Home > First State Bank of Ashby > Performance and Condition Ratios
First State Bank of Ashby, 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 | 4.7740% | 2,200 |
| Cost of funding earning assets | 0.6240% | 3,562 |
| Net interest margin | 4.1500% | 1,500 |
| Noninterest income to average assets | 0.3125% | 3,880 |
| Noninterest expense to average assets | 2.6707% | 2,943 |
| Loan and lease loss provision to assets | 0.1785% | 1,030 |
| Net operating income to assets | 1.1493% | 2,368 |
| Return on assets (ROA) | 1.1493% | 2,460 |
| Pretax return on assets | 1.1493% | 3,135 |
| Return on Equity (ROE) | 9.1721% | 2,814 |
| Retained earnings to average equity (ytd only) | 3.6213% | 3,593 |
| Net charge-offs to loans | 0.0121% | 2,928 |
| Credit loss provision to net charge-offs | 2,400.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 178.2734% | 476 |
| Efficiency ratio | 58.3256% | 3,890 |
| Assets per employee ($millions) | 4.5311% | 3,148 |
| Cash dividends to net income (ytd only)* | 60.5185% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2930% | 5,119 |
| Loan loss allowance to noncurrent loans | 15.4206% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 1.1807% | 1,081 |
| Noncurrent loans to loans | 1.8999% | 742 |
| Net loans and leases to total assets | 61.9658% | 3,498 |
| Net loans and leases to deposits | 71.0665% | 3,681 |
| Net loans and leases to core deposits | 72.9380% | 3,893 |
| Total domestic deposits to total assets | 87.1941% | 1,433 |
| Equity capital to assets | 12.4997% | 1,913 |
| Core capital (leverage) ratio | 7.5774% | 5,184 |
| Tier 1 risk-based capital ratio | 11.1125% | 4,856 |
| Total risk-based capital ratio | 11.3938% | 5,094 |
| Memoranda: | ||
| Average total assets | $35,845,500 | 5,032 |
| Average earning assets | $31,838,250 | 5,040 |
| Average equity | $4,491,750 | 5,010 |
| Average total loans | $22,000,750 | 4,894 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7819% | 2,117 |
| Cost of funding earning assets | 0.6049% | 3,621 |
| Net interest margin | 4.1770% | 1,416 |
| Noninterest income to average assets | 0.3248% | 3,770 |
| Noninterest expense to average assets | 2.6770% | 2,984 |
| Loan and lease loss provision to assets | 0.1792% | 1,001 |
| Net operating income to assets | 1.1425% | 2,360 |
| Return on assets (ROA) | 1.1425% | 2,437 |
| Pretax return on assets | 1.1425% | 3,108 |
| Return on Equity (ROE) | 9.1098% | 2,808 |
| Retained earnings to average equity (ytd only) | 9.1098% | 999 |
| Net charge-offs to loans | -0.0092% | 4,298 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4034% | 3,953 |
| Assets per employee ($millions) | 4.4400% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2409% | 5,204 |
| Loan loss allowance to noncurrent loans | 22.9437% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 0.6503% | 2,091 |
| Noncurrent loans to loans | 1.0498% | 1,560 |
| Net loans and leases to total assets | 61.7990% | 3,566 |
| Net loans and leases to deposits | 71.2094% | 3,751 |
| Net loans and leases to core deposits | 73.2286% | 3,930 |
| Total domestic deposits to total assets | 86.7849% | 1,690 |
| Equity capital to assets | 12.9561% | 1,605 |
| Core capital (leverage) ratio | 8.0391% | 5,154 |
| Tier 1 risk-based capital ratio | 12.4055% | 4,181 |
| Total risk-based capital ratio | 12.6513% | 4,628 |
| Memoranda: | ||
| Average total assets | $35,711,000 | 5,075 |
| Average earning assets | $31,410,330 | 5,083 |
| Average equity | $4,478,670 | 5,046 |
| Average total loans | $21,825,000 | 4,941 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7299% | 2,120 |
| Cost of funding earning assets | 0.5961% | 3,598 |
| Net interest margin | 4.1338% | 1,472 |
| Noninterest income to average assets | 0.3351% | 3,621 |
| Noninterest expense to average assets | 2.7593% | 2,707 |
| Loan and lease loss provision to assets | 0.1787% | 933 |
| Net operating income to assets | 0.9607% | 3,002 |
| Return on assets (ROA) | 0.9607% | 3,047 |
| Pretax return on assets | 0.9607% | 3,581 |
| Return on Equity (ROE) | 7.7881% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.7881% | 1,741 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1777% | 3,508 |
| Assets per employee ($millions) | 4.3276% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1661% | 5,289 |
| Loan loss allowance to noncurrent loans | 22.9299% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 2,786 |
| Noncurrent loans to loans | 0.7245% | 2,210 |
| Net loans and leases to total assets | 62.4910% | 3,456 |
| Net loans and leases to deposits | 71.9727% | 3,606 |
| Net loans and leases to core deposits | 74.0620% | 3,792 |
| Total domestic deposits to total assets | 86.8259% | 1,894 |
| Equity capital to assets | 12.9170% | 1,502 |
| Core capital (leverage) ratio | 7.6673% | 5,264 |
| Tier 1 risk-based capital ratio | 12.3922% | 4,238 |
| Total risk-based capital ratio | 12.5676% | 4,740 |
| Memoranda: | ||
| Average total assets | $35,806,500 | 5,127 |
| Average earning assets | $30,867,500 | 5,140 |
| Average equity | $4,417,000 | 5,100 |
| Average total loans | $21,735,500 | 5,003 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1972% | 5,362 |
| Cost of funding earning assets | 0.2504% | 4,804 |
| Net interest margin | 1.9469% | 5,339 |
| Noninterest income to average assets | 0.1675% | 4,887 |
| Noninterest expense to average assets | 1.2226% | 5,317 |
| Loan and lease loss provision to assets | 0.0754% | 2,619 |
| Net operating income to assets | 0.5192% | 4,619 |
| Return on assets (ROA) | 0.5192% | 4,619 |
| Pretax return on assets | 0.5192% | 4,771 |
| Return on Equity (ROE) | 5.0552% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.0552% | 2,733 |
| Net charge-offs to loans | 0.0226% | 2,966 |
| Credit loss provision to net charge-offs | 540.0000% | 649 |
| Earnings coverage of net charge-offs (x) | 42.6000% | 1,258 |
| Efficiency ratio | 67.2811% | 2,659 |
| Assets per employee ($millions) | 4.6236% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0917% | 5,345 |
| Loan loss allowance to noncurrent loans | 12.3457% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 2,810 |
| Noncurrent loans to loans | 0.7431% | 2,139 |
| Net loans and leases to total assets | 58.8824% | 3,883 |
| Net loans and leases to deposits | 66.9207% | 4,053 |
| Net loans and leases to core deposits | 67.6419% | 4,258 |
| Total domestic deposits to total assets | 87.9883% | 1,303 |
| Equity capital to assets | 11.7846% | 2,043 |
| Core capital (leverage) ratio | 7.1393% | 5,352 |
| Tier 1 risk-based capital ratio | 11.7644% | 4,585 |
| Total risk-based capital ratio | 11.8609% | 5,035 |
| Memoranda: | ||
| Average total assets | $35,825,600 | 5,163 |
| Average earning assets | $30,356,200 | 5,192 |
| Average equity | $3,679,400 | 5,212 |
| Average total loans | $22,154,800 | 5,025 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3234% | 5,468 |
| Cost of funding earning assets | 0.1490% | 5,224 |
| Net interest margin | 1.1744% | 5,465 |
| Noninterest income to average assets | 0.0901% | 5,243 |
| Noninterest expense to average assets | 0.7767% | 5,443 |
| Loan and lease loss provision to assets | 0.0413% | 3,172 |
| Net operating income to assets | 0.2776% | 5,123 |
| Return on assets (ROA) | 0.2776% | 5,116 |
| Pretax return on assets | 0.2776% | 5,159 |
| Return on Equity (ROE) | 2.8112% | 5,031 |
| Retained earnings to average equity (ytd only) | 2.8112% | 4,312 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8904% | 2,057 |
| Assets per employee ($millions) | 3.9989% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0498% | 5,426 |
| Loan loss allowance to noncurrent loans | 16.9231% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 4,041 |
| Noncurrent loans to loans | 0.2942% | 3,625 |
| Net loans and leases to total assets | 61.3643% | 3,711 |
| Net loans and leases to deposits | 71.8913% | 3,777 |
| Net loans and leases to core deposits | 72.7797% | 4,023 |
| Total domestic deposits to total assets | 85.3570% | 2,466 |
| Equity capital to assets | 14.3957% | 854 |
| Core capital (leverage) ratio | 9.9696% | 3,671 |
| Tier 1 risk-based capital ratio | 16.0235% | 2,443 |
| Total risk-based capital ratio | 16.0773% | 2,876 |
| Memoranda: | ||
| Average total assets | $35,534,750 | 5,231 |
| Average earning assets | $30,426,250 | 5,261 |
| Average equity | $3,509,500 | 5,306 |
| Average total loans | $22,243,500 | 5,082 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 1,985 |
| Cost of funding earning assets | 0.4928% | 3,058 |
| Net interest margin | 4.0413% | 1,723 |
| Noninterest income to average assets | 0.3844% | 3,590 |
| Noninterest expense to average assets | 2.6679% | 3,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1927% | 2,232 |
| Return on assets (ROA) | 1.1927% | 2,231 |
| Pretax return on assets | 1.1927% | 2,967 |
| Return on Equity (ROE) | 14.2938% | 1,013 |
| Retained earnings to average equity (ytd only) | 8.2647% | 1,512 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1069% | 2,464 |
| Assets per employee ($millions) | 3.8848% | 4,079 |
| Cash dividends to net income (ytd only)* | 42.1801% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 3,061 |
| Loan loss allowance to noncurrent loans | 536.1702% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 4,327 |
| Noncurrent loans to loans | 0.2119% | 3,965 |
| Net loans and leases to total assets | 62.7292% | 3,527 |
| Net loans and leases to deposits | 68.8214% | 3,957 |
| Net loans and leases to core deposits | 69.6387% | 4,164 |
| Total domestic deposits to total assets | 91.1478% | 215 |
| Equity capital to assets | 8.5862% | 4,884 |
| Core capital (leverage) ratio | 9.0520% | 4,644 |
| Tier 1 risk-based capital ratio | 14.6436% | 3,044 |
| Total risk-based capital ratio | 15.8394% | 2,993 |
| Memoranda: | ||
| Average total assets | $35,383,000 | 5,298 |
| Average earning assets | $30,436,000 | 5,326 |
| Average equity | $2,952,330 | 5,415 |
| Average total loans | $22,292,670 | 5,142 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 2,034 |
| Cost of funding earning assets | 0.4720% | 3,022 |
| Net interest margin | 3.9731% | 1,805 |
| Noninterest income to average assets | 0.4158% | 3,348 |
| Noninterest expense to average assets | 2.7646% | 2,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0564% | 2,621 |
| Return on assets (ROA) | 1.0564% | 2,633 |
| Pretax return on assets | 1.0564% | 3,330 |
| Return on Equity (ROE) | 12.8437% | 1,312 |
| Retained earnings to average equity (ytd only) | 5.6020% | 2,901 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3529% | 2,141 |
| Assets per employee ($millions) | 3.8468% | 4,217 |
| Cash dividends to net income (ytd only)* | 56.3830% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 3,102 |
| Loan loss allowance to noncurrent loans | 536.1702% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 4,412 |
| Noncurrent loans to loans | 0.2141% | 4,016 |
| Net loans and leases to total assets | 62.6758% | 3,465 |
| Net loans and leases to deposits | 68.7700% | 3,898 |
| Net loans and leases to core deposits | 69.5927% | 4,104 |
| Total domestic deposits to total assets | 91.1383% | 277 |
| Equity capital to assets | 8.4660% | 5,005 |
| Core capital (leverage) ratio | 8.6679% | 5,006 |
| Tier 1 risk-based capital ratio | 14.3314% | 3,209 |
| Total risk-based capital ratio | 15.5332% | 3,155 |
| Memoranda: | ||
| Average total assets | $35,593,000 | 5,353 |
| Average earning assets | $30,505,500 | 5,381 |
| Average equity | $2,927,500 | 5,473 |
| Average total loans | $22,347,000 | 5,198 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5687% | 1,516 |
| Cost of funding earning assets | 0.4675% | 2,623 |
| Net interest margin | 4.1012% | 1,430 |
| Noninterest income to average assets | 0.3844% | 3,735 |
| Noninterest expense to average assets | 3.1209% | 1,797 |
| Loan and lease loss provision to assets | 0.0545% | 3,136 |
| Net operating income to assets | 0.8548% | 2,934 |
| Return on assets (ROA) | 0.8548% | 2,959 |
| Pretax return on assets | 0.8577% | 4,056 |
| Return on Equity (ROE) | 10.4959% | 1,678 |
| Retained earnings to average equity (ytd only) | 5.7763% | 1,671 |
| Net charge-offs to loans | -0.0087% | 4,754 |
| Credit loss provision to net charge-offs | -950.0000% | 5,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3826% | 1,439 |
| Assets per employee ($millions) | 4.0628% | 3,866 |
| Cash dividends to net income (ytd only)* | 44.9664% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 3,306 |
| Loan loss allowance to noncurrent loans | 572.7273% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 4,531 |
| Noncurrent loans to loans | 0.1935% | 4,142 |
| Net loans and leases to total assets | 61.5096% | 3,676 |
| Net loans and leases to deposits | 67.1754% | 4,090 |
| Net loans and leases to core deposits | 67.9281% | 4,303 |
| Total domestic deposits to total assets | 91.5657% | 128 |
| Equity capital to assets | 7.9967% | 5,393 |
| Core capital (leverage) ratio | 8.5155% | 5,126 |
| Tier 1 risk-based capital ratio | 13.5646% | 3,593 |
| Total risk-based capital ratio | 14.7179% | 3,557 |
| Memoranda: | ||
| Average total assets | $34,861,200 | 5,415 |
| Average earning assets | $31,015,600 | 5,424 |
| Average equity | $2,839,200 | 5,541 |
| Average total loans | $22,894,600 | 5,229 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5175% | 1,594 |
| Cost of funding earning assets | 0.4638% | 2,581 |
| Net interest margin | 4.0538% | 1,528 |
| Noninterest income to average assets | 0.3833% | 3,793 |
| Noninterest expense to average assets | 3.2408% | 1,475 |
| Loan and lease loss provision to assets | 0.0736% | 2,599 |
| Net operating income to assets | 0.7202% | 3,871 |
| Return on assets (ROA) | 0.7202% | 3,931 |
| Pretax return on assets | 0.7240% | 4,546 |
| Return on Equity (ROE) | 8.8002% | 2,725 |
| Retained earnings to average equity (ytd only) | 4.1636% | 3,426 |
| Net charge-offs to loans | -0.0058% | 4,489 |
| Credit loss provision to net charge-offs | -1,900.0000% | 5,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2493% | 1,075 |
| Assets per employee ($millions) | 3.8684% | 4,209 |
| Cash dividends to net income (ytd only)* | 52.6876% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,669 |
| Loan loss allowance to noncurrent loans | 492.1569% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 4,530 |
| Noncurrent loans to loans | 0.2174% | 4,192 |
| Net loans and leases to total assets | 66.6533% | 3,021 |
| Net loans and leases to deposits | 73.0392% | 3,660 |
| Net loans and leases to core deposits | 73.9681% | 3,976 |
| Total domestic deposits to total assets | 91.2569% | 134 |
| Equity capital to assets | 8.2922% | 5,397 |
| Core capital (leverage) ratio | 8.3192% | 5,360 |
| Tier 1 risk-based capital ratio | 21.3641% | 1,131 |
| Total risk-based capital ratio | 22.6143% | 1,116 |
| Memoranda: | ||
| Average total assets | $34,435,250 | 5,490 |
| Average earning assets | $31,048,750 | 5,484 |
| Average equity | $2,818,000 | 5,607 |
| Average total loans | $22,932,500 | 5,281 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 1,552 |
| Cost of funding earning assets | 0.4668% | 2,440 |
| Net interest margin | 4.0196% | 1,545 |
| Noninterest income to average assets | 0.3381% | 4,130 |
| Noninterest expense to average assets | 3.3228% | 1,330 |
| Loan and lease loss provision to assets | 0.0291% | 3,415 |
| Net operating income to assets | 0.5946% | 4,329 |
| Return on assets (ROA) | 0.5946% | 4,376 |
| Pretax return on assets | 0.6004% | 4,805 |
| Return on Equity (ROE) | 7.2987% | 3,397 |
| Retained earnings to average equity (ytd only) | 2.0751% | 4,422 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0708% | 836 |
| Assets per employee ($millions) | 3.8862% | 4,150 |
| Cash dividends to net income (ytd only)* | 71.5686% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 3,900 |
| Loan loss allowance to noncurrent loans | 786.6667% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 4,851 |
| Noncurrent loans to loans | 0.1323% | 4,592 |
| Net loans and leases to total assets | 64.1783% | 3,365 |
| Net loans and leases to deposits | 70.1622% | 3,901 |
| Net loans and leases to core deposits | 71.0461% | 4,155 |
| Total domestic deposits to total assets | 91.4713% | 136 |
| Equity capital to assets | 8.1056% | 5,484 |
| Core capital (leverage) ratio | 8.4026% | 5,283 |
| Tier 1 risk-based capital ratio | 21.3639% | 1,136 |
| Total risk-based capital ratio | 22.6162% | 1,116 |
| Memoranda: | ||
| Average total assets | $34,308,330 | 5,533 |
| Average earning assets | $30,848,670 | 5,535 |
| Average equity | $2,795,000 | 5,656 |
| Average total loans | $22,757,670 | 5,329 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4403% | 1,526 |
| Cost of funding earning assets | 0.4804% | 2,244 |
| Net interest margin | 3.9599% | 1,581 |
| Noninterest income to average assets | 0.3297% | 4,190 |
| Noninterest expense to average assets | 3.3084% | 1,371 |
| Loan and lease loss provision to assets | 0.0589% | 2,631 |
| Net operating income to assets | 0.5534% | 4,364 |
| Return on assets (ROA) | 0.5534% | 4,410 |
| Pretax return on assets | 0.5534% | 4,834 |
| Return on Equity (ROE) | 6.7748% | 3,509 |
| Retained earnings to average equity (ytd only) | -0.8649% | 5,044 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3844% | 937 |
| Assets per employee ($millions) | 3.7383% | 4,433 |
| Cash dividends to net income (ytd only)* | 112.7660% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 4,020 |
| Loan loss allowance to noncurrent loans | 786.6667% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 4,918 |
| Noncurrent loans to loans | 0.1325% | 4,659 |
| Net loans and leases to total assets | 66.5953% | 2,882 |
| Net loans and leases to deposits | 72.9101% | 3,522 |
| Net loans and leases to core deposits | 74.4979% | 3,792 |
| Total domestic deposits to total assets | 91.3390% | 200 |
| Equity capital to assets | 8.2538% | 5,382 |
| Core capital (leverage) ratio | 8.2725% | 5,396 |
| Tier 1 risk-based capital ratio | 18.9936% | 1,618 |
| Total risk-based capital ratio | 20.2431% | 1,579 |
| Memoranda: | ||
| Average total assets | $33,974,500 | 5,602 |
| Average earning assets | $30,808,500 | 5,601 |
| Average equity | $2,775,000 | 5,718 |
| Average total loans | $22,795,000 | 5,382 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6743% | 1,107 |
| Cost of funding earning assets | 0.5146% | 1,983 |
| Net interest margin | 4.1597% | 1,211 |
| Noninterest income to average assets | 0.3767% | 4,053 |
| Noninterest expense to average assets | 2.9507% | 2,497 |
| Loan and lease loss provision to assets | 0.0209% | 3,953 |
| Net operating income to assets | 1.1719% | 1,597 |
| Return on assets (ROA) | 1.1719% | 1,695 |
| Pretax return on assets | 1.1749% | 2,780 |
| Return on Equity (ROE) | 14.1854% | 744 |
| Retained earnings to average equity (ytd only) | 4.5958% | 2,642 |
| Net charge-offs to loans | -0.0045% | 4,793 |
| Credit loss provision to net charge-offs | -700.0000% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1608% | 2,714 |
| Assets per employee ($millions) | 3.8116% | 4,287 |
| Cash dividends to net income (ytd only)* | 67.6020% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 4,282 |
| Loan loss allowance to noncurrent loans | 577.5000% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 4,849 |
| Noncurrent loans to loans | 0.1743% | 4,539 |
| Net loans and leases to total assets | 66.2226% | 3,043 |
| Net loans and leases to deposits | 72.3425% | 3,676 |
| Net loans and leases to core deposits | 73.8812% | 3,935 |
| Total domestic deposits to total assets | 91.5403% | 155 |
| Equity capital to assets | 8.0836% | 5,524 |
| Core capital (leverage) ratio | 8.4165% | 5,351 |
| Tier 1 risk-based capital ratio | 12.1877% | 4,588 |
| Total risk-based capital ratio | 13.1932% | 4,654 |
| Memoranda: | ||
| Average total assets | $33,449,600 | 5,659 |
| Average earning assets | $30,315,000 | 5,657 |
| Average equity | $2,763,400 | 5,776 |
| Average total loans | $22,321,600 | 5,434 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6907% | 1,086 |
| Cost of funding earning assets | 0.5207% | 1,934 |
| Net interest margin | 4.1700% | 1,202 |
| Noninterest income to average assets | 0.3490% | 4,291 |
| Noninterest expense to average assets | 2.9927% | 2,339 |
| Loan and lease loss provision to assets | 0.0281% | 3,677 |
| Net operating income to assets | 1.1152% | 1,932 |
| Return on assets (ROA) | 1.1152% | 2,041 |
| Pretax return on assets | 1.1192% | 3,153 |
| Return on Equity (ROE) | 13.4248% | 941 |
| Retained earnings to average equity (ytd only) | 3.0905% | 4,060 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2868% | 2,535 |
| Assets per employee ($millions) | 3.6920% | 4,491 |
| Cash dividends to net income (ytd only)* | 76.9789% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 4,238 |
| 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 | 66.4530% | 3,049 |
| Net loans and leases to deposits | 72.8698% | 3,715 |
| Net loans and leases to core deposits | 74.5426% | 3,959 |
| Total domestic deposits to total assets | 91.1942% | 160 |
| Equity capital to assets | 8.3815% | 5,591 |
| Core capital (leverage) ratio | 8.2564% | 5,532 |
| Tier 1 risk-based capital ratio | 12.3986% | 4,538 |
| Total risk-based capital ratio | 13.4405% | 4,573 |
| Memoranda: | ||
| Average total assets | $33,236,000 | 5,721 |
| Average earning assets | $30,215,000 | 5,717 |
| Average equity | $2,761,000 | 5,840 |
| Average total loans | $22,165,000 | 5,494 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 1,021 |
| Cost of funding earning assets | 0.5246% | 1,908 |
| Net interest margin | 4.1901% | 1,139 |
| Noninterest income to average assets | 0.3430% | 4,326 |
| Noninterest expense to average assets | 3.0928% | 2,083 |
| Loan and lease loss provision to assets | 0.0421% | 3,305 |
| Net operating income to assets | 0.9988% | 2,401 |
| Return on assets (ROA) | 0.9988% | 2,536 |
| Pretax return on assets | 1.0049% | 3,562 |
| Return on Equity (ROE) | 12.0596% | 1,294 |
| Retained earnings to average equity (ytd only) | 5.5212% | 2,407 |
| Net charge-offs to loans | 0.0090% | 3,396 |
| Credit loss provision to net charge-offs | 700.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 174.0000% | 370 |
| Efficiency ratio | 74.7093% | 2,258 |
| Assets per employee ($millions) | 3.6984% | 4,442 |
| Cash dividends to net income (ytd only)* | 54.2169% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 4,388 |
| 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 | 66.5565% | 3,005 |
| Net loans and leases to deposits | 73.0601% | 3,698 |
| Net loans and leases to core deposits | 74.7335% | 3,929 |
| Total domestic deposits to total assets | 91.0984% | 176 |
| Equity capital to assets | 8.4690% | 5,615 |
| Core capital (leverage) ratio | 8.3544% | 5,485 |
| Tier 1 risk-based capital ratio | 12.4915% | 4,531 |
| Total risk-based capital ratio | 13.5321% | 4,577 |
| Memoranda: | ||
| Average total assets | $33,238,670 | 5,791 |
| Average earning assets | $30,118,670 | 5,787 |
| Average equity | $2,753,000 | 5,914 |
| Average total loans | $22,116,330 | 5,559 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6351% | 1,176 |
| Cost of funding earning assets | 0.5359% | 1,820 |
| Net interest margin | 4.0993% | 1,350 |
| Noninterest income to average assets | 0.3252% | 4,410 |
| Noninterest expense to average assets | 3.0227% | 2,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9875% | 2,336 |
| Return on assets (ROA) | 0.9875% | 2,449 |
| Pretax return on assets | 0.9875% | 3,525 |
| Return on Equity (ROE) | 12.0588% | 1,298 |
| Retained earnings to average equity (ytd only) | 4.4118% | 3,272 |
| Net charge-offs to loans | 0.0182% | 2,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 627 |
| Efficiency ratio | 75.3754% | 2,272 |
| Assets per employee ($millions) | 3.6951% | 4,479 |
| Cash dividends to net income (ytd only)* | 63.4146% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 4,545 |
| Loan loss allowance to noncurrent loans | 3,171.4286% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 5,561 |
| Noncurrent loans to loans | 0.0318% | 5,366 |
| Net loans and leases to total assets | 65.4348% | 3,040 |
| Net loans and leases to deposits | 71.6836% | 3,681 |
| Net loans and leases to core deposits | 73.3187% | 3,955 |
| Total domestic deposits to total assets | 91.2828% | 203 |
| Equity capital to assets | 8.2662% | 5,713 |
| Core capital (leverage) ratio | 8.0846% | 5,731 |
| Tier 1 risk-based capital ratio | 12.8135% | 4,388 |
| Total risk-based capital ratio | 13.8658% | 4,420 |
| Memoranda: | ||
| Average total assets | $33,215,000 | 5,855 |
| Average earning assets | $29,859,000 | 5,851 |
| Average equity | $2,720,000 | 5,971 |
| Average total loans | $21,983,000 | 5,613 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 1,430 |
| Cost of funding earning assets | 0.5750% | 1,547 |
| Net interest margin | 3.9878% | 1,758 |
| Noninterest income to average assets | 0.4163% | 3,914 |
| Noninterest expense to average assets | 3.0402% | 2,415 |
| Loan and lease loss provision to assets | 0.1048% | 2,232 |
| Net operating income to assets | 0.8818% | 2,971 |
| Return on assets (ROA) | 0.9651% | 2,624 |
| Pretax return on assets | 0.9682% | 3,584 |
| Return on Equity (ROE) | 11.8042% | 1,354 |
| Retained earnings to average equity (ytd only) | 4.5633% | 2,733 |
| Net charge-offs to loans | -0.0097% | 5,107 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4399% | 2,365 |
| Assets per employee ($millions) | 4.1468% | 3,664 |
| Cash dividends to net income (ytd only)* | 61.3419% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 4,520 |
| Loan loss allowance to noncurrent loans | 11,150.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 5,414 |
| Noncurrent loans to loans | 0.0091% | 5,500 |
| Net loans and leases to total assets | 65.5935% | 3,044 |
| Net loans and leases to deposits | 71.7749% | 3,743 |
| Net loans and leases to core deposits | 73.4094% | 4,004 |
| Total domestic deposits to total assets | 91.3878% | 198 |
| Equity capital to assets | 8.1118% | 5,807 |
| Core capital (leverage) ratio | 8.0963% | 5,779 |
| Tier 1 risk-based capital ratio | 12.6634% | 4,532 |
| Total risk-based capital ratio | 13.7199% | 4,540 |
| Memoranda: | ||
| Average total assets | $32,432,400 | 5,921 |
| Average earning assets | $29,390,000 | 5,910 |
| Average equity | $2,651,600 | 6,039 |
| Average total loans | $20,535,200 | 5,702 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 1,678 |
| Cost of funding earning assets | 0.5830% | 1,518 |
| Net interest margin | 3.8898% | 2,067 |
| Noninterest income to average assets | 0.3969% | 4,108 |
| Noninterest expense to average assets | 3.1134% | 2,186 |
| Loan and lease loss provision to assets | 0.0910% | 2,352 |
| Net operating income to assets | 0.7194% | 3,821 |
| Return on assets (ROA) | 0.8311% | 3,361 |
| Pretax return on assets | 0.8352% | 4,222 |
| Return on Equity (ROE) | 10.1444% | 2,049 |
| Retained earnings to average equity (ytd only) | 2.4226% | 4,659 |
| Net charge-offs to loans | -0.0132% | 5,071 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2632% | 1,764 |
| Assets per employee ($millions) | 4.0561% | 3,789 |
| Cash dividends to net income (ytd only)* | 76.1185% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 4,879 |
| Loan loss allowance to noncurrent loans | 10,550.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 5,525 |
| Noncurrent loans to loans | 0.0092% | 5,606 |
| Net loans and leases to total assets | 66.2547% | 2,971 |
| Net loans and leases to deposits | 72.5558% | 3,699 |
| Net loans and leases to core deposits | 74.3164% | 3,981 |
| Total domestic deposits to total assets | 91.3156% | 185 |
| Equity capital to assets | 8.1759% | 5,887 |
| Core capital (leverage) ratio | 7.9259% | 5,937 |
| Tier 1 risk-based capital ratio | 13.4548% | 4,166 |
| Total risk-based capital ratio | 14.5467% | 4,182 |
| Memoranda: | ||
| Average total assets | $32,247,000 | 6,005 |
| Average earning assets | $29,272,500 | 5,993 |
| Average equity | $2,641,750 | 6,122 |
| Average total loans | $20,173,250 | 5,784 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 1,880 |
| Cost of funding earning assets | 0.5919% | 1,471 |
| Net interest margin | 3.7993% | 2,311 |
| Noninterest income to average assets | 0.3916% | 4,143 |
| Noninterest expense to average assets | 3.0205% | 2,494 |
| Loan and lease loss provision to assets | 0.0746% | 2,625 |
| Net operating income to assets | 0.7272% | 3,756 |
| Return on assets (ROA) | 0.7272% | 3,876 |
| Pretax return on assets | 0.7272% | 4,573 |
| Return on Equity (ROE) | 8.8704% | 2,623 |
| Retained earnings to average equity (ytd only) | 4.8522% | 2,953 |
| Net charge-offs to loans | -0.0102% | 4,927 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0244% | 1,908 |
| Assets per employee ($millions) | 4.0324% | 3,822 |
| Cash dividends to net income (ytd only)* | 45.2991% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 5,050 |
| Loan loss allowance to noncurrent loans | 114.9425% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.0571% | 2,392 |
| Noncurrent loans to loans | 0.8372% | 3,033 |
| Net loans and leases to total assets | 63.8054% | 3,284 |
| Net loans and leases to deposits | 69.9365% | 3,938 |
| Net loans and leases to core deposits | 71.6404% | 4,171 |
| Total domestic deposits to total assets | 91.2335% | 247 |
| Equity capital to assets | 8.2334% | 5,865 |
| Core capital (leverage) ratio | 8.1445% | 5,837 |
| Tier 1 risk-based capital ratio | 9.2682% | 6,230 |
| Total risk-based capital ratio | 9.9662% | 6,271 |
| Memoranda: | ||
| Average total assets | $32,179,670 | 6,073 |
| Average earning assets | $29,058,000 | 6,064 |
| Average equity | $2,638,000 | 6,188 |
| Average total loans | $19,661,000 | 5,863 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3249% | 2,015 |
| Cost of funding earning assets | 0.6158% | 1,332 |
| Net interest margin | 3.7090% | 2,591 |
| Noninterest income to average assets | 0.4107% | 3,918 |
| Noninterest expense to average assets | 2.9869% | 2,627 |
| Loan and lease loss provision to assets | 0.0498% | 2,939 |
| Net operating income to assets | 0.6721% | 3,939 |
| Return on assets (ROA) | 0.6721% | 4,062 |
| Pretax return on assets | 0.6721% | 4,683 |
| Return on Equity (ROE) | 8.2161% | 2,846 |
| Retained earnings to average equity (ytd only) | 3.8037% | 3,726 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5369% | 1,824 |
| Assets per employee ($millions) | 4.0206% | 3,917 |
| Cash dividends to net income (ytd only)* | 53.7037% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 5,002 |
| Loan loss allowance to noncurrent loans | 203.1915% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8114% | 3,076 |
| Noncurrent loans to loans | 0.4936% | 4,097 |
| Net loans and leases to total assets | 58.6134% | 3,857 |
| Net loans and leases to deposits | 64.3271% | 4,338 |
| Net loans and leases to core deposits | 64.8962% | 4,614 |
| Total domestic deposits to total assets | 91.1177% | 329 |
| Equity capital to assets | 8.3165% | 5,859 |
| Core capital (leverage) ratio | 8.0705% | 5,900 |
| Tier 1 risk-based capital ratio | 10.5004% | 6,010 |
| Total risk-based capital ratio | 11.2786% | 6,113 |
| Memoranda: | ||
| Average total assets | $32,140,000 | 6,140 |
| Average earning assets | $28,579,000 | 6,134 |
| Average equity | $2,629,000 | 6,254 |
| Average total loans | $19,100,000 | 5,937 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3023% | 2,601 |
| Cost of funding earning assets | 0.6196% | 1,609 |
| Net interest margin | 3.6828% | 3,071 |
| Noninterest income to average assets | 0.4094% | 4,117 |
| Noninterest expense to average assets | 3.2753% | 1,993 |
| Loan and lease loss provision to assets | 0.0438% | 3,695 |
| Net operating income to assets | 0.4157% | 5,174 |
| Return on assets (ROA) | 0.4250% | 5,206 |
| Pretax return on assets | 0.4250% | 5,430 |
| Return on Equity (ROE) | 5.3400% | 4,492 |
| Retained earnings to average equity (ytd only) | -1.0602% | 5,928 |
| Net charge-offs to loans | 0.0270% | 4,285 |
| Credit loss provision to net charge-offs | 280.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 29.4000% | 1,361 |
| Efficiency ratio | 87.6987% | 1,017 |
| Assets per employee ($millions) | 4.0144% | 3,928 |
| Cash dividends to net income (ytd only)* | 119.8529% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 5,169 |
| Loan loss allowance to noncurrent loans | 389.5833% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.6695% | 3,569 |
| Noncurrent loans to loans | 0.2506% | 4,934 |
| Net loans and leases to total assets | 59.0659% | 3,912 |
| Net loans and leases to deposits | 64.6391% | 4,460 |
| Net loans and leases to core deposits | 65.2102% | 4,729 |
| Total domestic deposits to total assets | 91.3779% | 253 |
| Equity capital to assets | 8.0430% | 6,045 |
| Core capital (leverage) ratio | 8.0637% | 5,955 |
| Tier 1 risk-based capital ratio | 13.7131% | 4,290 |
| Total risk-based capital ratio | 14.7179% | 4,373 |
| Memoranda: | ||
| Average total assets | $31,997,000 | 6,218 |
| Average earning assets | $28,891,400 | 6,203 |
| Average equity | $2,546,800 | 6,345 |
| Average total loans | $18,490,600 | 6,019 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2965% | 2,652 |
| Cost of funding earning assets | 0.6369% | 1,549 |
| Net interest margin | 3.6597% | 3,188 |
| Noninterest income to average assets | 0.3962% | 4,278 |
| Noninterest expense to average assets | 3.3200% | 1,860 |
| Loan and lease loss provision to assets | 0.0584% | 3,203 |
| Net operating income to assets | 0.3253% | 5,512 |
| Return on assets (ROA) | 0.3253% | 5,579 |
| Pretax return on assets | 0.3253% | 5,725 |
| Return on Equity (ROE) | 4.0981% | 5,132 |
| Retained earnings to average equity (ytd only) | -4.4658% | 6,232 |
| Net charge-offs to loans | -0.0073% | 5,361 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6396% | 869 |
| Assets per employee ($millions) | 3.9516% | 3,978 |
| Cash dividends to net income (ytd only)* | 208.9712% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 5,147 |
| Loan loss allowance to noncurrent loans | 665.5172% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.6516% | 3,882 |
| Noncurrent loans to loans | 0.1524% | 5,450 |
| Net loans and leases to total assets | 59.5799% | 3,866 |
| Net loans and leases to deposits | 65.0942% | 4,423 |
| Net loans and leases to core deposits | 66.2738% | 4,679 |
| Total domestic deposits to total assets | 91.5288% | 228 |
| Equity capital to assets | 7.8923% | 6,182 |
| Core capital (leverage) ratio | 7.8690% | 6,151 |
| Tier 1 risk-based capital ratio | 13.6426% | 4,451 |
| Total risk-based capital ratio | 14.6983% | 4,519 |
| Memoranda: | ||
| Average total assets | $31,967,500 | 6,291 |
| Average earning assets | $28,890,750 | 6,279 |
| Average equity | $2,537,750 | 6,417 |
| Average total loans | $18,324,250 | 6,096 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2304% | 2,845 |
| Cost of funding earning assets | 0.6429% | 1,567 |
| Net interest margin | 3.5876% | 3,418 |
| Noninterest income to average assets | 0.3865% | 4,350 |
| Noninterest expense to average assets | 3.1104% | 2,453 |
| Loan and lease loss provision to assets | 0.0623% | 3,023 |
| Net operating income to assets | 0.4426% | 5,044 |
| Return on assets (ROA) | 0.4426% | 5,122 |
| Pretax return on assets | 0.4488% | 5,425 |
| Return on Equity (ROE) | 5.5643% | 4,404 |
| Retained earnings to average equity (ytd only) | 1.6458% | 5,075 |
| Net charge-offs to loans | -0.0111% | 5,349 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8864% | 1,281 |
| Assets per employee ($millions) | 4.0170% | 3,802 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 5,390 |
| Loan loss allowance to noncurrent loans | 6,300.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 4,311 |
| Noncurrent loans to loans | 0.0157% | 6,031 |
| Net loans and leases to total assets | 58.7005% | 3,898 |
| Net loans and leases to deposits | 63.9588% | 4,505 |
| Net loans and leases to core deposits | 65.0932% | 4,723 |
| Total domestic deposits to total assets | 91.7787% | 200 |
| Equity capital to assets | 8.1311% | 6,078 |
| Core capital (leverage) ratio | 8.2014% | 5,929 |
| Tier 1 risk-based capital ratio | 13.6426% | 4,493 |
| Total risk-based capital ratio | 14.6343% | 4,612 |
| Memoranda: | ||
| Average total assets | $32,085,670 | 6,346 |
| Average earning assets | $28,933,330 | 6,335 |
| Average equity | $2,552,000 | 6,470 |
| Average total loans | $18,089,670 | 6,155 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 3,192 |
| Cost of funding earning assets | 0.6733% | 1,417 |
| Net interest margin | 3.4492% | 3,904 |
| Noninterest income to average assets | 0.3618% | 4,497 |
| Noninterest expense to average assets | 3.0442% | 2,715 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4492% | 4,934 |
| Return on assets (ROA) | 0.4492% | 5,007 |
| Pretax return on assets | 0.4492% | 5,311 |
| Return on Equity (ROE) | 5.7109% | 4,177 |
| Retained earnings to average equity (ytd only) | 0.3173% | 5,442 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1429% | 1,327 |
| Assets per employee ($millions) | 4.0229% | 3,908 |
| Cash dividends to net income (ytd only)* | 94.4444% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 5,449 |
| Loan loss allowance to noncurrent loans | 4,450.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.8731% | 3,546 |
| Noncurrent loans to loans | 0.0229% | 6,094 |
| Net loans and leases to total assets | 53.8390% | 4,440 |
| Net loans and leases to deposits | 58.5134% | 4,889 |
| Net loans and leases to core deposits | 59.5430% | 5,080 |
| Total domestic deposits to total assets | 92.0113% | 240 |
| Equity capital to assets | 7.8924% | 6,128 |
| Core capital (leverage) ratio | 7.9734% | 6,135 |
| Tier 1 risk-based capital ratio | 14.1665% | 4,216 |
| Total risk-based capital ratio | 15.1435% | 4,347 |
| Memoranda: | ||
| Average total assets | $32,060,500 | 6,414 |
| Average earning assets | $29,108,500 | 6,394 |
| Average equity | $2,521,500 | 6,535 |
| Average total loans | $17,608,000 | 6,232 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1433% | 3,568 |
| Cost of funding earning assets | 0.7988% | 1,216 |
| Net interest margin | 3.3446% | 4,503 |
| Noninterest income to average assets | 0.4098% | 4,374 |
| Noninterest expense to average assets | 2.6775% | 4,180 |
| Loan and lease loss provision to assets | 0.1548% | 2,341 |
| Net operating income to assets | 0.5646% | 4,435 |
| Return on assets (ROA) | 0.5646% | 4,546 |
| Pretax return on assets | 0.5646% | 4,993 |
| Return on Equity (ROE) | 7.2099% | 3,450 |
| Retained earnings to average equity (ytd only) | 5.1167% | 2,514 |
| Net charge-offs to loans | 0.2125% | 2,762 |
| Credit loss provision to net charge-offs | 141.6667% | 1,649 |
| Earnings coverage of net charge-offs (x) | 6.5833% | 3,031 |
| Efficiency ratio | 78.8204% | 2,348 |
| Assets per employee ($millions) | 3.9923% | 3,882 |
| Cash dividends to net income (ytd only)* | 29.0323% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 5,537 |
| Loan loss allowance to noncurrent loans | 65.4412% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 1.4058% | 2,638 |
| Noncurrent loans to loans | 1.5358% | 2,589 |
| Net loans and leases to total assets | 54.8970% | 4,477 |
| Net loans and leases to deposits | 59.6137% | 4,969 |
| Net loans and leases to core deposits | 60.6678% | 5,166 |
| Total domestic deposits to total assets | 92.0878% | 265 |
| Equity capital to assets | 7.8371% | 6,124 |
| Core capital (leverage) ratio | 8.1223% | 6,035 |
| Tier 1 risk-based capital ratio | 14.1106% | 4,221 |
| Total risk-based capital ratio | 15.0845% | 4,360 |
| Memoranda: | ||
| Average total assets | $32,941,400 | 6,465 |
| Average earning assets | $29,420,800 | 6,460 |
| Average equity | $2,579,800 | 6,609 |
| Average total loans | $16,942,200 | 6,324 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 3,699 |
| Cost of funding earning assets | 0.8155% | 1,238 |
| Net interest margin | 3.2983% | 4,643 |
| Noninterest income to average assets | 0.4218% | 4,356 |
| Noninterest expense to average assets | 2.5708% | 4,488 |
| Loan and lease loss provision to assets | 0.1768% | 2,058 |
| Net operating income to assets | 0.5985% | 4,354 |
| Return on assets (ROA) | 0.5985% | 4,479 |
| Pretax return on assets | 0.5985% | 5,014 |
| Return on Equity (ROE) | 7.6437% | 3,313 |
| Retained earnings to average equity (ytd only) | 4.8734% | 3,173 |
| Net charge-offs to loans | 0.2866% | 2,106 |
| Credit loss provision to net charge-offs | 122.2222% | 1,924 |
| Earnings coverage of net charge-offs (x) | 5.3610% | 3,211 |
| Efficiency ratio | 76.8307% | 2,591 |
| Assets per employee ($millions) | 3.9391% | 3,965 |
| Cash dividends to net income (ytd only)* | 36.2428% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 5,927 |
| Loan loss allowance to noncurrent loans | 89.5288% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.1678% | 3,321 |
| Noncurrent loans to loans | 1.0579% | 3,685 |
| Net loans and leases to total assets | 56.7512% | 4,212 |
| Net loans and leases to deposits | 61.7222% | 4,796 |
| Net loans and leases to core deposits | 62.8280% | 5,032 |
| Total domestic deposits to total assets | 91.9462% | 251 |
| Equity capital to assets | 7.9459% | 6,183 |
| Core capital (leverage) ratio | 7.7307% | 6,363 |
| Tier 1 risk-based capital ratio | 13.8461% | 4,536 |
| Total risk-based capital ratio | 14.7775% | 4,700 |
| Memoranda: | ||
| Average total assets | $33,192,250 | 6,528 |
| Average earning assets | $29,428,250 | 6,531 |
| Average equity | $2,599,000 | 6,684 |
| Average total loans | $16,750,000 | 6,402 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0253% | 4,013 |
| Cost of funding earning assets | 0.8240% | 1,288 |
| Net interest margin | 3.2013% | 4,944 |
| Noninterest income to average assets | 0.3733% | 4,724 |
| Noninterest expense to average assets | 2.5006% | 4,725 |
| Loan and lease loss provision to assets | 0.2133% | 1,775 |
| Net operating income to assets | 0.4681% | 4,930 |
| Return on assets (ROA) | 0.4681% | 5,111 |
| Pretax return on assets | 0.4681% | 5,468 |
| Return on Equity (ROE) | 6.0061% | 4,172 |
| Retained earnings to average equity (ytd only) | 6.0061% | 2,439 |
| Net charge-offs to loans | 0.4536% | 1,448 |
| Credit loss provision to net charge-offs | 97.2973% | 2,296 |
| Earnings coverage of net charge-offs (x) | 3.1081% | 3,496 |
| Efficiency ratio | 78.5847% | 2,370 |
| Assets per employee ($millions) | 4.3189% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 5,899 |
| Loan loss allowance to noncurrent loans | 130.6452% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.8712% | 4,063 |
| Noncurrent loans to loans | 0.7492% | 4,425 |
| Net loans and leases to total assets | 47.4313% | 5,381 |
| Net loans and leases to deposits | 51.2029% | 5,757 |
| Net loans and leases to core deposits | 52.0304% | 5,888 |
| Total domestic deposits to total assets | 92.6341% | 163 |
| Equity capital to assets | 7.2646% | 6,521 |
| Core capital (leverage) ratio | 7.4518% | 6,475 |
| Tier 1 risk-based capital ratio | 14.1031% | 4,355 |
| Total risk-based capital ratio | 15.0075% | 4,571 |
| Memoranda: | ||
| Average total assets | $33,752,000 | 6,563 |
| Average earning assets | $29,613,000 | 6,571 |
| Average equity | $2,630,670 | 6,725 |
| Average total loans | $16,315,000 | 6,459 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0362% | 3,970 |
| Cost of funding earning assets | 0.8454% | 1,273 |
| Net interest margin | 3.1908% | 4,957 |
| Noninterest income to average assets | 0.3718% | 4,692 |
| Noninterest expense to average assets | 2.4586% | 4,918 |
| Loan and lease loss provision to assets | 0.1319% | 2,588 |
| Net operating income to assets | 0.5877% | 4,284 |
| Return on assets (ROA) | 0.5877% | 4,430 |
| Pretax return on assets | 0.5877% | 4,992 |
| Return on Equity (ROE) | 7.2835% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.2835% | 2,033 |
| Net charge-offs to loans | 0.2963% | 1,782 |
| Credit loss provision to net charge-offs | 91.6667% | 1,998 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,425 |
| Efficiency ratio | 77.3585% | 2,716 |
| Assets per employee ($millions) | 4.2416% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 5,943 |
| Loan loss allowance to noncurrent loans | 103.8462% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.9813% | 3,966 |
| Noncurrent loans to loans | 0.9751% | 4,183 |
| Net loans and leases to total assets | 46.6714% | 5,364 |
| Net loans and leases to deposits | 50.7710% | 5,729 |
| Net loans and leases to core deposits | 51.6099% | 5,853 |
| Total domestic deposits to total assets | 91.9253% | 262 |
| Equity capital to assets | 7.9569% | 6,401 |
| Core capital (leverage) ratio | 7.4957% | 6,471 |
| Tier 1 risk-based capital ratio | 15.7496% | 3,404 |
| Total risk-based capital ratio | 16.7718% | 3,475 |
| Memoranda: | ||
| Average total assets | $33,352,500 | 6,636 |
| Average earning assets | $29,334,500 | 6,640 |
| Average equity | $2,691,000 | 6,785 |
| Average total loans | $16,197,500 | 6,529 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3873% | 3,864 |
| Cost of funding earning assets | 1.0490% | 1,126 |
| Net interest margin | 3.3383% | 5,110 |
| Noninterest income to average assets | 0.4048% | 4,566 |
| Noninterest expense to average assets | 2.8563% | 3,826 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4627% | 4,828 |
| Return on assets (ROA) | 0.4627% | 5,078 |
| Pretax return on assets | 0.4627% | 5,387 |
| Return on Equity (ROE) | 5.4451% | 4,457 |
| Retained earnings to average equity (ytd only) | 3.9325% | 3,433 |
| Net charge-offs to loans | 0.0760% | 4,919 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,974 |
| Efficiency ratio | 86.0600% | 1,427 |
| Assets per employee ($millions) | 4.0965% | 3,743 |
| Cash dividends to net income (ytd only)* | 27.7778% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 5,989 |
| Loan loss allowance to noncurrent loans | 94.7674% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.0649% | 3,899 |
| Noncurrent loans to loans | 1.0490% | 4,107 |
| Net loans and leases to total assets | 49.5331% | 5,230 |
| Net loans and leases to deposits | 54.0308% | 5,647 |
| Net loans and leases to core deposits | 54.9545% | 5,797 |
| Total domestic deposits to total assets | 91.6758% | 304 |
| Equity capital to assets | 8.1838% | 6,292 |
| Core capital (leverage) ratio | 7.7972% | 6,342 |
| Tier 1 risk-based capital ratio | 15.0169% | 3,712 |
| Total risk-based capital ratio | 16.0172% | 3,807 |
| Memoranda: | ||
| Average total assets | $31,124,400 | 6,732 |
| Average earning assets | $27,169,400 | 6,731 |
| Average equity | $2,644,600 | 6,852 |
| Average total loans | $15,787,000 | 6,612 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4554% | 3,802 |
| Cost of funding earning assets | 1.0889% | 1,110 |
| Net interest margin | 3.3665% | 5,156 |
| Noninterest income to average assets | 0.3864% | 4,736 |
| Noninterest expense to average assets | 2.7610% | 4,127 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5513% | 4,618 |
| Return on assets (ROA) | 0.5513% | 4,874 |
| Pretax return on assets | 0.5513% | 5,297 |
| Return on Equity (ROE) | 6.4256% | 4,107 |
| Retained earnings to average equity (ytd only) | 6.4256% | 2,416 |
| Net charge-offs to loans | 0.1023% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 10.5831% | 2,174 |
| Efficiency ratio | 83.3552% | 1,666 |
| Assets per employee ($millions) | 3.7438% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 6,081 |
| Loan loss allowance to noncurrent loans | 90.5556% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 2.3940% | 2,227 |
| Noncurrent loans to loans | 1.1044% | 4,212 |
| Net loans and leases to total assets | 53.8731% | 4,767 |
| Net loans and leases to deposits | 59.3526% | 5,275 |
| Net loans and leases to core deposits | 59.9146% | 5,569 |
| Total domestic deposits to total assets | 90.7679% | 492 |
| Equity capital to assets | 9.0985% | 5,712 |
| Core capital (leverage) ratio | 8.1351% | 6,202 |
| Tier 1 risk-based capital ratio | 14.3605% | 4,290 |
| Total risk-based capital ratio | 15.3086% | 4,442 |
| Memoranda: | ||
| Average total assets | $30,712,500 | 6,823 |
| Average earning assets | $26,693,250 | 6,835 |
| Average equity | $2,635,250 | 6,939 |
| Average total loans | $15,634,750 | 6,711 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 4,258 |
| Cost of funding earning assets | 1.1159% | 1,143 |
| Net interest margin | 3.2649% | 5,548 |
| Noninterest income to average assets | 0.3746% | 4,841 |
| Noninterest expense to average assets | 2.6932% | 4,457 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4779% | 4,916 |
| Return on assets (ROA) | 0.4779% | 5,163 |
| Pretax return on assets | 0.4779% | 5,500 |
| Return on Equity (ROE) | 5.6807% | 4,488 |
| Retained earnings to average equity (ytd only) | 5.6807% | 2,888 |
| Net charge-offs to loans | 0.1557% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 6.1667% | 2,684 |
| Efficiency ratio | 84.9287% | 1,543 |
| Assets per employee ($millions) | 3.8704% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 6,006 |
| Loan loss allowance to noncurrent loans | 493.9394% | 727 |
| Noncurrent assets plus other real estate owned to assets | 2.3415% | 2,385 |
| Noncurrent loans to loans | 0.2104% | 6,161 |
| Net loans and leases to total assets | 50.1340% | 5,337 |
| Net loans and leases to deposits | 54.9331% | 5,774 |
| Net loans and leases to core deposits | 55.4333% | 5,985 |
| Total domestic deposits to total assets | 91.2638% | 362 |
| Equity capital to assets | 8.6038% | 6,120 |
| Core capital (leverage) ratio | 7.8462% | 6,414 |
| Tier 1 risk-based capital ratio | 14.2059% | 4,304 |
| Total risk-based capital ratio | 15.1643% | 4,489 |
| Memoranda: | ||
| Average total assets | $30,966,670 | 6,869 |
| Average earning assets | $26,524,670 | 6,886 |
| Average equity | $2,605,330 | 6,991 |
| Average total loans | $15,413,670 | 6,776 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 4,217 |
| Cost of funding earning assets | 1.1681% | 1,114 |
| Net interest margin | 3.2585% | 5,614 |
| Noninterest income to average assets | 0.3746% | 4,863 |
| Noninterest expense to average assets | 2.5316% | 5,058 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5812% | 4,435 |
| Return on assets (ROA) | 0.5812% | 4,658 |
| Pretax return on assets | 0.5812% | 5,177 |
| Return on Equity (ROE) | 6.9876% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.9876% | 2,444 |
| Net charge-offs to loans | -0.0262% | 6,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3278% | 2,039 |
| Assets per employee ($millions) | 3.8624% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 5,536 |
| Loan loss allowance to noncurrent loans | 70.4000% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 2.5891% | 2,284 |
| Noncurrent loans to loans | 1.6904% | 3,574 |
| Net loans and leases to total assets | 47.2928% | 5,644 |
| Net loans and leases to deposits | 51.7164% | 5,998 |
| Net loans and leases to core deposits | 52.1856% | 6,191 |
| Total domestic deposits to total assets | 91.4463% | 390 |
| Equity capital to assets | 8.4113% | 6,164 |
| Core capital (leverage) ratio | 7.8787% | 6,349 |
| Tier 1 risk-based capital ratio | 16.0148% | 3,170 |
| Total risk-based capital ratio | 17.1956% | 3,170 |
| Memoranda: | ||
| Average total assets | $30,968,500 | 6,922 |
| Average earning assets | $26,024,500 | 6,956 |
| Average equity | $2,576,000 | 7,050 |
| Average total loans | $15,277,500 | 6,838 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 3,792 |
| Cost of funding earning assets | 1.3715% | 1,159 |
| Net interest margin | 3.4325% | 5,389 |
| Noninterest income to average assets | 0.3872% | 4,730 |
| Noninterest expense to average assets | 2.8868% | 4,009 |
| Loan and lease loss provision to assets | 0.0781% | 5,633 |
| Net operating income to assets | 0.4483% | 4,655 |
| Return on assets (ROA) | 0.4483% | 4,860 |
| Pretax return on assets | 0.4483% | 5,131 |
| Return on Equity (ROE) | 5.4509% | 4,166 |
| Retained earnings to average equity (ytd only) | 3.9643% | 3,374 |
| Net charge-offs to loans | 0.0432% | 5,874 |
| Credit loss provision to net charge-offs | 328.5714% | 711 |
| Earnings coverage of net charge-offs (x) | 22.1429% | 1,072 |
| Efficiency ratio | 84.5771% | 1,700 |
| Assets per employee ($millions) | 3.8798% | 4,128 |
| Cash dividends to net income (ytd only)* | 27.2727% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 5,777 |
| Loan loss allowance to noncurrent loans | 75.4310% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 2.5292% | 2,399 |
| Noncurrent loans to loans | 1.4715% | 3,953 |
| Net loans and leases to total assets | 50.2320% | 5,552 |
| Net loans and leases to deposits | 54.8130% | 5,995 |
| Net loans and leases to core deposits | 55.3068% | 6,204 |
| Total domestic deposits to total assets | 91.6425% | 294 |
| Equity capital to assets | 8.2254% | 6,411 |
| Core capital (leverage) ratio | 7.7156% | 6,525 |
| Tier 1 risk-based capital ratio | 13.9829% | 4,338 |
| Total risk-based capital ratio | 15.0278% | 4,460 |
| Memoranda: | ||
| Average total assets | $29,444,200 | 6,984 |
| Average earning assets | $25,957,600 | 6,990 |
| Average equity | $2,421,600 | 7,136 |
| Average total loans | $16,215,800 | 6,838 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8127% | 3,970 |
| Cost of funding earning assets | 1.4140% | 1,169 |
| Net interest margin | 3.3987% | 5,576 |
| Noninterest income to average assets | 0.3810% | 4,803 |
| Noninterest expense to average assets | 2.9149% | 3,865 |
| Loan and lease loss provision to assets | 0.0551% | 5,757 |
| Net operating income to assets | 0.4453% | 4,803 |
| Return on assets (ROA) | 0.4453% | 4,996 |
| Pretax return on assets | 0.4453% | 5,325 |
| Return on Equity (ROE) | 5.4141% | 4,329 |
| Retained earnings to average equity (ytd only) | 4.4651% | 3,542 |
| Net charge-offs to loans | -0.0164% | 6,864 |
| Credit loss provision to net charge-offs | -600.0000% | 6,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3495% | 1,595 |
| Assets per employee ($millions) | 3.6434% | 4,658 |
| Cash dividends to net income (ytd only)* | 17.5288% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 6,096 |
| Loan loss allowance to noncurrent loans | 43.6869% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 3.2662% | 1,941 |
| Noncurrent loans to loans | 2.3750% | 2,920 |
| Net loans and leases to total assets | 56.6130% | 4,742 |
| Net loans and leases to deposits | 62.1483% | 5,385 |
| Net loans and leases to core deposits | 62.7462% | 5,744 |
| Total domestic deposits to total assets | 91.0934% | 408 |
| Equity capital to assets | 8.7488% | 6,033 |
| Core capital (leverage) ratio | 7.9953% | 6,406 |
| Tier 1 risk-based capital ratio | 13.5928% | 4,659 |
| Total risk-based capital ratio | 14.6038% | 4,809 |
| Memoranda: | ||
| Average total assets | $29,045,750 | 7,066 |
| Average earning assets | $25,930,750 | 7,058 |
| Average equity | $2,388,750 | 7,214 |
| Average total loans | $16,328,250 | 6,902 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8056% | 4,081 |
| Cost of funding earning assets | 1.4626% | 1,154 |
| Net interest margin | 3.3430% | 5,730 |
| Noninterest income to average assets | 0.3860% | 4,786 |
| Noninterest expense to average assets | 2.8195% | 4,347 |
| Loan and lease loss provision to assets | 0.0689% | 5,443 |
| Net operating income to assets | 0.4757% | 4,615 |
| Return on assets (ROA) | 0.4757% | 4,755 |
| Pretax return on assets | 0.4757% | 5,151 |
| Return on Equity (ROE) | 5.9101% | 4,013 |
| Retained earnings to average equity (ytd only) | 4.4540% | 3,359 |
| Net charge-offs to loans | -0.0123% | 6,732 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8115% | 1,841 |
| Assets per employee ($millions) | 3.6300% | 4,612 |
| Cash dividends to net income (ytd only)* | 24.6377% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 6,216 |
| Loan loss allowance to noncurrent loans | 106.9182% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 2.1143% | 3,088 |
| Noncurrent loans to loans | 0.9630% | 5,062 |
| Net loans and leases to total assets | 56.2707% | 4,949 |
| Net loans and leases to deposits | 61.6060% | 5,548 |
| Net loans and leases to core deposits | 62.1993% | 5,883 |
| Total domestic deposits to total assets | 91.3395% | 384 |
| Equity capital to assets | 8.4917% | 6,197 |
| Core capital (leverage) ratio | 7.9830% | 6,316 |
| Tier 1 risk-based capital ratio | 13.7432% | 4,348 |
| Total risk-based capital ratio | 14.7599% | 4,500 |
| Memoranda: | ||
| Average total assets | $29,012,000 | 7,133 |
| Average earning assets | $25,845,000 | 7,128 |
| Average equity | $2,335,000 | 7,282 |
| Average total loans | $16,213,000 | 6,970 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 4,118 |
| Cost of funding earning assets | 1.5434% | 1,010 |
| Net interest margin | 3.2427% | 5,946 |
| Noninterest income to average assets | 0.3724% | 4,933 |
| Noninterest expense to average assets | 2.5933% | 5,252 |
| Loan and lease loss provision to assets | 0.0828% | 4,965 |
| Net operating income to assets | 0.5656% | 4,209 |
| Return on assets (ROA) | 0.5656% | 4,283 |
| Pretax return on assets | 0.5656% | 4,815 |
| Return on Equity (ROE) | 7.2263% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.2263% | 2,057 |
| Net charge-offs to loans | -0.0249% | 6,641 |
| Credit loss provision to net charge-offs | -600.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 2,533 |
| Assets per employee ($millions) | 3.5430% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 6,165 |
| Loan loss allowance to noncurrent loans | 98.8095% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 2.1980% | 3,067 |
| Noncurrent loans to loans | 1.0817% | 4,887 |
| Net loans and leases to total assets | 54.2090% | 5,274 |
| Net loans and leases to deposits | 59.1007% | 5,812 |
| Net loans and leases to core deposits | 59.1007% | 6,175 |
| Total domestic deposits to total assets | 91.7231% | 360 |
| Equity capital to assets | 8.0828% | 6,405 |
| Core capital (leverage) ratio | 7.8613% | 6,405 |
| Tier 1 risk-based capital ratio | 14.3134% | 3,860 |
| Total risk-based capital ratio | 15.3524% | 3,977 |
| Memoranda: | ||
| Average total assets | $28,998,000 | 7,185 |
| Average earning assets | $25,658,000 | 7,183 |
| Average equity | $2,269,500 | 7,352 |
| Average total loans | $16,064,000 | 7,031 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2749% | 3,237 |
| Cost of funding earning assets | 1.8693% | 942 |
| Net interest margin | 3.4056% | 5,612 |
| Noninterest income to average assets | 0.4159% | 4,772 |
| Noninterest expense to average assets | 2.6752% | 5,103 |
| Loan and lease loss provision to assets | 0.1397% | 5,785 |
| Net operating income to assets | 0.5956% | 3,692 |
| Return on assets (ROA) | 0.6389% | 3,646 |
| Pretax return on assets | 0.6389% | 4,204 |
| Return on Equity (ROE) | 8.7615% | 2,394 |
| Retained earnings to average equity (ytd only) | 8.3965% | 868 |
| Net charge-offs to loans | 0.3178% | 4,429 |
| Credit loss provision to net charge-offs | 76.3636% | 5,685 |
| Earnings coverage of net charge-offs (x) | 4.0182% | 3,101 |
| Efficiency ratio | 78.4390% | 2,630 |
| Assets per employee ($millions) | 3.7065% | 4,449 |
| Cash dividends to net income (ytd only)* | 4.1667% | 3,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 6,540 |
| Loan loss allowance to noncurrent loans | 77.5610% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 2.2393% | 3,039 |
| Noncurrent loans to loans | 1.2352% | 4,658 |
| Net loans and leases to total assets | 55.4364% | 5,424 |
| Net loans and leases to deposits | 60.1112% | 6,044 |
| Net loans and leases to core deposits | 60.1112% | 6,383 |
| Total domestic deposits to total assets | 92.2231% | 234 |
| Equity capital to assets | 7.5813% | 6,830 |
| Core capital (leverage) ratio | 7.4079% | 6,778 |
| Tier 1 risk-based capital ratio | 13.1978% | 4,455 |
| Total risk-based capital ratio | 14.1321% | 4,671 |
| Memoranda: | ||
| Average total assets | $30,053,800 | 7,205 |
| Average earning assets | $26,426,800 | 7,212 |
| Average equity | $2,191,400 | 7,472 |
| Average total loans | $17,309,000 | 7,067 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3127% | 3,287 |
| Cost of funding earning assets | 1.9150% | 982 |
| Net interest margin | 3.3977% | 5,690 |
| Noninterest income to average assets | 0.4068% | 4,900 |
| Noninterest expense to average assets | 2.6220% | 5,239 |
| Loan and lease loss provision to assets | 0.1636% | 5,402 |
| Net operating income to assets | 0.6102% | 3,838 |
| Return on assets (ROA) | 0.6677% | 3,720 |
| Pretax return on assets | 0.6677% | 4,359 |
| Return on Equity (ROE) | 9.2470% | 2,409 |
| Retained earnings to average equity (ytd only) | 8.7569% | 1,133 |
| Net charge-offs to loans | 0.1677% | 4,972 |
| Credit loss provision to net charge-offs | 168.1818% | 2,219 |
| Earnings coverage of net charge-offs (x) | 7.9553% | 2,232 |
| Efficiency ratio | 77.2135% | 2,739 |
| Assets per employee ($millions) | 3.7238% | 4,453 |
| Cash dividends to net income (ytd only)* | 5.2998% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 6,184 |
| Loan loss allowance to noncurrent loans | 35.4167% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 2.1450% | 3,273 |
| Noncurrent loans to loans | 2.9550% | 2,697 |
| Net loans and leases to total assets | 59.3521% | 5,028 |
| Net loans and leases to deposits | 64.4234% | 5,861 |
| Net loans and leases to core deposits | 65.2171% | 6,189 |
| Total domestic deposits to total assets | 92.1282% | 174 |
| Equity capital to assets | 7.6603% | 7,026 |
| Core capital (leverage) ratio | 7.3911% | 6,948 |
| Tier 1 risk-based capital ratio | 12.3095% | 5,172 |
| Total risk-based capital ratio | 13.3534% | 5,329 |
| Memoranda: | ||
| Average total assets | $30,154,250 | 7,288 |
| Average earning assets | $26,527,000 | 7,297 |
| Average equity | $2,177,250 | 7,575 |
| Average total loans | $17,487,000 | 7,151 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2577% | 3,670 |
| Cost of funding earning assets | 1.9641% | 1,003 |
| Net interest margin | 3.2936% | 6,033 |
| Noninterest income to average assets | 0.4228% | 4,729 |
| Noninterest expense to average assets | 2.6556% | 5,100 |
| Loan and lease loss provision to assets | 0.2444% | 4,477 |
| Net operating income to assets | 0.4030% | 4,741 |
| Return on assets (ROA) | 0.4030% | 4,903 |
| Pretax return on assets | 0.4030% | 5,215 |
| Return on Equity (ROE) | 5.6947% | 3,945 |
| Retained earnings to average equity (ytd only) | 4.9479% | 2,934 |
| Net charge-offs to loans | 0.2535% | 4,081 |
| Credit loss provision to net charge-offs | 168.1818% | 2,334 |
| Earnings coverage of net charge-offs (x) | 4.4545% | 2,949 |
| Efficiency ratio | 80.4000% | 2,387 |
| Assets per employee ($millions) | 3.7794% | 4,271 |
| Cash dividends to net income (ytd only)* | 13.1148% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 6,169 |
| Loan loss allowance to noncurrent loans | 36.5949% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 2.0572% | 3,438 |
| Noncurrent loans to loans | 2.8766% | 2,778 |
| Net loans and leases to total assets | 58.1346% | 5,395 |
| Net loans and leases to deposits | 62.8064% | 6,157 |
| Net loans and leases to core deposits | 63.5627% | 6,445 |
| Total domestic deposits to total assets | 92.5616% | 143 |
| Equity capital to assets | 7.2135% | 7,268 |
| Core capital (leverage) ratio | 7.1400% | 7,103 |
| Tier 1 risk-based capital ratio | 11.7690% | 5,527 |
| Total risk-based capital ratio | 12.8095% | 5,682 |
| Memoranda: | ||
| Average total assets | $30,275,670 | 7,336 |
| Average earning assets | $26,475,330 | 7,355 |
| Average equity | $2,142,330 | 7,637 |
| Average total loans | $17,360,000 | 7,206 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4129% | 2,977 |
| Cost of funding earning assets | 2.0432% | 960 |
| Net interest margin | 3.3697% | 5,704 |
| Noninterest income to average assets | 0.4093% | 4,826 |
| Noninterest expense to average assets | 2.6802% | 4,999 |
| Loan and lease loss provision to assets | 0.3433% | 3,324 |
| Net operating income to assets | 0.3037% | 5,288 |
| Return on assets (ROA) | 0.3037% | 5,414 |
| Pretax return on assets | 0.3037% | 5,591 |
| Return on Equity (ROE) | 4.3335% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.3335% | 3,554 |
| Net charge-offs to loans | 0.5129% | 2,533 |
| Credit loss provision to net charge-offs | 118.1818% | 2,957 |
| Earnings coverage of net charge-offs (x) | 2.2273% | 3,424 |
| Efficiency ratio | 80.5556% | 2,480 |
| Assets per employee ($millions) | 3.6949% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 6,300 |
| Loan loss allowance to noncurrent loans | 75.5365% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.1773% | 4,821 |
| Noncurrent loans to loans | 1.3715% | 4,682 |
| Net loans and leases to total assets | 56.8795% | 5,629 |
| Net loans and leases to deposits | 61.4443% | 6,330 |
| Net loans and leases to core deposits | 63.4237% | 6,496 |
| Total domestic deposits to total assets | 92.5708% | 158 |
| Equity capital to assets | 7.1856% | 7,294 |
| Core capital (leverage) ratio | 6.9108% | 7,301 |
| Tier 1 risk-based capital ratio | 11.9204% | 5,279 |
| Total risk-based capital ratio | 12.9266% | 5,463 |
| Memoranda: | ||
| Average total assets | $30,296,000 | 7,432 |
| Average earning assets | $26,233,500 | 7,456 |
| Average equity | $2,123,000 | 7,725 |
| Average total loans | $17,158,000 | 7,305 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9216% | 2,154 |
| Cost of funding earning assets | 2.4051% | 1,283 |
| Net interest margin | 3.5165% | 4,883 |
| Noninterest income to average assets | 0.5294% | 4,183 |
| Noninterest expense to average assets | 2.6868% | 5,448 |
| Loan and lease loss provision to assets | 0.0072% | 7,395 |
| Net operating income to assets | 0.8896% | 2,215 |
| Return on assets (ROA) | 0.8896% | 2,283 |
| Pretax return on assets | 0.8896% | 2,957 |
| Return on Equity (ROE) | 11.9462% | 1,177 |
| Retained earnings to average equity (ytd only) | 1.6444% | 3,932 |
| Net charge-offs to loans | -0.0119% | 7,758 |
| Credit loss provision to net charge-offs | -100.0000% | 7,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9749% | 3,717 |
| Assets per employee ($millions) | 3.8791% | 4,078 |
| Cash dividends to net income (ytd only)* | 86.2348% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 6,435 |
| Loan loss allowance to noncurrent loans | 291.5254% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5736% | 6,031 |
| Noncurrent loans to loans | 0.3405% | 6,597 |
| Net loans and leases to total assets | 55.2799% | 6,048 |
| Net loans and leases to deposits | 59.4834% | 6,671 |
| Net loans and leases to core deposits | 70.0776% | 6,766 |
| Total domestic deposits to total assets | 92.9333% | 136 |
| Equity capital to assets | 6.8379% | 7,450 |
| Core capital (leverage) ratio | 7.0091% | 7,229 |
| Tier 1 risk-based capital ratio | 11.3490% | 5,566 |
| Total risk-based capital ratio | 12.2957% | 5,843 |
| Memoranda: | ||
| Average total assets | $27,765,600 | 7,559 |
| Average earning assets | $24,115,000 | 7,579 |
| Average equity | $2,067,600 | 7,831 |
| Average total loans | $16,793,800 | 7,366 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0170% | 1,965 |
| Cost of funding earning assets | 2.4541% | 1,432 |
| Net interest margin | 3.5629% | 4,623 |
| Noninterest income to average assets | 0.5244% | 4,285 |
| Noninterest expense to average assets | 2.7360% | 5,168 |
| Loan and lease loss provision to assets | 0.0099% | 7,231 |
| Net operating income to assets | 0.9104% | 2,390 |
| Return on assets (ROA) | 0.9104% | 2,455 |
| Pretax return on assets | 0.9104% | 3,195 |
| Return on Equity (ROE) | 11.9440% | 1,369 |
| Retained earnings to average equity (ytd only) | -0.3247% | 5,295 |
| Net charge-offs to loans | -0.0160% | 7,738 |
| Credit loss provision to net charge-offs | -100.0000% | 7,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8309% | 3,719 |
| Assets per employee ($millions) | 3.5853% | 4,722 |
| Cash dividends to net income (ytd only)* | 102.7147% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 6,210 |
| Loan loss allowance to noncurrent loans | 226.3158% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 5,749 |
| Noncurrent loans to loans | 0.4472% | 6,434 |
| Net loans and leases to total assets | 58.6535% | 5,784 |
| Net loans and leases to deposits | 63.4447% | 6,545 |
| Net loans and leases to core deposits | 73.0260% | 6,779 |
| Total domestic deposits to total assets | 92.4482% | 124 |
| Equity capital to assets | 7.3007% | 7,429 |
| Core capital (leverage) ratio | 7.3300% | 7,161 |
| Tier 1 risk-based capital ratio | 10.2089% | 6,776 |
| Total risk-based capital ratio | 11.0769% | 7,080 |
| Memoranda: | ||
| Average total assets | $26,948,750 | 7,651 |
| Average earning assets | $23,688,000 | 7,666 |
| Average equity | $2,054,000 | 7,913 |
| Average total loans | $16,660,500 | 7,437 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9320% | 2,450 |
| Cost of funding earning assets | 2.4923% | 1,639 |
| Net interest margin | 3.4397% | 5,030 |
| Noninterest income to average assets | 0.5385% | 4,120 |
| Noninterest expense to average assets | 2.8668% | 4,653 |
| Loan and lease loss provision to assets | 0.0152% | 7,071 |
| Net operating income to assets | 0.7129% | 3,199 |
| Return on assets (ROA) | 0.7129% | 3,305 |
| Pretax return on assets | 0.7129% | 3,954 |
| Return on Equity (ROE) | 9.2127% | 2,283 |
| Retained earnings to average equity (ytd only) | -6.7625% | 6,533 |
| Net charge-offs to loans | -0.0121% | 7,628 |
| Credit loss provision to net charge-offs | -200.0000% | 6,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7468% | 3,086 |
| Assets per employee ($millions) | 3.4263% | 5,012 |
| Cash dividends to net income (ytd only)* | 173.4043% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 6,301 |
| Loan loss allowance to noncurrent loans | 294.8276% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.6603% | 5,763 |
| Noncurrent loans to loans | 0.3370% | 6,671 |
| Net loans and leases to total assets | 62.1671% | 5,330 |
| Net loans and leases to deposits | 67.3145% | 6,268 |
| Net loans and leases to core deposits | 77.6168% | 6,568 |
| Total domestic deposits to total assets | 92.3532% | 162 |
| Equity capital to assets | 7.3221% | 7,401 |
| Core capital (leverage) ratio | 7.2871% | 7,260 |
| Tier 1 risk-based capital ratio | 11.3074% | 5,586 |
| Total risk-based capital ratio | 12.2944% | 5,748 |
| Memoranda: | ||
| Average total assets | $26,371,000 | 7,746 |
| Average earning assets | $23,432,330 | 7,750 |
| Average equity | $2,040,670 | 7,996 |
| Average total loans | $16,549,000 | 7,512 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9628% | 2,509 |
| Cost of funding earning assets | 2.5780% | 1,629 |
| Net interest margin | 3.3848% | 5,191 |
| Noninterest income to average assets | 0.5725% | 3,738 |
| Noninterest expense to average assets | 2.7232% | 4,904 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8355% | 2,970 |
| Return on assets (ROA) | 0.8355% | 3,120 |
| Pretax return on assets | 0.8355% | 3,951 |
| Return on Equity (ROE) | 10.4982% | 2,127 |
| Retained earnings to average equity (ytd only) | -13.8032% | 7,370 |
| Net charge-offs to loans | -0.0247% | 7,495 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5217% | 3,399 |
| Assets per employee ($millions) | 2.8927% | 6,429 |
| Cash dividends to net income (ytd only)* | 231.4815% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 5,815 |
| Loan loss allowance to noncurrent loans | 164.0777% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.8835% | 4,985 |
| Noncurrent loans to loans | 0.6395% | 5,813 |
| Net loans and leases to total assets | 61.2161% | 5,462 |
| Net loans and leases to deposits | 66.5901% | 6,321 |
| Net loans and leases to core deposits | 77.0238% | 6,606 |
| Total domestic deposits to total assets | 91.9298% | 195 |
| Equity capital to assets | 7.7668% | 7,108 |
| Core capital (leverage) ratio | 7.5475% | 7,097 |
| Tier 1 risk-based capital ratio | 11.8233% | 5,099 |
| Total risk-based capital ratio | 12.8444% | 5,214 |
| Memoranda: | ||
| Average total assets | $25,851,500 | 7,806 |
| Average earning assets | $22,808,000 | 7,811 |
| Average equity | $2,057,500 | 8,044 |
| Average total loans | $16,218,000 | 7,570 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8247% | 1,600 |
| Cost of funding earning assets | 3.2127% | 1,152 |
| Net interest margin | 3.6120% | 4,829 |
| Noninterest income to average assets | 0.5709% | 4,075 |
| Noninterest expense to average assets | 2.7671% | 4,973 |
| Loan and lease loss provision to assets | 0.0159% | 7,183 |
| Net operating income to assets | 0.9435% | 2,819 |
| Return on assets (ROA) | 0.9435% | 2,678 |
| Pretax return on assets | 0.9435% | 3,575 |
| Return on Equity (ROE) | 11.7880% | 1,659 |
| Retained earnings to average equity (ytd only) | -1.2382% | 5,665 |
| Net charge-offs to loans | 0.2759% | 3,556 |
| Credit loss provision to net charge-offs | 8.8889% | 6,628 |
| Earnings coverage of net charge-offs (x) | 5.3778% | 3,663 |
| Efficiency ratio | 74.2553% | 3,531 |
| Assets per employee ($millions) | 2.5669% | 7,068 |
| Cash dividends to net income (ytd only)* | 110.5042% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 5,785 |
| Loan loss allowance to noncurrent loans | 94.3820% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.1882% | 3,880 |
| Noncurrent loans to loans | 1.0900% | 4,381 |
| Net loans and leases to total assets | 62.9631% | 5,458 |
| Net loans and leases to deposits | 68.7745% | 6,392 |
| Net loans and leases to core deposits | 79.7257% | 6,635 |
| Total domestic deposits to total assets | 91.5501% | 199 |
| Equity capital to assets | 8.1538% | 6,627 |
| Core capital (leverage) ratio | 7.8972% | 6,658 |
| Tier 1 risk-based capital ratio | 12.0614% | 4,772 |
| Total risk-based capital ratio | 13.0605% | 4,883 |
| Memoranda: | ||
| Average total assets | $25,224,600 | 7,835 |
| Average earning assets | $22,037,600 | 7,861 |
| Average equity | $2,019,000 | 8,117 |
| Average total loans | $16,308,400 | 7,566 |