Home > First State Bank of Mobeetie > Performance and Condition Ratios
First State Bank of Mobeetie, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9575% | 5,069 |
| Cost of funding earning assets | 0.5360% | 3,941 |
| Net interest margin | 2.4216% | 5,004 |
| Noninterest income to average assets | 0.2362% | 4,265 |
| Noninterest expense to average assets | 2.5471% | 3,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.0467% | 4,987 |
| Return on assets (ROA) | 1.0008% | 2,931 |
| Pretax return on assets | 1.1170% | 3,117 |
| Return on Equity (ROE) | 7.9165% | 3,201 |
| Retained earnings to average equity (ytd only) | 3.7363% | 3,114 |
| Net charge-offs to loans | -0.0974% | 4,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8789% | 144 |
| Assets per employee ($millions) | 6.9575% | 1,056 |
| Cash dividends to net income (ytd only)* | 52.8031% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8957% | 142 |
| Loan loss allowance to noncurrent loans | 44.5466% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 0.9943% | 1,251 |
| Noncurrent loans to loans | 6.5004% | 57 |
| Net loans and leases to total assets | 14.8537% | 5,097 |
| Net loans and leases to deposits | 17.0427% | 5,106 |
| Net loans and leases to core deposits | 18.3228% | 5,100 |
| Total domestic deposits to total assets | 87.1559% | 1,539 |
| Equity capital to assets | 12.7893% | 1,649 |
| Core capital (leverage) ratio | 12.8618% | 1,302 |
| Tier 1 risk-based capital ratio | 81.3527% | 57 |
| Total risk-based capital ratio | 82.6162% | 56 |
| Memoranda: | ||
| Average total assets | $76,637,000 | 4,339 |
| Average earning assets | $71,647,600 | 4,321 |
| Average equity | $9,688,600 | 4,282 |
| Average total loans | $12,322,200 | 5,025 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0835% | 5,133 |
| Cost of funding earning assets | 0.4949% | 4,157 |
| Net interest margin | 2.5886% | 5,010 |
| Noninterest income to average assets | 0.2696% | 4,128 |
| Noninterest expense to average assets | 2.5809% | 3,214 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0890% | 5,027 |
| Return on assets (ROA) | 1.5026% | 1,235 |
| Pretax return on assets | 1.6192% | 1,570 |
| Return on Equity (ROE) | 11.9205% | 1,645 |
| Retained earnings to average equity (ytd only) | 11.9205% | 392 |
| Net charge-offs to loans | -0.1389% | 5,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3011% | 198 |
| Assets per employee ($millions) | 6.3898% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6890% | 176 |
| Loan loss allowance to noncurrent loans | 44.5026% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 0.9964% | 1,350 |
| Noncurrent loans to loans | 6.0424% | 74 |
| Net loans and leases to total assets | 16.0463% | 5,178 |
| Net loans and leases to deposits | 18.5460% | 5,178 |
| Net loans and leases to core deposits | 19.7047% | 5,175 |
| Total domestic deposits to total assets | 86.5216% | 1,760 |
| Equity capital to assets | 13.4328% | 1,390 |
| Core capital (leverage) ratio | 13.5399% | 1,119 |
| Tier 1 risk-based capital ratio | 80.7881% | 55 |
| Total risk-based capital ratio | 82.0523% | 54 |
| Memoranda: | ||
| Average total assets | $76,663,000 | 4,392 |
| Average earning assets | $71,388,250 | 4,379 |
| Average equity | $9,663,750 | 4,331 |
| Average total loans | $12,476,000 | 5,100 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0912% | 5,188 |
| Cost of funding earning assets | 0.4687% | 4,246 |
| Net interest margin | 2.6225% | 5,059 |
| Noninterest income to average assets | 0.2583% | 4,206 |
| Noninterest expense to average assets | 1.8576% | 4,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8714% | 3,398 |
| Return on assets (ROA) | 0.8610% | 3,490 |
| Pretax return on assets | 0.8427% | 3,990 |
| Return on Equity (ROE) | 6.9829% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.9829% | 1,814 |
| Net charge-offs to loans | -0.1288% | 5,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5274% | 2,443 |
| Assets per employee ($millions) | 5.8652% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5899% | 198 |
| Loan loss allowance to noncurrent loans | 43.8482% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 1.0020% | 1,390 |
| Noncurrent loans to loans | 5.9065% | 69 |
| Net loans and leases to total assets | 16.5250% | 5,220 |
| Net loans and leases to deposits | 19.0880% | 5,222 |
| Net loans and leases to core deposits | 20.2007% | 5,219 |
| Total domestic deposits to total assets | 86.5728% | 1,786 |
| Equity capital to assets | 13.3289% | 1,421 |
| Core capital (leverage) ratio | 12.7035% | 1,439 |
| Tier 1 risk-based capital ratio | 43.6278% | 187 |
| Total risk-based capital ratio | 44.8809% | 186 |
| Memoranda: | ||
| Average total assets | $76,658,000 | 4,426 |
| Average earning assets | $71,687,670 | 4,408 |
| Average equity | $9,451,670 | 4,376 |
| Average total loans | $12,420,000 | 5,146 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9918% | 5,272 |
| Cost of funding earning assets | 0.4345% | 4,350 |
| Net interest margin | 2.5574% | 5,164 |
| Noninterest income to average assets | 0.2550% | 4,181 |
| Noninterest expense to average assets | 1.8266% | 4,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8691% | 3,356 |
| Return on assets (ROA) | 0.8483% | 3,504 |
| Pretax return on assets | 0.8274% | 3,974 |
| Return on Equity (ROE) | 7.1680% | 3,607 |
| Retained earnings to average equity (ytd only) | 7.1680% | 1,975 |
| Net charge-offs to loans | -0.1316% | 5,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2879% | 2,600 |
| Assets per employee ($millions) | 6.5270% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7198% | 184 |
| Loan loss allowance to noncurrent loans | 32.9353% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.2831% | 1,031 |
| Noncurrent loans to loans | 8.2580% | 39 |
| Net loans and leases to total assets | 15.1154% | 5,290 |
| Net loans and leases to deposits | 17.1702% | 5,295 |
| Net loans and leases to core deposits | 18.1044% | 5,289 |
| Total domestic deposits to total assets | 88.0330% | 1,322 |
| Equity capital to assets | 11.9440% | 2,055 |
| Core capital (leverage) ratio | 12.5574% | 1,474 |
| Tier 1 risk-based capital ratio | 43.0201% | 187 |
| Total risk-based capital ratio | 44.2726% | 182 |
| Memoranda: | ||
| Average total assets | $76,863,000 | 4,472 |
| Average earning assets | $72,731,000 | 4,438 |
| Average equity | $9,096,000 | 4,452 |
| Average total loans | $12,162,500 | 5,207 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1570% | 5,170 |
| Cost of funding earning assets | 0.3479% | 4,289 |
| Net interest margin | 2.8091% | 5,015 |
| Noninterest income to average assets | 0.3131% | 4,025 |
| Noninterest expense to average assets | 1.9133% | 4,880 |
| Loan and lease loss provision to assets | 0.0856% | 2,426 |
| Net operating income to assets | 0.9228% | 3,354 |
| Return on assets (ROA) | 0.9228% | 3,344 |
| Pretax return on assets | 0.9560% | 3,739 |
| Return on Equity (ROE) | 8.0267% | 3,427 |
| Retained earnings to average equity (ytd only) | 2.0233% | 4,347 |
| Net charge-offs to loans | -0.3816% | 5,324 |
| Credit loss provision to net charge-offs | -126.4151% | 4,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7491% | 3,073 |
| Assets per employee ($millions) | 5.8002% | 1,674 |
| Cash dividends to net income (ytd only)* | 74.7922% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6903% | 186 |
| Loan loss allowance to noncurrent loans | 30.6467% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 1.4151% | 851 |
| Noncurrent loans to loans | 8.7783% | 35 |
| Net loans and leases to total assets | 15.6866% | 5,334 |
| Net loans and leases to deposits | 17.7731% | 5,336 |
| Net loans and leases to core deposits | 18.5241% | 5,333 |
| Total domestic deposits to total assets | 88.2603% | 1,175 |
| Equity capital to assets | 11.7198% | 2,083 |
| Core capital (leverage) ratio | 12.2500% | 1,587 |
| Tier 1 risk-based capital ratio | 42.4184% | 200 |
| Total risk-based capital ratio | 43.6701% | 197 |
| Memoranda: | ||
| Average total assets | $78,243,400 | 4,457 |
| Average earning assets | $73,583,400 | 4,429 |
| Average equity | $8,995,000 | 4,462 |
| Average total loans | $13,888,000 | 5,213 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0718% | 5,257 |
| Cost of funding earning assets | 0.3311% | 4,301 |
| Net interest margin | 2.7407% | 5,134 |
| Noninterest income to average assets | 0.3073% | 4,089 |
| Noninterest expense to average assets | 1.7917% | 5,044 |
| Loan and lease loss provision to assets | 0.0861% | 2,249 |
| Net operating income to assets | 0.9676% | 3,229 |
| Return on assets (ROA) | 0.9676% | 3,243 |
| Pretax return on assets | 1.0014% | 3,718 |
| Return on Equity (ROE) | 8.4563% | 3,350 |
| Retained earnings to average equity (ytd only) | 8.4563% | 1,442 |
| Net charge-offs to loans | -0.4469% | 5,390 |
| Credit loss provision to net charge-offs | -106.2500% | 4,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2287% | 3,473 |
| Assets per employee ($millions) | 6.1173% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2200% | 350 |
| Loan loss allowance to noncurrent loans | 34.5372% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 1.1141% | 1,284 |
| Noncurrent loans to loans | 6.4277% | 68 |
| Net loans and leases to total assets | 16.9481% | 5,399 |
| Net loans and leases to deposits | 19.0915% | 5,402 |
| Net loans and leases to core deposits | 19.8501% | 5,401 |
| Total domestic deposits to total assets | 88.7733% | 924 |
| Equity capital to assets | 11.2028% | 2,471 |
| Core capital (leverage) ratio | 12.4877% | 1,511 |
| Tier 1 risk-based capital ratio | 41.3223% | 213 |
| Total risk-based capital ratio | 42.5728% | 211 |
| Memoranda: | ||
| Average total assets | $78,953,750 | 4,494 |
| Average earning assets | $74,092,500 | 4,465 |
| Average equity | $9,034,500 | 4,496 |
| Average total loans | $14,321,250 | 5,275 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1710% | 5,252 |
| Cost of funding earning assets | 0.3250% | 4,238 |
| Net interest margin | 2.8461% | 5,077 |
| Noninterest income to average assets | 0.3047% | 4,137 |
| Noninterest expense to average assets | 1.7165% | 5,179 |
| Loan and lease loss provision to assets | 0.0914% | 2,099 |
| Net operating income to assets | 1.0970% | 2,594 |
| Return on assets (ROA) | 1.0970% | 2,603 |
| Pretax return on assets | 1.1655% | 3,071 |
| Return on Equity (ROE) | 9.5193% | 2,790 |
| Retained earnings to average equity (ytd only) | 9.5193% | 1,066 |
| Net charge-offs to loans | -0.5890% | 5,453 |
| Credit loss provision to net charge-offs | -83.7209% | 4,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7284% | 4,278 |
| Assets per employee ($millions) | 6.0435% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7193% | 198 |
| Loan loss allowance to noncurrent loans | 79.9172% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 2,382 |
| Noncurrent loans to loans | 3.4026% | 292 |
| Net loans and leases to total assets | 17.5765% | 5,456 |
| Net loans and leases to deposits | 19.8685% | 5,463 |
| Net loans and leases to core deposits | 20.6684% | 5,462 |
| Total domestic deposits to total assets | 88.4643% | 1,160 |
| Equity capital to assets | 11.5013% | 2,197 |
| Core capital (leverage) ratio | 12.2963% | 1,544 |
| Tier 1 risk-based capital ratio | 41.1683% | 215 |
| Total risk-based capital ratio | 42.4194% | 214 |
| Memoranda: | ||
| Average total assets | $78,763,330 | 4,541 |
| Average earning assets | $73,856,330 | 4,508 |
| Average equity | $9,076,330 | 4,531 |
| Average total loans | $14,600,330 | 5,329 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1603% | 5,267 |
| Cost of funding earning assets | 0.3139% | 4,236 |
| Net interest margin | 2.8465% | 5,101 |
| Noninterest income to average assets | 0.2536% | 4,490 |
| Noninterest expense to average assets | 1.6839% | 5,258 |
| Loan and lease loss provision to assets | 0.1065% | 1,753 |
| Net operating income to assets | 1.0499% | 2,648 |
| Return on assets (ROA) | 1.0499% | 2,661 |
| Pretax return on assets | 1.1311% | 3,046 |
| Return on Equity (ROE) | 9.1024% | 2,864 |
| Retained earnings to average equity (ytd only) | 9.1024% | 1,424 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6389% | 4,393 |
| Assets per employee ($millions) | 6.6547% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2486% | 357 |
| Loan loss allowance to noncurrent loans | 68.9076% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 2,531 |
| Noncurrent loans to loans | 3.2632% | 339 |
| Net loans and leases to total assets | 17.8559% | 5,515 |
| Net loans and leases to deposits | 20.1052% | 5,522 |
| Net loans and leases to core deposits | 21.0574% | 5,518 |
| Total domestic deposits to total assets | 88.8124% | 1,200 |
| Equity capital to assets | 11.1551% | 2,426 |
| Core capital (leverage) ratio | 12.0640% | 1,615 |
| Tier 1 risk-based capital ratio | 40.1842% | 225 |
| Total risk-based capital ratio | 41.4344% | 221 |
| Memoranda: | ||
| Average total assets | $78,862,500 | 4,588 |
| Average earning assets | $73,916,000 | 4,553 |
| Average equity | $9,096,500 | 4,574 |
| Average total loans | $14,803,000 | 5,383 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9190% | 5,403 |
| Cost of funding earning assets | 0.3257% | 3,910 |
| Net interest margin | 2.5934% | 5,357 |
| Noninterest income to average assets | 0.2817% | 4,444 |
| Noninterest expense to average assets | 1.7697% | 5,264 |
| Loan and lease loss provision to assets | 0.1184% | 1,927 |
| Net operating income to assets | 0.8039% | 3,140 |
| Return on assets (ROA) | 0.8076% | 3,168 |
| Pretax return on assets | 0.8188% | 4,201 |
| Return on Equity (ROE) | 7.1196% | 3,211 |
| Retained earnings to average equity (ytd only) | 4.1531% | 2,680 |
| Net charge-offs to loans | 0.6517% | 335 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 7.8842% | 2,980 |
| Efficiency ratio | 65.4680% | 3,345 |
| Assets per employee ($millions) | 6.4891% | 1,215 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0441% | 493 |
| Loan loss allowance to noncurrent loans | 45.8209% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 0.8604% | 1,813 |
| Noncurrent loans to loans | 4.4610% | 186 |
| Net loans and leases to total assets | 18.8933% | 5,578 |
| Net loans and leases to deposits | 21.4545% | 5,588 |
| Net loans and leases to core deposits | 22.5907% | 5,582 |
| Total domestic deposits to total assets | 88.0620% | 1,468 |
| Equity capital to assets | 11.9239% | 1,890 |
| Core capital (leverage) ratio | 11.8952% | 1,666 |
| Tier 1 risk-based capital ratio | 37.6385% | 260 |
| Total risk-based capital ratio | 38.8799% | 253 |
| Memoranda: | ||
| Average total assets | $80,240,800 | 4,587 |
| Average earning assets | $74,922,200 | 4,565 |
| Average equity | $9,101,600 | 4,595 |
| Average total loans | $14,576,400 | 5,449 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9911% | 5,415 |
| Cost of funding earning assets | 0.3251% | 3,890 |
| Net interest margin | 2.6661% | 5,360 |
| Noninterest income to average assets | 0.2705% | 4,570 |
| Noninterest expense to average assets | 1.6494% | 5,406 |
| Loan and lease loss provision to assets | 0.1122% | 1,913 |
| Net operating income to assets | 0.9536% | 2,760 |
| Return on assets (ROA) | 0.9583% | 2,789 |
| Pretax return on assets | 1.0029% | 3,679 |
| Return on Equity (ROE) | 8.5542% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.5542% | 986 |
| Net charge-offs to loans | -0.6728% | 5,674 |
| Credit loss provision to net charge-offs | -93.1507% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7729% | 4,257 |
| Assets per employee ($millions) | 6.5523% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7523% | 196 |
| Loan loss allowance to noncurrent loans | 71.5655% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7962% | 2,151 |
| Noncurrent loans to loans | 3.8459% | 264 |
| Net loans and leases to total assets | 20.1315% | 5,636 |
| Net loans and leases to deposits | 22.9779% | 5,643 |
| Net loans and leases to core deposits | 24.3744% | 5,636 |
| Total domestic deposits to total assets | 87.6126% | 1,571 |
| Equity capital to assets | 12.2666% | 1,797 |
| Core capital (leverage) ratio | 11.8002% | 1,821 |
| Tier 1 risk-based capital ratio | 36.4783% | 292 |
| Total risk-based capital ratio | 37.7325% | 289 |
| Memoranda: | ||
| Average total assets | $80,833,750 | 4,618 |
| Average earning assets | $75,465,500 | 4,594 |
| Average equity | $9,055,750 | 4,649 |
| Average total loans | $14,465,750 | 5,510 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8065% | 5,555 |
| Cost of funding earning assets | 0.3241% | 3,850 |
| Net interest margin | 2.4824% | 5,516 |
| Noninterest income to average assets | 0.2624% | 4,657 |
| Noninterest expense to average assets | 1.6575% | 5,447 |
| Loan and lease loss provision to assets | 0.1103% | 1,851 |
| Net operating income to assets | 0.8018% | 3,393 |
| Return on assets (ROA) | 0.8091% | 3,410 |
| Pretax return on assets | 0.8116% | 4,230 |
| Return on Equity (ROE) | 7.4498% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.4498% | 1,373 |
| Net charge-offs to loans | 0.3751% | 547 |
| Credit loss provision to net charge-offs | 173.0769% | 1,391 |
| Earnings coverage of net charge-offs (x) | 14.3462% | 2,077 |
| Efficiency ratio | 64.4423% | 3,599 |
| Assets per employee ($millions) | 6.3517% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1300% | 482 |
| Loan loss allowance to noncurrent loans | 31.4066% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 1.2571% | 1,332 |
| Noncurrent loans to loans | 6.7821% | 76 |
| Net loans and leases to total assets | 18.1405% | 5,694 |
| Net loans and leases to deposits | 20.5110% | 5,702 |
| Net loans and leases to core deposits | 21.6798% | 5,695 |
| Total domestic deposits to total assets | 88.4428% | 1,235 |
| Equity capital to assets | 11.4397% | 2,378 |
| Core capital (leverage) ratio | 11.3167% | 2,112 |
| Tier 1 risk-based capital ratio | 34.8631% | 313 |
| Total risk-based capital ratio | 36.0905% | 303 |
| Memoranda: | ||
| Average total assets | $81,569,000 | 4,635 |
| Average earning assets | $75,894,670 | 4,614 |
| Average equity | $8,859,330 | 4,704 |
| Average total loans | $13,862,000 | 5,574 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8315% | 5,582 |
| Cost of funding earning assets | 0.3294% | 3,750 |
| Net interest margin | 2.5022% | 5,544 |
| Noninterest income to average assets | 0.2566% | 4,697 |
| Noninterest expense to average assets | 1.6875% | 5,485 |
| Loan and lease loss provision to assets | 0.1036% | 1,843 |
| Net operating income to assets | 0.8141% | 3,161 |
| Return on assets (ROA) | 0.8141% | 3,215 |
| Pretax return on assets | 0.7895% | 4,146 |
| Return on Equity (ROE) | 7.7049% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.7049% | 1,574 |
| Net charge-offs to loans | 0.8828% | 193 |
| Credit loss provision to net charge-offs | 72.4138% | 1,816 |
| Earnings coverage of net charge-offs (x) | 6.2414% | 2,226 |
| Efficiency ratio | 65.3920% | 3,595 |
| Assets per employee ($millions) | 6.7484% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2626% | 435 |
| Loan loss allowance to noncurrent loans | 73.4644% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5026% | 3,208 |
| Noncurrent loans to loans | 3.0798% | 440 |
| Net loans and leases to total assets | 15.9494% | 5,778 |
| Net loans and leases to deposits | 17.8837% | 5,782 |
| Net loans and leases to core deposits | 18.6394% | 5,778 |
| Total domestic deposits to total assets | 89.1839% | 1,059 |
| Equity capital to assets | 10.8025% | 2,853 |
| Core capital (leverage) ratio | 11.2620% | 2,133 |
| Tier 1 risk-based capital ratio | 36.1285% | 296 |
| Total risk-based capital ratio | 37.3163% | 293 |
| Memoranda: | ||
| Average total assets | $81,067,500 | 4,697 |
| Average earning assets | $75,295,000 | 4,671 |
| Average equity | $8,566,000 | 4,802 |
| Average total loans | $13,140,500 | 5,654 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6339% | 5,716 |
| Cost of funding earning assets | 0.3326% | 3,720 |
| Net interest margin | 2.3014% | 5,710 |
| Noninterest income to average assets | 0.2382% | 4,993 |
| Noninterest expense to average assets | 1.7307% | 5,535 |
| Loan and lease loss provision to assets | 0.1221% | 2,020 |
| Net operating income to assets | 0.5948% | 4,223 |
| Return on assets (ROA) | 0.6571% | 4,086 |
| Pretax return on assets | 0.6092% | 4,762 |
| Return on Equity (ROE) | 5.8624% | 4,048 |
| Retained earnings to average equity (ytd only) | 2.9792% | 3,778 |
| Net charge-offs to loans | 0.7597% | 274 |
| Credit loss provision to net charge-offs | 100.9901% | 2,541 |
| Earnings coverage of net charge-offs (x) | 5.5347% | 3,321 |
| Efficiency ratio | 72.1197% | 2,571 |
| Assets per employee ($millions) | 6.7613% | 1,024 |
| Cash dividends to net income (ytd only)* | 49.1803% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3496% | 373 |
| Loan loss allowance to noncurrent loans | 60.4331% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 0.6261% | 2,851 |
| Noncurrent loans to loans | 3.8880% | 276 |
| Net loans and leases to total assets | 15.7254% | 5,838 |
| Net loans and leases to deposits | 17.5362% | 5,842 |
| Net loans and leases to core deposits | 18.3422% | 5,843 |
| Total domestic deposits to total assets | 89.6741% | 779 |
| Equity capital to assets | 10.3111% | 3,373 |
| Core capital (leverage) ratio | 10.8805% | 2,458 |
| Tier 1 risk-based capital ratio | 35.3960% | 306 |
| Total risk-based capital ratio | 36.6153% | 304 |
| Memoranda: | ||
| Average total assets | $83,551,000 | 4,658 |
| Average earning assets | $78,475,600 | 4,617 |
| Average equity | $9,364,800 | 4,674 |
| Average total loans | $13,295,000 | 5,705 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6608% | 5,776 |
| Cost of funding earning assets | 0.3278% | 3,800 |
| Net interest margin | 2.3330% | 5,759 |
| Noninterest income to average assets | 0.3042% | 4,594 |
| Noninterest expense to average assets | 1.6018% | 5,687 |
| Loan and lease loss provision to assets | 0.1362% | 1,724 |
| Net operating income to assets | 0.7668% | 3,527 |
| Return on assets (ROA) | 0.8159% | 3,428 |
| Pretax return on assets | 0.8144% | 4,267 |
| Return on Equity (ROE) | 7.1418% | 3,480 |
| Retained earnings to average equity (ytd only) | 7.1418% | 1,552 |
| Net charge-offs to loans | 0.6890% | 272 |
| Credit loss provision to net charge-offs | 124.6377% | 2,032 |
| Earnings coverage of net charge-offs (x) | 8.2462% | 2,790 |
| Efficiency ratio | 63.9873% | 3,936 |
| Assets per employee ($millions) | 6.8899% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4344% | 356 |
| Loan loss allowance to noncurrent loans | 69.1649% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 3,217 |
| Noncurrent loans to loans | 3.5197% | 363 |
| Net loans and leases to total assets | 15.6569% | 5,906 |
| Net loans and leases to deposits | 17.8367% | 5,910 |
| Net loans and leases to core deposits | 18.7280% | 5,907 |
| Total domestic deposits to total assets | 87.7792% | 1,514 |
| Equity capital to assets | 11.8676% | 2,207 |
| Core capital (leverage) ratio | 10.8916% | 2,576 |
| Tier 1 risk-based capital ratio | 36.9362% | 291 |
| Total risk-based capital ratio | 38.1798% | 286 |
| Memoranda: | ||
| Average total assets | $84,154,750 | 4,680 |
| Average earning assets | $79,322,500 | 4,639 |
| Average equity | $9,614,500 | 4,692 |
| Average total loans | $13,352,250 | 5,763 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5872% | 5,877 |
| Cost of funding earning assets | 0.3218% | 3,878 |
| Net interest margin | 2.2653% | 5,878 |
| Noninterest income to average assets | 0.3237% | 4,470 |
| Noninterest expense to average assets | 1.5854% | 5,770 |
| Loan and lease loss provision to assets | 0.1630% | 1,386 |
| Net operating income to assets | 0.7119% | 3,737 |
| Return on assets (ROA) | 0.7844% | 3,532 |
| Pretax return on assets | 0.7939% | 4,305 |
| Return on Equity (ROE) | 6.9538% | 3,574 |
| Retained earnings to average equity (ytd only) | 6.9538% | 1,629 |
| Net charge-offs to loans | 1.0015% | 185 |
| Credit loss provision to net charge-offs | 102.9851% | 2,051 |
| Earnings coverage of net charge-offs (x) | 5.5821% | 2,842 |
| Efficiency ratio | 64.2105% | 3,983 |
| Assets per employee ($millions) | 7.0010% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3088% | 461 |
| Loan loss allowance to noncurrent loans | 41.3423% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 0.8868% | 2,382 |
| Noncurrent loans to loans | 5.5847% | 139 |
| Net loans and leases to total assets | 15.5121% | 5,983 |
| Net loans and leases to deposits | 17.6825% | 5,991 |
| Net loans and leases to core deposits | 18.4180% | 5,987 |
| Total domestic deposits to total assets | 87.7256% | 1,557 |
| Equity capital to assets | 11.7412% | 2,318 |
| Core capital (leverage) ratio | 10.5910% | 2,857 |
| Tier 1 risk-based capital ratio | 34.9200% | 335 |
| Total risk-based capital ratio | 36.1197% | 334 |
| Memoranda: | ||
| Average total assets | $84,646,670 | 4,711 |
| Average earning assets | $80,164,330 | 4,660 |
| Average equity | $9,548,670 | 4,735 |
| Average total loans | $13,380,330 | 5,832 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7031% | 5,907 |
| Cost of funding earning assets | 0.3236% | 3,908 |
| Net interest margin | 2.3795% | 5,888 |
| Noninterest income to average assets | 0.2448% | 4,986 |
| Noninterest expense to average assets | 1.5254% | 5,888 |
| Loan and lease loss provision to assets | 0.0706% | 2,540 |
| Net operating income to assets | 0.8485% | 2,994 |
| Return on assets (ROA) | 0.7909% | 3,398 |
| Pretax return on assets | 0.8380% | 4,069 |
| Return on Equity (ROE) | 7.1558% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.1558% | 1,816 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1321% | 4,582 |
| Assets per employee ($millions) | 7.1357% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4971% | 389 |
| Loan loss allowance to noncurrent loans | 35.7063% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 1.1445% | 1,921 |
| Noncurrent loans to loans | 6.9934% | 102 |
| Net loans and leases to total assets | 14.6377% | 6,044 |
| Net loans and leases to deposits | 16.5505% | 6,049 |
| Net loans and leases to core deposits | 17.1008% | 6,046 |
| Total domestic deposits to total assets | 88.4430% | 1,381 |
| Equity capital to assets | 11.0852% | 2,841 |
| Core capital (leverage) ratio | 10.3585% | 3,119 |
| Tier 1 risk-based capital ratio | 35.6186% | 319 |
| Total risk-based capital ratio | 36.8692% | 314 |
| Memoranda: | ||
| Average total assets | $84,964,000 | 4,751 |
| Average earning assets | $80,351,500 | 4,697 |
| Average equity | $9,391,000 | 4,782 |
| Average total loans | $13,400,500 | 5,889 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6531% | 5,948 |
| Cost of funding earning assets | 0.3477% | 3,724 |
| Net interest margin | 2.3054% | 5,942 |
| Noninterest income to average assets | 0.2413% | 5,154 |
| Noninterest expense to average assets | 1.5919% | 5,925 |
| Loan and lease loss provision to assets | 0.1360% | 1,746 |
| Net operating income to assets | 0.6057% | 4,243 |
| Return on assets (ROA) | 0.8215% | 3,319 |
| Pretax return on assets | 0.9268% | 3,741 |
| Return on Equity (ROE) | 7.9681% | 2,977 |
| Retained earnings to average equity (ytd only) | 6.4844% | 1,551 |
| Net charge-offs to loans | 0.6056% | 398 |
| Credit loss provision to net charge-offs | 127.6596% | 2,040 |
| Earnings coverage of net charge-offs (x) | 7.7021% | 3,047 |
| Efficiency ratio | 65.9934% | 3,905 |
| Assets per employee ($millions) | 7.0254% | 882 |
| Cash dividends to net income (ytd only)* | 18.6207% | 3,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1942% | 600 |
| Loan loss allowance to noncurrent loans | 34.0757% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.1613% | 1,869 |
| Noncurrent loans to loans | 6.4391% | 122 |
| Net loans and leases to total assets | 16.1793% | 6,096 |
| Net loans and leases to deposits | 18.2798% | 6,106 |
| Net loans and leases to core deposits | 18.9724% | 6,102 |
| Total domestic deposits to total assets | 88.5096% | 1,380 |
| Equity capital to assets | 11.0326% | 2,789 |
| Core capital (leverage) ratio | 10.1005% | 3,381 |
| Tier 1 risk-based capital ratio | 33.0125% | 395 |
| Total risk-based capital ratio | 34.1812% | 389 |
| Memoranda: | ||
| Average total assets | $88,258,400 | 4,705 |
| Average earning assets | $83,109,400 | 4,655 |
| Average equity | $9,098,800 | 4,824 |
| Average total loans | $15,522,600 | 5,881 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6601% | 6,035 |
| Cost of funding earning assets | 0.3506% | 3,750 |
| Net interest margin | 2.3095% | 6,030 |
| Noninterest income to average assets | 0.2405% | 5,208 |
| Noninterest expense to average assets | 1.4895% | 6,049 |
| Loan and lease loss provision to assets | 0.1345% | 1,672 |
| Net operating income to assets | 0.6754% | 4,008 |
| Return on assets (ROA) | 0.9472% | 2,828 |
| Pretax return on assets | 1.1115% | 3,168 |
| Return on Equity (ROE) | 9.3422% | 2,393 |
| Retained earnings to average equity (ytd only) | 9.3422% | 780 |
| Net charge-offs to loans | -0.0168% | 5,141 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6574% | 4,619 |
| Assets per employee ($millions) | 7.2379% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5154% | 424 |
| Loan loss allowance to noncurrent loans | 37.5758% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 1.1398% | 2,090 |
| Noncurrent loans to loans | 6.6942% | 108 |
| Net loans and leases to total assets | 16.5989% | 6,179 |
| Net loans and leases to deposits | 18.6587% | 6,196 |
| Net loans and leases to core deposits | 19.4703% | 6,187 |
| Total domestic deposits to total assets | 88.9609% | 1,045 |
| Equity capital to assets | 10.6235% | 3,445 |
| Core capital (leverage) ratio | 9.8396% | 3,844 |
| Tier 1 risk-based capital ratio | 31.8522% | 448 |
| Total risk-based capital ratio | 33.0987% | 443 |
| Memoranda: | ||
| Average total assets | $89,246,750 | 4,741 |
| Average earning assets | $84,055,250 | 4,692 |
| Average equity | $9,048,250 | 4,893 |
| Average total loans | $15,916,750 | 5,943 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6610% | 6,091 |
| Cost of funding earning assets | 0.3600% | 3,700 |
| Net interest margin | 2.3010% | 6,098 |
| Noninterest income to average assets | 0.2621% | 5,076 |
| Noninterest expense to average assets | 1.4726% | 6,129 |
| Loan and lease loss provision to assets | 0.1333% | 1,642 |
| Net operating income to assets | 0.7065% | 3,859 |
| Return on assets (ROA) | 1.1306% | 1,918 |
| Pretax return on assets | 1.3216% | 2,283 |
| Return on Equity (ROE) | 11.3254% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.3254% | 465 |
| Net charge-offs to loans | -0.0246% | 5,239 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4927% | 4,916 |
| Assets per employee ($millions) | 6.3101% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2033% | 730 |
| Loan loss allowance to noncurrent loans | 38.1271% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 1.0154% | 2,482 |
| Noncurrent loans to loans | 5.7789% | 172 |
| Net loans and leases to total assets | 17.1832% | 6,244 |
| Net loans and leases to deposits | 19.1921% | 6,262 |
| Net loans and leases to core deposits | 20.0050% | 6,253 |
| Total domestic deposits to total assets | 89.5327% | 884 |
| Equity capital to assets | 10.1492% | 3,867 |
| Core capital (leverage) ratio | 9.5423% | 4,223 |
| Tier 1 risk-based capital ratio | 31.9658% | 459 |
| Total risk-based capital ratio | 33.2164% | 452 |
| Memoranda: | ||
| Average total assets | $90,044,000 | 4,767 |
| Average earning assets | $85,005,670 | 4,708 |
| Average equity | $8,988,670 | 4,945 |
| Average total loans | $16,292,670 | 5,992 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7139% | 6,127 |
| Cost of funding earning assets | 0.3711% | 3,632 |
| Net interest margin | 2.3428% | 6,136 |
| Noninterest income to average assets | 0.2596% | 5,100 |
| Noninterest expense to average assets | 1.3246% | 6,271 |
| Loan and lease loss provision to assets | 0.1320% | 1,567 |
| Net operating income to assets | 0.9162% | 2,674 |
| Return on assets (ROA) | 1.7955% | 512 |
| Pretax return on assets | 2.0023% | 583 |
| Return on Equity (ROE) | 18.1333% | 375 |
| Retained earnings to average equity (ytd only) | 18.1333% | 140 |
| Net charge-offs to loans | -0.0240% | 5,130 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3688% | 5,723 |
| Assets per employee ($millions) | 6.5094% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9211% | 1,240 |
| Loan loss allowance to noncurrent loans | 60.6238% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 3,727 |
| Noncurrent loans to loans | 3.1688% | 648 |
| Net loans and leases to total assets | 17.4233% | 6,296 |
| Net loans and leases to deposits | 19.4631% | 6,310 |
| Net loans and leases to core deposits | 20.0667% | 6,310 |
| Total domestic deposits to total assets | 89.5195% | 987 |
| Equity capital to assets | 10.0174% | 4,126 |
| Core capital (leverage) ratio | 9.3096% | 4,557 |
| Tier 1 risk-based capital ratio | 31.3605% | 482 |
| Total risk-based capital ratio | 32.5131% | 482 |
| Memoranda: | ||
| Average total assets | $90,895,000 | 4,793 |
| Average earning assets | $86,222,500 | 4,712 |
| Average equity | $9,000,000 | 4,989 |
| Average total loans | $16,678,000 | 6,031 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8934% | 6,144 |
| Cost of funding earning assets | 0.4584% | 3,093 |
| Net interest margin | 2.4350% | 6,207 |
| Noninterest income to average assets | 0.2923% | 5,029 |
| Noninterest expense to average assets | 1.6073% | 6,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8858% | 2,945 |
| Return on assets (ROA) | 0.8390% | 3,275 |
| Pretax return on assets | 0.9241% | 3,805 |
| Return on Equity (ROE) | 9.0982% | 2,541 |
| Retained earnings to average equity (ytd only) | 7.4583% | 1,210 |
| Net charge-offs to loans | 0.0117% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 435.5000% | 120 |
| Efficiency ratio | 62.2290% | 4,873 |
| Assets per employee ($millions) | 6.4756% | 1,063 |
| Cash dividends to net income (ytd only)* | 18.0240% | 3,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 1,988 |
| Loan loss allowance to noncurrent loans | 47.2175% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 3,605 |
| Noncurrent loans to loans | 3.4543% | 599 |
| Net loans and leases to total assets | 18.6269% | 6,382 |
| Net loans and leases to deposits | 20.7822% | 6,397 |
| Net loans and leases to core deposits | 21.5643% | 6,395 |
| Total domestic deposits to total assets | 89.6293% | 911 |
| Equity capital to assets | 9.7828% | 4,382 |
| Core capital (leverage) ratio | 8.9973% | 5,009 |
| Tier 1 risk-based capital ratio | 28.1676% | 609 |
| Total risk-based capital ratio | 29.1471% | 610 |
| Memoranda: | ||
| Average total assets | $89,277,600 | 4,852 |
| Average earning assets | $83,983,200 | 4,790 |
| Average equity | $8,232,400 | 5,140 |
| Average total loans | $17,101,200 | 6,081 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8947% | 6,207 |
| Cost of funding earning assets | 0.4689% | 3,059 |
| Net interest margin | 2.4258% | 6,279 |
| Noninterest income to average assets | 0.3043% | 5,010 |
| Noninterest expense to average assets | 1.5007% | 6,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9818% | 2,535 |
| Return on assets (ROA) | 0.9190% | 2,920 |
| Pretax return on assets | 1.0150% | 3,538 |
| Return on Equity (ROE) | 10.1237% | 2,157 |
| Retained earnings to average equity (ytd only) | 10.1237% | 672 |
| Net charge-offs to loans | 0.0234% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 240.9950% | 275 |
| Efficiency ratio | 58.0626% | 5,436 |
| Assets per employee ($millions) | 6.0320% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6555% | 2,118 |
| Loan loss allowance to noncurrent loans | 58.4906% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 0.5272% | 4,294 |
| Noncurrent loans to loans | 2.8304% | 975 |
| Net loans and leases to total assets | 18.3179% | 6,471 |
| Net loans and leases to deposits | 20.3737% | 6,487 |
| Net loans and leases to core deposits | 21.1371% | 6,480 |
| Total domestic deposits to total assets | 89.9094% | 783 |
| Equity capital to assets | 9.6154% | 4,653 |
| Core capital (leverage) ratio | 9.0354% | 5,027 |
| Tier 1 risk-based capital ratio | 29.2041% | 565 |
| Total risk-based capital ratio | 30.2162% | 572 |
| Memoranda: | ||
| Average total assets | $88,932,250 | 4,919 |
| Average earning assets | $83,600,250 | 4,852 |
| Average equity | $8,073,250 | 5,226 |
| Average total loans | $17,084,750 | 6,146 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9367% | 6,233 |
| Cost of funding earning assets | 0.4806% | 3,022 |
| Net interest margin | 2.4561% | 6,315 |
| Noninterest income to average assets | 0.2918% | 5,087 |
| Noninterest expense to average assets | 1.5404% | 6,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9890% | 2,367 |
| Return on assets (ROA) | 0.8912% | 2,950 |
| Pretax return on assets | 0.9478% | 3,689 |
| Return on Equity (ROE) | 10.0199% | 2,144 |
| Retained earnings to average equity (ytd only) | 10.0199% | 713 |
| Net charge-offs to loans | -0.0117% | 5,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4241% | 5,368 |
| Assets per employee ($millions) | 5.8808% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6355% | 2,342 |
| Loan loss allowance to noncurrent loans | 53.8023% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 4,189 |
| Noncurrent loans to loans | 3.0398% | 944 |
| Net loans and leases to total assets | 19.2956% | 6,521 |
| Net loans and leases to deposits | 21.4327% | 6,538 |
| Net loans and leases to core deposits | 22.3273% | 6,532 |
| Total domestic deposits to total assets | 90.0286% | 795 |
| Equity capital to assets | 9.5565% | 4,681 |
| Core capital (leverage) ratio | 8.8580% | 5,221 |
| Tier 1 risk-based capital ratio | 27.9285% | 649 |
| Total risk-based capital ratio | 28.9377% | 647 |
| Memoranda: | ||
| Average total assets | $88,416,330 | 4,963 |
| Average earning assets | $82,814,330 | 4,909 |
| Average equity | $7,864,330 | 5,300 |
| Average total loans | $17,162,000 | 6,193 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9496% | 6,285 |
| Cost of funding earning assets | 0.4851% | 3,061 |
| Net interest margin | 2.4645% | 6,360 |
| Noninterest income to average assets | 0.2892% | 5,058 |
| Noninterest expense to average assets | 1.4099% | 6,555 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2065% | 1,471 |
| Return on assets (ROA) | 0.8541% | 2,946 |
| Pretax return on assets | 0.8224% | 4,017 |
| Return on Equity (ROE) | 9.9716% | 2,054 |
| Retained earnings to average equity (ytd only) | 9.9716% | 973 |
| Net charge-offs to loans | -0.0468% | 5,776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5455% | 5,967 |
| Assets per employee ($millions) | 6.0469% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6649% | 2,456 |
| Loan loss allowance to noncurrent loans | 49.4774% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 0.6328% | 4,234 |
| Noncurrent loans to loans | 3.3650% | 897 |
| Net loans and leases to total assets | 18.4931% | 6,603 |
| Net loans and leases to deposits | 20.2443% | 6,620 |
| Net loans and leases to core deposits | 20.9832% | 6,607 |
| Total domestic deposits to total assets | 91.3499% | 437 |
| Equity capital to assets | 8.6270% | 5,519 |
| Core capital (leverage) ratio | 8.6162% | 5,507 |
| Tier 1 risk-based capital ratio | 27.3516% | 690 |
| Total risk-based capital ratio | 28.3701% | 692 |
| Memoranda: | ||
| Average total assets | $88,518,500 | 5,007 |
| Average earning assets | $82,451,000 | 4,959 |
| Average equity | $7,581,500 | 5,399 |
| Average total loans | $17,091,000 | 6,254 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1130% | 6,700 |
| Cost of funding earning assets | 0.4808% | 3,807 |
| Net interest margin | 1.6321% | 6,707 |
| Noninterest income to average assets | 0.2436% | 5,599 |
| Noninterest expense to average assets | 1.3324% | 6,668 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4748% | 4,844 |
| Return on assets (ROA) | 0.4748% | 4,988 |
| Pretax return on assets | 0.4547% | 5,342 |
| Return on Equity (ROE) | 6.5756% | 3,787 |
| Retained earnings to average equity (ytd only) | 5.3801% | 2,364 |
| Net charge-offs to loans | 0.0637% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 43.0909% | 888 |
| Efficiency ratio | 74.5572% | 3,039 |
| Assets per employee ($millions) | 5.7555% | 1,438 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6468% | 2,582 |
| Loan loss allowance to noncurrent loans | 56.2874% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 4,496 |
| Noncurrent loans to loans | 2.9257% | 1,195 |
| Net loans and leases to total assets | 19.5082% | 6,673 |
| Net loans and leases to deposits | 21.3263% | 6,695 |
| Net loans and leases to core deposits | 22.0142% | 6,690 |
| Total domestic deposits to total assets | 91.4749% | 410 |
| Equity capital to assets | 8.4996% | 5,585 |
| Core capital (leverage) ratio | 7.8397% | 6,223 |
| Tier 1 risk-based capital ratio | 26.3372% | 745 |
| Total risk-based capital ratio | 27.3362% | 746 |
| Memoranda: | ||
| Average total assets | $104,248,600 | 4,636 |
| Average earning assets | $98,582,200 | 4,549 |
| Average equity | $7,527,800 | 5,454 |
| Average total loans | $17,257,400 | 6,310 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9480% | 6,801 |
| Cost of funding earning assets | 0.4815% | 3,951 |
| Net interest margin | 1.4665% | 6,810 |
| Noninterest income to average assets | 0.2269% | 5,807 |
| Noninterest expense to average assets | 1.2067% | 6,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4243% | 5,140 |
| Return on assets (ROA) | 0.4243% | 5,286 |
| Pretax return on assets | 0.4169% | 5,585 |
| Return on Equity (ROE) | 6.0898% | 4,141 |
| Retained earnings to average equity (ytd only) | 6.0898% | 2,353 |
| Net charge-offs to loans | 0.0231% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 113.3300% | 451 |
| Efficiency ratio | 74.3202% | 3,009 |
| Assets per employee ($millions) | 5.3164% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6460% | 2,814 |
| Loan loss allowance to noncurrent loans | 44.8916% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 4,207 |
| Noncurrent loans to loans | 3.6667% | 1,009 |
| Net loans and leases to total assets | 20.3708% | 6,744 |
| Net loans and leases to deposits | 22.2659% | 6,774 |
| Net loans and leases to core deposits | 22.7664% | 6,770 |
| Total domestic deposits to total assets | 91.4887% | 373 |
| Equity capital to assets | 8.4890% | 5,744 |
| Core capital (leverage) ratio | 7.1374% | 6,561 |
| Tier 1 risk-based capital ratio | 26.7237% | 728 |
| Total risk-based capital ratio | 27.7744% | 731 |
| Memoranda: | ||
| Average total assets | $108,727,500 | 4,564 |
| Average earning assets | $103,555,000 | 4,460 |
| Average equity | $7,575,250 | 5,500 |
| Average total loans | $17,290,750 | 6,374 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8102% | 6,858 |
| Cost of funding earning assets | 0.4669% | 4,240 |
| Net interest margin | 1.3433% | 6,869 |
| Noninterest income to average assets | 0.2092% | 5,945 |
| Noninterest expense to average assets | 1.1182% | 6,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4116% | 5,171 |
| Return on assets (ROA) | 0.4116% | 5,335 |
| Pretax return on assets | 0.3790% | 5,682 |
| Return on Equity (ROE) | 6.2392% | 4,027 |
| Retained earnings to average equity (ytd only) | 6.2392% | 2,300 |
| Net charge-offs to loans | 0.0349% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 73.6667% | 611 |
| Efficiency ratio | 74.6850% | 2,995 |
| Assets per employee ($millions) | 6.2861% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6785% | 2,863 |
| Loan loss allowance to noncurrent loans | 39.0836% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 4,369 |
| Noncurrent loans to loans | 4.2947% | 854 |
| Net loans and leases to total assets | 16.8894% | 6,829 |
| Net loans and leases to deposits | 18.2143% | 6,850 |
| Net loans and leases to core deposits | 20.5853% | 6,836 |
| Total domestic deposits to total assets | 92.7260% | 152 |
| Equity capital to assets | 7.2481% | 6,527 |
| Core capital (leverage) ratio | 6.4623% | 6,702 |
| Tier 1 risk-based capital ratio | 25.9440% | 780 |
| Total risk-based capital ratio | 26.9791% | 782 |
| Memoranda: | ||
| Average total assets | $116,615,670 | 4,430 |
| Average earning assets | $111,810,330 | 4,296 |
| Average equity | $7,693,330 | 5,518 |
| Average total loans | $17,181,670 | 6,419 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7616% | 6,940 |
| Cost of funding earning assets | 0.4412% | 4,693 |
| Net interest margin | 1.3204% | 6,952 |
| Noninterest income to average assets | 0.2022% | 6,034 |
| Noninterest expense to average assets | 0.9949% | 6,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4782% | 4,781 |
| Return on assets (ROA) | 0.4782% | 4,947 |
| Pretax return on assets | 0.4750% | 5,342 |
| Return on Equity (ROE) | 7.5491% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.5491% | 1,921 |
| Net charge-offs to loans | 0.0700% | 3,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 49.3333% | 679 |
| Efficiency ratio | 67.6856% | 4,371 |
| Assets per employee ($millions) | 8.2925% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 3,098 |
| Loan loss allowance to noncurrent loans | 53.7037% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 5,299 |
| Noncurrent loans to loans | 3.1257% | 1,588 |
| Net loans and leases to total assets | 13.6557% | 6,930 |
| Net loans and leases to deposits | 14.6335% | 6,944 |
| Net loans and leases to core deposits | 16.9313% | 6,931 |
| Total domestic deposits to total assets | 93.3177% | 100 |
| Equity capital to assets | 6.3551% | 6,802 |
| Core capital (leverage) ratio | 5.7600% | 6,824 |
| Tier 1 risk-based capital ratio | 25.7469% | 815 |
| Total risk-based capital ratio | 26.7869% | 823 |
| Memoranda: | ||
| Average total assets | $124,634,500 | 4,291 |
| Average earning assets | $119,664,000 | 4,158 |
| Average equity | $7,895,000 | 5,515 |
| Average total loans | $17,134,000 | 6,480 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3536% | 6,961 |
| Cost of funding earning assets | 0.5477% | 4,837 |
| Net interest margin | 1.8059% | 6,964 |
| Noninterest income to average assets | 0.1991% | 5,998 |
| Noninterest expense to average assets | 1.1258% | 6,991 |
| Loan and lease loss provision to assets | 0.2096% | 3,047 |
| Net operating income to assets | 0.5046% | 4,676 |
| Return on assets (ROA) | 0.6804% | 4,100 |
| Pretax return on assets | 0.7931% | 4,318 |
| Return on Equity (ROE) | 10.2503% | 2,072 |
| Retained earnings to average equity (ytd only) | 9.0660% | 801 |
| Net charge-offs to loans | 1.4026% | 651 |
| Credit loss provision to net charge-offs | 104.8035% | 2,847 |
| Earnings coverage of net charge-offs (x) | 3.9913% | 3,523 |
| Efficiency ratio | 58.5111% | 5,764 |
| Assets per employee ($millions) | 7.8051% | 550 |
| Cash dividends to net income (ytd only)* | 11.5533% | 4,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7243% | 2,840 |
| Loan loss allowance to noncurrent loans | 38.8079% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 4,962 |
| Noncurrent loans to loans | 4.4433% | 968 |
| Net loans and leases to total assets | 13.3719% | 6,992 |
| Net loans and leases to deposits | 14.3382% | 7,004 |
| Net loans and leases to core deposits | 16.5289% | 6,987 |
| Total domestic deposits to total assets | 93.2608% | 105 |
| Equity capital to assets | 6.3140% | 6,862 |
| Core capital (leverage) ratio | 6.1618% | 6,835 |
| Tier 1 risk-based capital ratio | 25.0445% | 848 |
| Total risk-based capital ratio | 26.0882% | 860 |
| Memoranda: | ||
| Average total assets | $114,494,400 | 4,478 |
| Average earning assets | $109,363,000 | 4,356 |
| Average equity | $7,599,800 | 5,612 |
| Average total loans | $16,327,000 | 6,582 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4962% | 7,049 |
| Cost of funding earning assets | 0.5716% | 4,899 |
| Net interest margin | 1.9246% | 7,057 |
| Noninterest income to average assets | 0.1954% | 6,128 |
| Noninterest expense to average assets | 1.0760% | 7,104 |
| Loan and lease loss provision to assets | 0.2145% | 2,924 |
| Net operating income to assets | 0.6390% | 4,197 |
| Return on assets (ROA) | 0.8317% | 3,540 |
| Pretax return on assets | 0.9663% | 3,839 |
| Return on Equity (ROE) | 12.3616% | 1,506 |
| Retained earnings to average equity (ytd only) | 12.3616% | 470 |
| Net charge-offs to loans | 0.2062% | 3,496 |
| Credit loss provision to net charge-offs | 720.0000% | 383 |
| Earnings coverage of net charge-offs (x) | 32.1224% | 1,044 |
| Efficiency ratio | 52.9308% | 6,360 |
| Assets per employee ($millions) | 7.5911% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5733% | 1,113 |
| Loan loss allowance to noncurrent loans | 44.3655% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 0.9522% | 4,376 |
| Noncurrent loans to loans | 5.8003% | 720 |
| Net loans and leases to total assets | 15.5681% | 7,071 |
| Net loans and leases to deposits | 17.0060% | 7,094 |
| Net loans and leases to core deposits | 20.3278% | 7,077 |
| Total domestic deposits to total assets | 91.5446% | 277 |
| Equity capital to assets | 7.7629% | 6,688 |
| Core capital (leverage) ratio | 6.3268% | 6,911 |
| Tier 1 risk-based capital ratio | 23.6997% | 1,063 |
| Total risk-based capital ratio | 24.9790% | 1,038 |
| Memoranda: | ||
| Average total assets | $111,897,750 | 4,590 |
| Average earning assets | $106,824,250 | 4,469 |
| Average equity | $7,528,500 | 5,687 |
| Average total loans | $16,160,750 | 6,675 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5904% | 7,105 |
| Cost of funding earning assets | 0.5697% | 5,152 |
| Net interest margin | 2.0207% | 7,102 |
| Noninterest income to average assets | 0.1863% | 6,238 |
| Noninterest expense to average assets | 1.0741% | 7,174 |
| Loan and lease loss provision to assets | 0.2109% | 2,967 |
| Net operating income to assets | 0.7173% | 3,771 |
| Return on assets (ROA) | 1.0002% | 2,685 |
| Pretax return on assets | 1.1532% | 3,108 |
| Return on Equity (ROE) | 15.6147% | 834 |
| Retained earnings to average equity (ytd only) | 15.6147% | 249 |
| Net charge-offs to loans | 0.3273% | 2,724 |
| Credit loss provision to net charge-offs | 461.5385% | 650 |
| Earnings coverage of net charge-offs (x) | 22.7308% | 1,281 |
| Efficiency ratio | 50.8319% | 6,588 |
| Assets per employee ($millions) | 7.8723% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2547% | 1,665 |
| Loan loss allowance to noncurrent loans | 47.5949% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 4,942 |
| Noncurrent loans to loans | 4.7373% | 1,082 |
| Net loans and leases to total assets | 14.7897% | 7,146 |
| Net loans and leases to deposits | 15.9444% | 7,164 |
| Net loans and leases to core deposits | 18.8719% | 7,146 |
| Total domestic deposits to total assets | 92.7576% | 143 |
| Equity capital to assets | 6.8550% | 6,934 |
| Core capital (leverage) ratio | 6.0744% | 6,983 |
| Tier 1 risk-based capital ratio | 22.7216% | 1,169 |
| Total risk-based capital ratio | 23.9578% | 1,156 |
| Memoranda: | ||
| Average total assets | $113,772,000 | 4,571 |
| Average earning assets | $108,479,330 | 4,451 |
| Average equity | $7,288,000 | 5,762 |
| Average total loans | $15,887,000 | 6,742 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6126% | 7,153 |
| Cost of funding earning assets | 0.5632% | 5,407 |
| Net interest margin | 2.0494% | 7,152 |
| Noninterest income to average assets | 0.1627% | 6,410 |
| Noninterest expense to average assets | 1.0939% | 7,236 |
| Loan and lease loss provision to assets | 0.2077% | 2,872 |
| Net operating income to assets | 0.6898% | 3,932 |
| Return on assets (ROA) | 1.2220% | 1,863 |
| Pretax return on assets | 1.4470% | 2,030 |
| Return on Equity (ROE) | 19.7358% | 403 |
| Retained earnings to average equity (ytd only) | 19.7358% | 198 |
| Net charge-offs to loans | 0.6971% | 1,429 |
| Credit loss provision to net charge-offs | 222.2222% | 1,252 |
| Earnings coverage of net charge-offs (x) | 10.9259% | 1,714 |
| Efficiency ratio | 51.7185% | 6,566 |
| Assets per employee ($millions) | 8.2186% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9935% | 2,378 |
| Loan loss allowance to noncurrent loans | 41.1227% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 4,728 |
| Noncurrent loans to loans | 4.8478% | 1,169 |
| Net loans and leases to total assets | 13.4591% | 7,214 |
| Net loans and leases to deposits | 14.3788% | 7,229 |
| Net loans and leases to core deposits | 16.8540% | 7,217 |
| Total domestic deposits to total assets | 93.6033% | 107 |
| Equity capital to assets | 6.1385% | 7,061 |
| Core capital (leverage) ratio | 5.7939% | 7,059 |
| Tier 1 risk-based capital ratio | 19.0524% | 1,974 |
| Total risk-based capital ratio | 19.9488% | 2,046 |
| Memoranda: | ||
| Average total assets | $115,552,000 | 4,551 |
| Average earning assets | $110,081,500 | 4,437 |
| Average equity | $7,154,500 | 5,823 |
| Average total loans | $15,492,500 | 6,821 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5990% | 7,247 |
| Cost of funding earning assets | 0.6804% | 5,658 |
| Net interest margin | 1.9187% | 7,238 |
| Noninterest income to average assets | 0.2175% | 5,963 |
| Noninterest expense to average assets | 1.3915% | 7,218 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5884% | 4,061 |
| Return on assets (ROA) | 0.7155% | 3,586 |
| Pretax return on assets | 0.7989% | 3,982 |
| Return on Equity (ROE) | 10.5668% | 1,855 |
| Retained earnings to average equity (ytd only) | 9.2159% | 745 |
| Net charge-offs to loans | 0.2078% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 19.6061% | 1,163 |
| Efficiency ratio | 67.9067% | 4,381 |
| Assets per employee ($millions) | 7.7363% | 519 |
| Cash dividends to net income (ytd only)* | 12.7841% | 3,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8572% | 2,687 |
| Loan loss allowance to noncurrent loans | 208.8889% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 6,104 |
| Noncurrent loans to loans | 0.8891% | 4,910 |
| Net loans and leases to total assets | 12.8417% | 7,273 |
| Net loans and leases to deposits | 13.7651% | 7,283 |
| Net loans and leases to core deposits | 16.1068% | 7,272 |
| Total domestic deposits to total assets | 93.2913% | 124 |
| Equity capital to assets | 6.2442% | 7,067 |
| Core capital (leverage) ratio | 6.4087% | 6,995 |
| Tier 1 risk-based capital ratio | 18.4276% | 2,069 |
| Total risk-based capital ratio | 19.2457% | 2,166 |
| Memoranda: | ||
| Average total assets | $98,386,200 | 4,937 |
| Average earning assets | $93,919,600 | 4,812 |
| Average equity | $6,662,400 | 5,968 |
| Average total loans | $15,877,200 | 6,858 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5117% | 7,343 |
| Cost of funding earning assets | 0.7166% | 5,670 |
| Net interest margin | 1.7951% | 7,336 |
| Noninterest income to average assets | 0.2142% | 6,078 |
| Noninterest expense to average assets | 1.3748% | 7,286 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5604% | 4,270 |
| Return on assets (ROA) | 0.5604% | 4,441 |
| Pretax return on assets | 0.5562% | 4,948 |
| Return on Equity (ROE) | 8.0818% | 3,006 |
| Retained earnings to average equity (ytd only) | 8.0818% | 1,481 |
| Net charge-offs to loans | 0.0332% | 5,684 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 98.0582% | 371 |
| Efficiency ratio | 71.1976% | 3,703 |
| Assets per employee ($millions) | 6.8546% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9334% | 2,526 |
| Loan loss allowance to noncurrent loans | 108.7413% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 5,618 |
| Noncurrent loans to loans | 1.7779% | 3,670 |
| Net loans and leases to total assets | 16.4385% | 7,330 |
| Net loans and leases to deposits | 17.8365% | 7,346 |
| Net loans and leases to core deposits | 19.9709% | 7,328 |
| Total domestic deposits to total assets | 92.1616% | 190 |
| Equity capital to assets | 7.3517% | 6,968 |
| Core capital (leverage) ratio | 6.5613% | 7,062 |
| Tier 1 risk-based capital ratio | 20.6867% | 1,524 |
| Total risk-based capital ratio | 21.7358% | 1,540 |
| Memoranda: | ||
| Average total assets | $93,971,750 | 5,102 |
| Average earning assets | $89,872,250 | 4,958 |
| Average equity | $6,516,500 | 6,054 |
| Average total loans | $16,050,500 | 6,911 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5673% | 7,411 |
| Cost of funding earning assets | 0.7287% | 5,784 |
| Net interest margin | 1.8386% | 7,399 |
| Noninterest income to average assets | 0.2122% | 6,150 |
| Noninterest expense to average assets | 1.4040% | 7,355 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6066% | 4,032 |
| Return on assets (ROA) | 0.6066% | 4,165 |
| Pretax return on assets | 0.5659% | 4,854 |
| Return on Equity (ROE) | 8.9317% | 2,546 |
| Retained earnings to average equity (ytd only) | 8.9317% | 1,131 |
| Net charge-offs to loans | 0.0499% | 5,155 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 500 |
| Efficiency ratio | 71.2731% | 3,885 |
| Assets per employee ($millions) | 6.4323% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 2,990 |
| Loan loss allowance to noncurrent loans | 110.2837% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6363% | 5,642 |
| Noncurrent loans to loans | 1.6322% | 3,958 |
| Net loans and leases to total assets | 18.8402% | 7,383 |
| Net loans and leases to deposits | 20.4213% | 7,402 |
| Net loans and leases to core deposits | 22.3313% | 7,392 |
| Total domestic deposits to total assets | 92.2578% | 190 |
| Equity capital to assets | 7.3924% | 6,998 |
| Core capital (leverage) ratio | 6.5284% | 7,120 |
| Tier 1 risk-based capital ratio | 19.6996% | 1,671 |
| Total risk-based capital ratio | 20.7172% | 1,693 |
| Memoranda: | ||
| Average total assets | $93,307,670 | 5,157 |
| Average earning assets | $89,197,670 | 5,018 |
| Average equity | $6,337,000 | 6,129 |
| Average total loans | $16,038,670 | 6,978 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5951% | 7,467 |
| Cost of funding earning assets | 0.7170% | 6,042 |
| Net interest margin | 1.8782% | 7,436 |
| Noninterest income to average assets | 0.2022% | 6,281 |
| Noninterest expense to average assets | 1.3946% | 7,415 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6236% | 3,902 |
| Return on assets (ROA) | 0.6236% | 3,969 |
| Pretax return on assets | 0.6067% | 4,658 |
| Return on Equity (ROE) | 9.5839% | 2,252 |
| Retained earnings to average equity (ytd only) | 9.5839% | 1,214 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6842% | 4,340 |
| Assets per employee ($millions) | 6.7431% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0621% | 2,263 |
| Loan loss allowance to noncurrent loans | 168.4492% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 6,082 |
| Noncurrent loans to loans | 1.2241% | 4,637 |
| Net loans and leases to total assets | 15.8480% | 7,469 |
| Net loans and leases to deposits | 17.0230% | 7,485 |
| Net loans and leases to core deposits | 18.7020% | 7,471 |
| Total domestic deposits to total assets | 93.0977% | 130 |
| Equity capital to assets | 6.6439% | 7,175 |
| Core capital (leverage) ratio | 6.2000% | 7,219 |
| Tier 1 risk-based capital ratio | 19.6396% | 1,665 |
| Total risk-based capital ratio | 20.6907% | 1,677 |
| Memoranda: | ||
| Average total assets | $94,935,500 | 5,139 |
| Average earning assets | $90,939,000 | 5,010 |
| Average equity | $6,177,000 | 6,188 |
| Average total loans | $15,419,500 | 7,068 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1819% | 7,467 |
| Cost of funding earning assets | 1.0382% | 5,494 |
| Net interest margin | 2.1437% | 7,415 |
| Noninterest income to average assets | 0.2965% | 5,671 |
| Noninterest expense to average assets | 1.6705% | 7,365 |
| Loan and lease loss provision to assets | 0.0603% | 6,542 |
| Net operating income to assets | 0.5709% | 3,800 |
| Return on assets (ROA) | 0.7135% | 3,306 |
| Pretax return on assets | 0.7528% | 3,789 |
| Return on Equity (ROE) | 8.9526% | 2,310 |
| Retained earnings to average equity (ytd only) | 7.5634% | 1,128 |
| Net charge-offs to loans | 0.0251% | 6,559 |
| Credit loss provision to net charge-offs | 1,225.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 134.7500% | 185 |
| Efficiency ratio | 71.5867% | 3,870 |
| Assets per employee ($millions) | 6.8191% | 811 |
| Cash dividends to net income (ytd only)* | 15.5172% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0240% | 2,241 |
| Loan loss allowance to noncurrent loans | 212.8378% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 6,248 |
| Noncurrent loans to loans | 0.9510% | 5,149 |
| Net loans and leases to total assets | 15.9718% | 7,556 |
| Net loans and leases to deposits | 17.0970% | 7,573 |
| Net loans and leases to core deposits | 18.6831% | 7,557 |
| Total domestic deposits to total assets | 93.4187% | 114 |
| Equity capital to assets | 6.3707% | 7,279 |
| Core capital (leverage) ratio | 7.0638% | 6,991 |
| Tier 1 risk-based capital ratio | 19.4484% | 1,605 |
| Total risk-based capital ratio | 20.5131% | 1,623 |
| Memoranda: | ||
| Average total assets | $81,292,200 | 5,557 |
| Average earning assets | $77,250,400 | 5,440 |
| Average equity | $6,478,600 | 6,208 |
| Average total loans | $15,935,600 | 7,125 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3717% | 7,569 |
| Cost of funding earning assets | 1.1384% | 5,206 |
| Net interest margin | 2.2333% | 7,506 |
| Noninterest income to average assets | 0.2315% | 6,237 |
| Noninterest expense to average assets | 1.6857% | 7,446 |
| Loan and lease loss provision to assets | 0.0755% | 6,295 |
| Net operating income to assets | 0.5899% | 3,921 |
| Return on assets (ROA) | 0.7991% | 3,160 |
| Pretax return on assets | 0.7957% | 3,925 |
| Return on Equity (ROE) | 9.4458% | 2,335 |
| Retained earnings to average equity (ytd only) | 9.4458% | 924 |
| Net charge-offs to loans | 0.0083% | 6,550 |
| Credit loss provision to net charge-offs | 4,400.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 386.9549% | 82 |
| Efficiency ratio | 71.8042% | 3,738 |
| Assets per employee ($millions) | 6.1776% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8855% | 2,527 |
| Loan loss allowance to noncurrent loans | 122.7451% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.7487% | 5,607 |
| Noncurrent loans to loans | 1.5361% | 4,337 |
| Net loans and leases to total assets | 21.9706% | 7,596 |
| Net loans and leases to deposits | 24.2905% | 7,632 |
| Net loans and leases to core deposits | 27.6599% | 7,601 |
| Total domestic deposits to total assets | 90.4493% | 659 |
| Equity capital to assets | 8.9220% | 5,682 |
| Core capital (leverage) ratio | 7.4623% | 6,870 |
| Tier 1 risk-based capital ratio | 22.1595% | 1,184 |
| Total risk-based capital ratio | 23.3699% | 1,158 |
| Memoranda: | ||
| Average total assets | $77,748,250 | 5,726 |
| Average earning assets | $73,669,500 | 5,616 |
| Average equity | $6,577,750 | 6,249 |
| Average total loans | $16,028,750 | 7,209 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4601% | 7,618 |
| Cost of funding earning assets | 1.1702% | 5,287 |
| Net interest margin | 2.2898% | 7,540 |
| Noninterest income to average assets | 0.2457% | 6,155 |
| Noninterest expense to average assets | 1.6744% | 7,520 |
| Loan and lease loss provision to assets | 0.0735% | 6,213 |
| Net operating income to assets | 0.6642% | 3,562 |
| Return on assets (ROA) | 0.9702% | 2,380 |
| Pretax return on assets | 0.9829% | 3,186 |
| Return on Equity (ROE) | 11.6667% | 1,537 |
| Retained earnings to average equity (ytd only) | 11.6667% | 539 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1423% | 4,351 |
| Assets per employee ($millions) | 5.7723% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8786% | 2,476 |
| Loan loss allowance to noncurrent loans | 153.3333% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.6596% | 5,844 |
| Noncurrent loans to loans | 1.2252% | 4,917 |
| Net loans and leases to total assets | 20.8116% | 7,676 |
| Net loans and leases to deposits | 22.8730% | 7,710 |
| Net loans and leases to core deposits | 27.9359% | 7,678 |
| Total domestic deposits to total assets | 90.9875% | 487 |
| Equity capital to assets | 8.4848% | 6,177 |
| Core capital (leverage) ratio | 7.2682% | 7,019 |
| Tier 1 risk-based capital ratio | 22.0207% | 1,195 |
| Total risk-based capital ratio | 23.1867% | 1,190 |
| Memoranda: | ||
| Average total assets | $78,954,000 | 5,728 |
| Average earning assets | $75,027,330 | 5,604 |
| Average equity | $6,565,670 | 6,279 |
| Average total loans | $15,838,330 | 7,268 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4188% | 7,729 |
| Cost of funding earning assets | 1.1656% | 5,573 |
| Net interest margin | 2.2532% | 7,621 |
| Noninterest income to average assets | 0.2225% | 6,376 |
| Noninterest expense to average assets | 1.4979% | 7,712 |
| Loan and lease loss provision to assets | 0.0692% | 5,946 |
| Net operating income to assets | 0.7712% | 3,099 |
| Return on assets (ROA) | 0.7712% | 3,218 |
| Pretax return on assets | 0.7959% | 3,881 |
| Return on Equity (ROE) | 9.3623% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.3623% | 1,301 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3891% | 5,602 |
| Assets per employee ($millions) | 6.1808% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 2,633 |
| Loan loss allowance to noncurrent loans | 166.0819% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 5,900 |
| Noncurrent loans to loans | 1.1028% | 5,151 |
| Net loans and leases to total assets | 18.9446% | 7,799 |
| Net loans and leases to deposits | 20.7526% | 7,828 |
| Net loans and leases to core deposits | 27.2235% | 7,775 |
| Total domestic deposits to total assets | 91.2881% | 444 |
| Equity capital to assets | 8.3995% | 6,159 |
| Core capital (leverage) ratio | 7.6022% | 6,733 |
| Tier 1 risk-based capital ratio | 23.5643% | 1,006 |
| Total risk-based capital ratio | 24.6523% | 999 |
| Memoranda: | ||
| Average total assets | $80,911,000 | 5,739 |
| Average earning assets | $76,869,500 | 5,608 |
| Average equity | $6,665,000 | 6,303 |
| Average total loans | $15,799,500 | 7,359 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 7,733 |
| Cost of funding earning assets | 1.2521% | 6,465 |
| Net interest margin | 2.6389% | 7,294 |
| Noninterest income to average assets | 0.2753% | 6,138 |
| Noninterest expense to average assets | 1.6644% | 7,726 |
| Loan and lease loss provision to assets | 0.0362% | 7,179 |
| Net operating income to assets | 0.9679% | 1,951 |
| Return on assets (ROA) | 0.9679% | 2,007 |
| Pretax return on assets | 1.1075% | 2,223 |
| Return on Equity (ROE) | 12.5633% | 1,042 |
| Retained earnings to average equity (ytd only) | 11.0537% | 279 |
| Net charge-offs to loans | 0.1271% | 5,921 |
| Credit loss provision to net charge-offs | 140.0000% | 3,483 |
| Earnings coverage of net charge-offs (x) | 44.2500% | 566 |
| Efficiency ratio | 59.2729% | 6,587 |
| Assets per employee ($millions) | 6.2671% | 1,099 |
| Cash dividends to net income (ytd only)* | 12.0160% | 3,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 2,973 |
| Loan loss allowance to noncurrent loans | 49.0018% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 5,769 |
| Noncurrent loans to loans | 3.4238% | 2,224 |
| Net loans and leases to total assets | 19.4214% | 7,872 |
| Net loans and leases to deposits | 21.1965% | 7,902 |
| Net loans and leases to core deposits | 34.1654% | 7,833 |
| Total domestic deposits to total assets | 91.6253% | 342 |
| Equity capital to assets | 8.0776% | 6,495 |
| Core capital (leverage) ratio | 7.9218% | 6,299 |
| Tier 1 risk-based capital ratio | 22.4759% | 1,096 |
| Total risk-based capital ratio | 23.4882% | 1,101 |
| Memoranda: | ||
| Average total assets | $77,383,800 | 5,797 |
| Average earning assets | $74,272,800 | 5,666 |
| Average equity | $5,961,800 | 6,617 |
| Average total loans | $15,729,600 | 7,415 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0510% | 7,786 |
| Cost of funding earning assets | 1.3026% | 6,552 |
| Net interest margin | 2.7485% | 7,136 |
| Noninterest income to average assets | 0.2619% | 6,358 |
| Noninterest expense to average assets | 1.5959% | 7,832 |
| Loan and lease loss provision to assets | 0.0192% | 7,159 |
| Net operating income to assets | 1.1541% | 1,576 |
| Return on assets (ROA) | 1.1541% | 1,638 |
| Pretax return on assets | 1.2921% | 1,972 |
| Return on Equity (ROE) | 15.1767% | 750 |
| Retained earnings to average equity (ytd only) | 15.1767% | 154 |
| Net charge-offs to loans | 0.1705% | 5,027 |
| Credit loss provision to net charge-offs | 55.0000% | 6,243 |
| Earnings coverage of net charge-offs (x) | 37.5444% | 786 |
| Efficiency ratio | 54.8949% | 7,127 |
| Assets per employee ($millions) | 5.5692% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 3,057 |
| Loan loss allowance to noncurrent loans | 45.6679% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8290% | 5,434 |
| Noncurrent loans to loans | 3.4690% | 2,156 |
| Net loans and leases to total assets | 23.5179% | 7,905 |
| Net loans and leases to deposits | 26.2519% | 7,945 |
| Net loans and leases to core deposits | 37.0326% | 7,887 |
| Total domestic deposits to total assets | 89.5855% | 928 |
| Equity capital to assets | 9.9506% | 4,153 |
| Core capital (leverage) ratio | 7.9638% | 6,425 |
| Tier 1 risk-based capital ratio | 25.3648% | 866 |
| Total risk-based capital ratio | 26.4349% | 857 |
| Memoranda: | ||
| Average total assets | $76,361,750 | 5,868 |
| Average earning assets | $73,494,000 | 5,737 |
| Average equity | $5,807,000 | 6,732 |
| Average total loans | $15,638,750 | 7,486 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0658% | 7,883 |
| Cost of funding earning assets | 1.3022% | 6,800 |
| Net interest margin | 2.7636% | 7,079 |
| Noninterest income to average assets | 0.2364% | 6,592 |
| Noninterest expense to average assets | 1.3930% | 8,012 |
| Loan and lease loss provision to assets | 0.0277% | 6,965 |
| Net operating income to assets | 1.3151% | 1,196 |
| Return on assets (ROA) | 1.3151% | 1,268 |
| Pretax return on assets | 1.4785% | 1,504 |
| Return on Equity (ROE) | 18.9287% | 407 |
| Retained earnings to average equity (ytd only) | 18.9287% | 91 |
| Net charge-offs to loans | 0.0644% | 5,601 |
| Credit loss provision to net charge-offs | 220.0000% | 2,091 |
| Earnings coverage of net charge-offs (x) | 119.8000% | 320 |
| Efficiency ratio | 48.0486% | 7,750 |
| Assets per employee ($millions) | 6.0358% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6948% | 2,373 |
| Loan loss allowance to noncurrent loans | 40.9160% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 0.9043% | 5,167 |
| Noncurrent loans to loans | 4.1422% | 1,607 |
| Net loans and leases to total assets | 21.4624% | 8,023 |
| Net loans and leases to deposits | 23.4617% | 8,052 |
| Net loans and leases to core deposits | 32.9972% | 8,010 |
| Total domestic deposits to total assets | 91.4786% | 329 |
| Equity capital to assets | 8.3641% | 6,250 |
| Core capital (leverage) ratio | 7.3662% | 7,169 |
| Tier 1 risk-based capital ratio | 24.0725% | 1,027 |
| Total risk-based capital ratio | 25.1613% | 1,023 |
| Memoranda: | ||
| Average total assets | $79,539,000 | 5,814 |
| Average earning assets | $76,639,000 | 5,650 |
| Average equity | $5,526,000 | 6,889 |
| Average total loans | $15,528,330 | 7,562 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 7,945 |
| Cost of funding earning assets | 1.2882% | 7,052 |
| Net interest margin | 2.8110% | 6,969 |
| Noninterest income to average assets | 0.1829% | 6,984 |
| Noninterest expense to average assets | 1.3190% | 8,071 |
| Loan and lease loss provision to assets | 0.0144% | 6,669 |
| Net operating income to assets | 1.2901% | 1,404 |
| Return on assets (ROA) | 1.2901% | 1,498 |
| Pretax return on assets | 1.5597% | 1,511 |
| Return on Equity (ROE) | 20.3802% | 398 |
| Retained earnings to average equity (ytd only) | 20.3802% | 156 |
| Net charge-offs to loans | 0.0780% | 4,394 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 402 |
| Efficiency ratio | 45.5907% | 7,863 |
| Assets per employee ($millions) | 6.3058% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6984% | 2,154 |
| Loan loss allowance to noncurrent loans | 227.8261% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 7,160 |
| Noncurrent loans to loans | 0.7455% | 5,565 |
| Net loans and leases to total assets | 18.4983% | 8,100 |
| Net loans and leases to deposits | 19.9779% | 8,136 |
| Net loans and leases to core deposits | 26.7344% | 8,107 |
| Total domestic deposits to total assets | 92.5941% | 111 |
| Equity capital to assets | 7.1412% | 7,603 |
| Core capital (leverage) ratio | 6.7442% | 7,784 |
| Tier 1 risk-based capital ratio | 20.7594% | 1,484 |
| Total risk-based capital ratio | 21.7299% | 1,497 |
| Memoranda: | ||
| Average total assets | $83,094,000 | 5,703 |
| Average earning assets | $80,113,000 | 5,545 |
| Average equity | $5,260,000 | 7,032 |
| Average total loans | $15,386,000 | 7,615 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7383% | 7,963 |
| Cost of funding earning assets | 1.8903% | 6,755 |
| Net interest margin | 2.8480% | 7,259 |
| Noninterest income to average assets | 0.3657% | 5,785 |
| Noninterest expense to average assets | 1.6091% | 7,956 |
| Loan and lease loss provision to assets | 0.0183% | 7,158 |
| Net operating income to assets | 1.1467% | 1,964 |
| Return on assets (ROA) | 1.1829% | 1,764 |
| Pretax return on assets | 1.5120% | 1,649 |
| Return on Equity (ROE) | 19.5309% | 413 |
| Retained earnings to average equity (ytd only) | 17.4408% | 54 |
| Net charge-offs to loans | 0.0481% | 6,101 |
| Credit loss provision to net charge-offs | 185.7143% | 2,666 |
| Earnings coverage of net charge-offs (x) | 150.7143% | 304 |
| Efficiency ratio | 52.0236% | 7,486 |
| Assets per employee ($millions) | 6.4779% | 899 |
| Cash dividends to net income (ytd only)* | 10.7015% | 4,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7073% | 1,885 |
| Loan loss allowance to noncurrent loans | 272.9167% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 7,120 |
| Noncurrent loans to loans | 0.6256% | 5,495 |
| Net loans and leases to total assets | 17.9117% | 8,170 |
| Net loans and leases to deposits | 18.9772% | 8,197 |
| Net loans and leases to core deposits | 24.7709% | 8,182 |
| Total domestic deposits to total assets | 94.3857% | 23 |
| Equity capital to assets | 5.5407% | 8,130 |
| Core capital (leverage) ratio | 6.3817% | 7,970 |
| Tier 1 risk-based capital ratio | 16.8195% | 2,377 |
| Total risk-based capital ratio | 17.7766% | 2,409 |
| Memoranda: | ||
| Average total assets | $71,097,400 | 5,995 |
| Average earning assets | $68,082,800 | 5,897 |
| Average equity | $4,306,000 | 7,388 |
| Average total loans | $14,542,400 | 7,675 |