Home > First State Bank of Warner, S. Dak. > Performance and Condition Ratios
First State Bank of Warner, S. Dak., Performance and Condition Ratios
| 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 | 5.6602% | 252 |
| Cost of funding earning assets | 0.6649% | 1,840 |
| Net interest margin | 4.9953% | 246 |
| Noninterest income to average assets | 0.5559% | 2,546 |
| Noninterest expense to average assets | 2.5744% | 3,400 |
| Loan and lease loss provision to assets | 1.0017% | 80 |
| Net operating income to assets | 1.3899% | 1,472 |
| Return on assets (ROA) | 1.3899% | 1,473 |
| Pretax return on assets | 1.4575% | 1,965 |
| Return on Equity (ROE) | 9.8605% | 2,628 |
| Retained earnings to average equity (ytd only) | 9.8605% | 960 |
| Net charge-offs to loans | -0.0487% | 4,916 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9204% | 5,212 |
| Assets per employee ($millions) | 7.5307% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6069% | 5,094 |
| Loan loss allowance to noncurrent loans | 27.8539% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 1.8506% | 612 |
| Noncurrent loans to loans | 2.1787% | 650 |
| Net loans and leases to total assets | 84.4250% | 417 |
| Net loans and leases to deposits | 120.2517% | 101 |
| Net loans and leases to core deposits | 124.3727% | 447 |
| Total domestic deposits to total assets | 70.2069% | 5,270 |
| Equity capital to assets | 13.8451% | 973 |
| Core capital (leverage) ratio | 10.9927% | 2,532 |
| Tier 1 risk-based capital ratio | 11.3691% | 4,856 |
| Total risk-based capital ratio | 11.9376% | 5,093 |
| Memoranda: | ||
| Average total assets | $79,864,330 | 4,517 |
| Average earning assets | $71,587,670 | 4,559 |
| Average equity | $11,257,000 | 4,192 |
| Average total loans | $65,688,000 | 4,025 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7861% | 187 |
| Cost of funding earning assets | 0.5740% | 2,223 |
| Net interest margin | 5.2121% | 156 |
| Noninterest income to average assets | 0.3879% | 3,551 |
| Noninterest expense to average assets | 2.7457% | 2,888 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1384% | 271 |
| Return on assets (ROA) | 2.1384% | 273 |
| Pretax return on assets | 2.2762% | 335 |
| Return on Equity (ROE) | 15.0300% | 799 |
| Retained earnings to average equity (ytd only) | 15.0300% | 327 |
| Net charge-offs to loans | -0.0505% | 4,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2886% | 5,122 |
| Assets per employee ($millions) | 7.1350% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0293% | 5,553 |
| Loan loss allowance to noncurrent loans | 1.5188% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 1.5939% | 853 |
| Noncurrent loans to loans | 1.9261% | 845 |
| Net loans and leases to total assets | 82.7292% | 569 |
| Net loans and leases to deposits | 106.6069% | 359 |
| Net loans and leases to core deposits | 110.2658% | 989 |
| Total domestic deposits to total assets | 77.6021% | 4,787 |
| Equity capital to assets | 14.4448% | 784 |
| Core capital (leverage) ratio | 10.7950% | 2,635 |
| Tier 1 risk-based capital ratio | 11.8351% | 4,660 |
| Total risk-based capital ratio | 11.8620% | 5,217 |
| Memoranda: | ||
| Average total assets | $78,377,500 | 4,598 |
| Average earning assets | $69,684,500 | 4,647 |
| Average equity | $11,151,000 | 4,255 |
| Average total loans | $63,350,500 | 4,120 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3932% | 5,578 |
| Cost of funding earning assets | 0.1222% | 5,399 |
| Net interest margin | 2.2710% | 5,516 |
| Noninterest income to average assets | 0.0994% | 5,415 |
| Noninterest expense to average assets | 1.3752% | 5,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7589% | 3,353 |
| Return on assets (ROA) | 0.7589% | 3,390 |
| Pretax return on assets | 0.7848% | 4,292 |
| Return on Equity (ROE) | 6.0566% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.0566% | 1,512 |
| Net charge-offs to loans | -0.0196% | 4,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8667% | 4,544 |
| Assets per employee ($millions) | 7.1155% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0178% | 5,617 |
| Loan loss allowance to noncurrent loans | 0.9675% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 1.4527% | 963 |
| Noncurrent loans to loans | 1.8412% | 861 |
| Net loans and leases to total assets | 78.8821% | 1,143 |
| Net loans and leases to deposits | 95.6483% | 1,117 |
| Net loans and leases to core deposits | 97.6436% | 1,888 |
| Total domestic deposits to total assets | 82.4709% | 3,738 |
| Equity capital to assets | 14.0092% | 909 |
| Core capital (leverage) ratio | 11.9603% | 1,624 |
| Tier 1 risk-based capital ratio | 12.1735% | 4,416 |
| Total risk-based capital ratio | 12.1897% | 5,063 |
| Memoranda: | ||
| Average total assets | $69,446,800 | 4,784 |
| Average earning assets | $63,011,800 | 4,804 |
| Average equity | $8,701,200 | 4,664 |
| Average total loans | $56,062,800 | 4,287 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4204% | 5,706 |
| Cost of funding earning assets | 0.0713% | 5,637 |
| Net interest margin | 1.3490% | 5,696 |
| Noninterest income to average assets | 0.0714% | 5,555 |
| Noninterest expense to average assets | 0.6603% | 5,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6702% | 4,120 |
| Return on assets (ROA) | 0.6702% | 4,178 |
| Pretax return on assets | 0.6484% | 4,730 |
| Return on Equity (ROE) | 5.5396% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.5396% | 2,515 |
| Net charge-offs to loans | -0.0098% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1515% | 5,442 |
| Assets per employee ($millions) | 6.3732% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0072% | 5,685 |
| Loan loss allowance to noncurrent loans | 0.2654% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 2.1496% | 578 |
| Noncurrent loans to loans | 2.7019% | 529 |
| Net loans and leases to total assets | 79.5550% | 1,049 |
| Net loans and leases to deposits | 96.2233% | 1,098 |
| Net loans and leases to core deposits | 99.3480% | 1,764 |
| Total domestic deposits to total assets | 82.6774% | 3,556 |
| Equity capital to assets | 15.4069% | 646 |
| Core capital (leverage) ratio | 11.9584% | 1,714 |
| Tier 1 risk-based capital ratio | 13.0587% | 3,969 |
| Total risk-based capital ratio | 13.0652% | 4,627 |
| Memoranda: | ||
| Average total assets | $67,241,000 | 4,879 |
| Average earning assets | $61,672,250 | 4,874 |
| Average equity | $8,135,250 | 4,818 |
| Average total loans | $54,640,500 | 4,375 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1530% | 430 |
| Cost of funding earning assets | 0.3906% | 3,170 |
| Net interest margin | 4.7623% | 350 |
| Noninterest income to average assets | 0.9263% | 1,194 |
| Noninterest expense to average assets | 4.5077% | 318 |
| Loan and lease loss provision to assets | 0.1961% | 944 |
| Net operating income to assets | 0.5884% | 4,355 |
| Return on assets (ROA) | 0.5884% | 4,408 |
| Pretax return on assets | 0.6366% | 4,728 |
| Return on Equity (ROE) | 5.3818% | 4,321 |
| Retained earnings to average equity (ytd only) | -2.8979% | 5,422 |
| Net charge-offs to loans | -0.0442% | 5,120 |
| Credit loss provision to net charge-offs | -541.6667% | 4,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4068% | 810 |
| Assets per employee ($millions) | 6.2235% | 1,303 |
| Cash dividends to net income (ytd only)* | 153.8462% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 1,810 |
| Loan loss allowance to noncurrent loans | 28.5714% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 4.3223% | 150 |
| Noncurrent loans to loans | 5.0100% | 152 |
| Net loans and leases to total assets | 82.4815% | 606 |
| Net loans and leases to deposits | 109.2841% | 279 |
| Net loans and leases to core deposits | 113.2741% | 833 |
| Total domestic deposits to total assets | 75.4744% | 5,148 |
| Equity capital to assets | 10.5289% | 3,302 |
| Core capital (leverage) ratio | 10.7666% | 2,632 |
| Tier 1 risk-based capital ratio | 11.3904% | 5,025 |
| Total risk-based capital ratio | 12.6400% | 4,921 |
| Memoranda: | ||
| Average total assets | $66,286,330 | 4,928 |
| Average earning assets | $61,440,330 | 4,912 |
| Average equity | $7,246,670 | 4,974 |
| Average total loans | $54,262,000 | 4,411 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2171% | 371 |
| Cost of funding earning assets | 0.3513% | 3,514 |
| Net interest margin | 4.8658% | 278 |
| Noninterest income to average assets | 0.6933% | 2,002 |
| Noninterest expense to average assets | 3.3129% | 1,362 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7975% | 449 |
| Return on assets (ROA) | 1.7975% | 463 |
| Pretax return on assets | 1.8834% | 667 |
| Return on Equity (ROE) | 16.1299% | 511 |
| Retained earnings to average equity (ytd only) | -0.3854% | 4,979 |
| Net charge-offs to loans | -0.0227% | 4,813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7544% | 3,877 |
| Assets per employee ($millions) | 5.8264% | 1,624 |
| Cash dividends to net income (ytd only)* | 102.3891% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4536% | 1,857 |
| Loan loss allowance to noncurrent loans | 132.2695% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.8800% | 2,100 |
| Noncurrent loans to loans | 1.0989% | 1,863 |
| Net loans and leases to total assets | 78.9140% | 994 |
| Net loans and leases to deposits | 90.1678% | 1,514 |
| Net loans and leases to core deposits | 93.1864% | 2,049 |
| Total domestic deposits to total assets | 87.5191% | 1,978 |
| Equity capital to assets | 11.3543% | 2,302 |
| Core capital (leverage) ratio | 10.9345% | 2,433 |
| Tier 1 risk-based capital ratio | 12.7145% | 4,248 |
| Total risk-based capital ratio | 13.9653% | 4,149 |
| Memoranda: | ||
| Average total assets | $65,200,000 | 5,001 |
| Average earning assets | $60,340,000 | 4,993 |
| Average equity | $7,266,000 | 5,015 |
| Average total loans | $52,750,000 | 4,489 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9735% | 626 |
| Cost of funding earning assets | 0.3274% | 3,770 |
| Net interest margin | 4.6460% | 463 |
| Noninterest income to average assets | 0.8777% | 1,488 |
| Noninterest expense to average assets | 3.0789% | 2,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.0707% | 275 |
| Return on assets (ROA) | 2.0707% | 288 |
| Pretax return on assets | 2.1189% | 384 |
| Return on Equity (ROE) | 19.2875% | 251 |
| Retained earnings to average equity (ytd only) | 6.9163% | 1,264 |
| Net charge-offs to loans | 0.0216% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 493 |
| Efficiency ratio | 59.2349% | 4,696 |
| Assets per employee ($millions) | 6.0282% | 1,463 |
| Cash dividends to net income (ytd only)* | 64.1410% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 2,217 |
| Loan loss allowance to noncurrent loans | 131.2721% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 2,214 |
| Noncurrent loans to loans | 1.0447% | 1,987 |
| Net loans and leases to total assets | 80.5836% | 796 |
| Net loans and leases to deposits | 91.5971% | 1,501 |
| Net loans and leases to core deposits | 94.5351% | 2,053 |
| Total domestic deposits to total assets | 87.9762% | 1,641 |
| Equity capital to assets | 10.9410% | 2,674 |
| Core capital (leverage) ratio | 10.8841% | 2,452 |
| Tier 1 risk-based capital ratio | 12.0282% | 4,712 |
| Total risk-based capital ratio | 13.2653% | 4,600 |
| Memoranda: | ||
| Average total assets | $64,373,400 | 5,041 |
| Average earning assets | $59,857,400 | 5,023 |
| Average equity | $6,911,200 | 5,106 |
| Average total loans | $51,044,000 | 4,549 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0190% | 581 |
| Cost of funding earning assets | 0.3204% | 3,865 |
| Net interest margin | 4.6985% | 432 |
| Noninterest income to average assets | 1.0998% | 939 |
| Noninterest expense to average assets | 2.9863% | 2,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.4166% | 178 |
| Return on assets (ROA) | 2.4166% | 187 |
| Pretax return on assets | 2.4897% | 223 |
| Return on Equity (ROE) | 22.6213% | 140 |
| Retained earnings to average equity (ytd only) | 7.3842% | 1,447 |
| Net charge-offs to loans | 0.0637% | 2,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 49.7072% | 1,078 |
| Efficiency ratio | 54.5351% | 5,195 |
| Assets per employee ($millions) | 5.9042% | 1,514 |
| Cash dividends to net income (ytd only)* | 67.3573% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 2,419 |
| Loan loss allowance to noncurrent loans | 129.4326% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.8684% | 2,379 |
| Noncurrent loans to loans | 1.0460% | 2,148 |
| Net loans and leases to total assets | 81.9019% | 636 |
| Net loans and leases to deposits | 99.5322% | 735 |
| Net loans and leases to core deposits | 102.7071% | 1,434 |
| Total domestic deposits to total assets | 82.2868% | 3,846 |
| Equity capital to assets | 11.2062% | 2,793 |
| Core capital (leverage) ratio | 11.1083% | 2,348 |
| Tier 1 risk-based capital ratio | 12.2011% | 4,676 |
| Total risk-based capital ratio | 13.4514% | 4,564 |
| Memoranda: | ||
| Average total assets | $63,889,250 | 5,099 |
| Average earning assets | $59,506,250 | 5,079 |
| Average equity | $6,825,250 | 5,171 |
| Average total loans | $50,260,500 | 4,603 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9590% | 637 |
| Cost of funding earning assets | 0.3085% | 4,032 |
| Net interest margin | 4.6505% | 458 |
| Noninterest income to average assets | 0.6673% | 2,293 |
| Noninterest expense to average assets | 3.0565% | 2,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8918% | 403 |
| Return on assets (ROA) | 1.8918% | 422 |
| Pretax return on assets | 1.9296% | 658 |
| Return on Equity (ROE) | 18.0093% | 355 |
| Retained earnings to average equity (ytd only) | -4.4649% | 5,723 |
| Net charge-offs to loans | 0.1183% | 1,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 21.1379% | 1,694 |
| Efficiency ratio | 61.3005% | 4,461 |
| Assets per employee ($millions) | 5.4821% | 1,811 |
| Cash dividends to net income (ytd only)* | 124.7920% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 1,977 |
| Loan loss allowance to noncurrent loans | 125.0000% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.9618% | 2,226 |
| Noncurrent loans to loans | 1.1774% | 1,953 |
| Net loans and leases to total assets | 80.4902% | 829 |
| Net loans and leases to deposits | 91.6676% | 1,558 |
| Net loans and leases to core deposits | 94.1571% | 2,153 |
| Total domestic deposits to total assets | 87.8066% | 1,524 |
| Equity capital to assets | 11.2150% | 2,832 |
| Core capital (leverage) ratio | 10.5034% | 2,972 |
| Tier 1 risk-based capital ratio | 12.3983% | 4,594 |
| Total risk-based capital ratio | 13.6499% | 4,509 |
| Memoranda: | ||
| Average total assets | $63,537,000 | 5,159 |
| Average earning assets | $59,004,330 | 5,138 |
| Average equity | $6,674,330 | 5,254 |
| Average total loans | $49,040,000 | 4,678 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0068% | 572 |
| Cost of funding earning assets | 0.3117% | 4,039 |
| Net interest margin | 4.6951% | 425 |
| Noninterest income to average assets | 0.5525% | 2,792 |
| Noninterest expense to average assets | 3.1188% | 2,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7988% | 466 |
| Return on assets (ROA) | 1.7988% | 498 |
| Pretax return on assets | 1.7804% | 877 |
| Return on Equity (ROE) | 17.6772% | 385 |
| Retained earnings to average equity (ytd only) | -27.5716% | 6,015 |
| Net charge-offs to loans | -0.0409% | 5,228 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6591% | 4,178 |
| Assets per employee ($millions) | 5.7844% | 1,594 |
| Cash dividends to net income (ytd only)* | 255.9727% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 1,556 |
| Loan loss allowance to noncurrent loans | 109.8408% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.0860% | 2,039 |
| Noncurrent loans to loans | 1.4728% | 1,598 |
| Net loans and leases to total assets | 72.5451% | 1,945 |
| Net loans and leases to deposits | 80.9566% | 2,676 |
| Net loans and leases to core deposits | 82.9929% | 3,047 |
| Total domestic deposits to total assets | 89.6099% | 778 |
| Equity capital to assets | 10.0773% | 3,979 |
| Core capital (leverage) ratio | 9.3750% | 4,389 |
| Tier 1 risk-based capital ratio | 11.7593% | 5,073 |
| Total risk-based capital ratio | 13.0121% | 4,977 |
| Memoranda: | ||
| Average total assets | $65,154,000 | 5,177 |
| Average earning assets | $60,318,500 | 5,149 |
| Average equity | $6,630,000 | 5,296 |
| Average total loans | $48,928,500 | 4,709 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1147% | 501 |
| Cost of funding earning assets | 0.2876% | 4,391 |
| Net interest margin | 4.8271% | 348 |
| Noninterest income to average assets | 0.6965% | 2,218 |
| Noninterest expense to average assets | 3.0621% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.9388% | 384 |
| Return on assets (ROA) | 1.9388% | 395 |
| Pretax return on assets | 2.0546% | 482 |
| Return on Equity (ROE) | 19.1722% | 292 |
| Retained earnings to average equity (ytd only) | 14.6224% | 143 |
| Net charge-offs to loans | -0.0743% | 5,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8450% | 4,926 |
| Assets per employee ($millions) | 6.0618% | 1,338 |
| Cash dividends to net income (ytd only)* | 23.7316% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 2,102 |
| Loan loss allowance to noncurrent loans | 2,154.2857% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 5,462 |
| Noncurrent loans to loans | 0.0687% | 5,241 |
| Net loans and leases to total assets | 75.2624% | 1,529 |
| Net loans and leases to deposits | 84.1875% | 2,340 |
| Net loans and leases to core deposits | 89.7555% | 2,423 |
| Total domestic deposits to total assets | 89.3986% | 912 |
| Equity capital to assets | 10.2699% | 3,662 |
| Core capital (leverage) ratio | 10.3232% | 3,132 |
| Tier 1 risk-based capital ratio | 11.3493% | 5,349 |
| Total risk-based capital ratio | 12.5993% | 5,241 |
| Memoranda: | ||
| Average total assets | $63,028,400 | 5,242 |
| Average earning assets | $57,715,600 | 5,247 |
| Average equity | $6,373,800 | 5,362 |
| Average total loans | $49,792,400 | 4,677 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2186% | 428 |
| Cost of funding earning assets | 0.2806% | 4,552 |
| Net interest margin | 4.9380% | 293 |
| Noninterest income to average assets | 0.8522% | 1,612 |
| Noninterest expense to average assets | 2.9235% | 2,771 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.3096% | 214 |
| Return on assets (ROA) | 2.3096% | 224 |
| Pretax return on assets | 2.4234% | 269 |
| Return on Equity (ROE) | 22.9348% | 166 |
| Retained earnings to average equity (ytd only) | 16.7534% | 111 |
| Net charge-offs to loans | -0.0781% | 5,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6768% | 5,467 |
| Assets per employee ($millions) | 5.4794% | 1,805 |
| Cash dividends to net income (ytd only)* | 26.9519% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 2,488 |
| Loan loss allowance to noncurrent loans | 37,300.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 5,808 |
| Noncurrent loans to loans | 0.0038% | 5,646 |
| Net loans and leases to total assets | 78.5987% | 1,008 |
| Net loans and leases to deposits | 95.8671% | 1,018 |
| Net loans and leases to core deposits | 102.9256% | 1,303 |
| Total domestic deposits to total assets | 81.9871% | 4,167 |
| Equity capital to assets | 10.1988% | 3,935 |
| Core capital (leverage) ratio | 10.2335% | 3,328 |
| Tier 1 risk-based capital ratio | 11.0480% | 5,636 |
| Total risk-based capital ratio | 12.2970% | 5,530 |
| Memoranda: | ||
| Average total assets | $62,115,500 | 5,338 |
| Average earning assets | $56,540,000 | 5,347 |
| Average equity | $6,255,250 | 5,446 |
| Average total loans | $49,505,750 | 4,735 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1069% | 493 |
| Cost of funding earning assets | 0.2584% | 4,853 |
| Net interest margin | 4.8485% | 330 |
| Noninterest income to average assets | 0.7060% | 2,187 |
| Noninterest expense to average assets | 3.0672% | 2,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9736% | 380 |
| Return on assets (ROA) | 1.9736% | 396 |
| Pretax return on assets | 2.0754% | 513 |
| Return on Equity (ROE) | 19.6888% | 288 |
| Retained earnings to average equity (ytd only) | 10.1884% | 631 |
| Net charge-offs to loans | -0.0824% | 5,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6424% | 5,028 |
| Assets per employee ($millions) | 5.6373% | 1,629 |
| Cash dividends to net income (ytd only)* | 48.2529% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 2,574 |
| Loan loss allowance to noncurrent loans | 36,850.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 5,905 |
| Noncurrent loans to loans | 0.0039% | 5,761 |
| Net loans and leases to total assets | 81.4014% | 621 |
| Net loans and leases to deposits | 93.5903% | 1,190 |
| Net loans and leases to core deposits | 100.4737% | 1,454 |
| Total domestic deposits to total assets | 86.9763% | 2,181 |
| Equity capital to assets | 10.0048% | 4,035 |
| Core capital (leverage) ratio | 9.8517% | 3,801 |
| Tier 1 risk-based capital ratio | 11.4328% | 5,507 |
| Total risk-based capital ratio | 12.6853% | 5,426 |
| Memoranda: | ||
| Average total assets | $60,903,000 | 5,421 |
| Average earning assets | $55,729,000 | 5,418 |
| Average equity | $6,105,000 | 5,526 |
| Average total loans | $48,532,000 | 4,805 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8309% | 806 |
| Cost of funding earning assets | 0.2339% | 5,176 |
| Net interest margin | 4.5970% | 500 |
| Noninterest income to average assets | 0.7026% | 2,153 |
| Noninterest expense to average assets | 3.1417% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6239% | 688 |
| Return on assets (ROA) | 1.6239% | 719 |
| Pretax return on assets | 1.7299% | 992 |
| Return on Equity (ROE) | 16.1836% | 546 |
| Retained earnings to average equity (ytd only) | 16.1836% | 209 |
| Net charge-offs to loans | -0.0763% | 5,727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4898% | 4,401 |
| Assets per employee ($millions) | 5.4148% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 2,213 |
| Loan loss allowance to noncurrent loans | 24,200.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 5,944 |
| Noncurrent loans to loans | 0.0064% | 5,783 |
| Net loans and leases to total assets | 77.1670% | 1,035 |
| Net loans and leases to deposits | 87.5152% | 1,671 |
| Net loans and leases to core deposits | 94.1363% | 1,755 |
| Total domestic deposits to total assets | 88.1755% | 1,721 |
| Equity capital to assets | 10.3840% | 3,677 |
| Core capital (leverage) ratio | 10.0286% | 3,558 |
| Tier 1 risk-based capital ratio | 12.2672% | 5,067 |
| Total risk-based capital ratio | 13.5204% | 4,972 |
| Memoranda: | ||
| Average total assets | $60,349,500 | 5,494 |
| Average earning assets | $54,731,000 | 5,498 |
| Average equity | $6,055,500 | 5,587 |
| Average total loans | $47,191,000 | 4,881 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0583% | 693 |
| Cost of funding earning assets | 0.2226% | 5,574 |
| Net interest margin | 4.8357% | 405 |
| Noninterest income to average assets | 0.6293% | 2,684 |
| Noninterest expense to average assets | 3.1192% | 2,457 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.9016% | 388 |
| Return on assets (ROA) | 1.9016% | 403 |
| Pretax return on assets | 1.9186% | 613 |
| Return on Equity (ROE) | 20.8046% | 212 |
| Retained earnings to average equity (ytd only) | 20.8046% | 60 |
| Net charge-offs to loans | -0.5577% | 6,406 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9160% | 4,930 |
| Assets per employee ($millions) | 5.5578% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 2,455 |
| Loan loss allowance to noncurrent loans | 17,925.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 6,061 |
| Noncurrent loans to loans | 0.0084% | 5,891 |
| Net loans and leases to total assets | 76.8385% | 1,153 |
| Net loans and leases to deposits | 89.7722% | 1,540 |
| Net loans and leases to core deposits | 96.5889% | 1,674 |
| Total domestic deposits to total assets | 85.5928% | 3,034 |
| Equity capital to assets | 9.6931% | 4,478 |
| Core capital (leverage) ratio | 10.0050% | 3,571 |
| Tier 1 risk-based capital ratio | 11.4559% | 5,685 |
| Total risk-based capital ratio | 12.7071% | 5,606 |
| Memoranda: | ||
| Average total assets | $58,636,200 | 5,580 |
| Average earning assets | $53,456,200 | 5,581 |
| Average equity | $5,359,400 | 5,775 |
| Average total loans | $44,468,800 | 5,018 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0318% | 727 |
| Cost of funding earning assets | 0.2200% | 5,670 |
| Net interest margin | 4.8118% | 415 |
| Noninterest income to average assets | 0.6780% | 2,436 |
| Noninterest expense to average assets | 3.0982% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9352% | 389 |
| Return on assets (ROA) | 1.9352% | 400 |
| Pretax return on assets | 2.0042% | 561 |
| Return on Equity (ROE) | 21.5158% | 208 |
| Retained earnings to average equity (ytd only) | 21.5158% | 57 |
| Net charge-offs to loans | -0.7237% | 6,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7207% | 5,085 |
| Assets per employee ($millions) | 5.2494% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 2,636 |
| Loan loss allowance to noncurrent loans | 14,120.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 6,159 |
| Noncurrent loans to loans | 0.0107% | 5,993 |
| Net loans and leases to total assets | 79.5231% | 770 |
| Net loans and leases to deposits | 94.1716% | 1,023 |
| Net loans and leases to core deposits | 101.8883% | 1,222 |
| Total domestic deposits to total assets | 84.4449% | 3,569 |
| Equity capital to assets | 9.7813% | 4,442 |
| Core capital (leverage) ratio | 9.5178% | 4,348 |
| Tier 1 risk-based capital ratio | 11.2734% | 5,883 |
| Total risk-based capital ratio | 12.5267% | 5,830 |
| Memoranda: | ||
| Average total assets | $58,011,250 | 5,663 |
| Average earning assets | $53,339,750 | 5,653 |
| Average equity | $5,217,750 | 5,870 |
| Average total loans | $43,662,750 | 5,103 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9785% | 784 |
| Cost of funding earning assets | 0.2166% | 5,780 |
| Net interest margin | 4.7619% | 439 |
| Noninterest income to average assets | 0.7332% | 2,128 |
| Noninterest expense to average assets | 3.0774% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0000% | 339 |
| Return on assets (ROA) | 2.0000% | 349 |
| Pretax return on assets | 2.0447% | 500 |
| Return on Equity (ROE) | 22.8996% | 166 |
| Retained earnings to average equity (ytd only) | 22.8996% | 58 |
| Net charge-offs to loans | -0.0844% | 6,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0806% | 5,285 |
| Assets per employee ($millions) | 5.3197% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 5,105 |
| Loan loss allowance to noncurrent loans | 244.0000% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 5,014 |
| Noncurrent loans to loans | 0.4313% | 4,689 |
| Net loans and leases to total assets | 78.4182% | 856 |
| Net loans and leases to deposits | 90.2117% | 1,351 |
| Net loans and leases to core deposits | 92.2780% | 1,922 |
| Total domestic deposits to total assets | 86.9269% | 2,491 |
| Equity capital to assets | 9.2298% | 5,069 |
| Core capital (leverage) ratio | 9.0189% | 4,991 |
| Tier 1 risk-based capital ratio | 11.0525% | 6,030 |
| Total risk-based capital ratio | 12.0738% | 6,068 |
| Memoranda: | ||
| Average total assets | $58,100,670 | 5,710 |
| Average earning assets | $53,550,000 | 5,700 |
| Average equity | $5,074,330 | 5,941 |
| Average total loans | $42,675,330 | 5,174 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 1,178 |
| Cost of funding earning assets | 0.2173% | 5,867 |
| Net interest margin | 4.5187% | 632 |
| Noninterest income to average assets | 0.7048% | 2,147 |
| Noninterest expense to average assets | 3.2681% | 2,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6513% | 618 |
| Return on assets (ROA) | 1.6513% | 646 |
| Pretax return on assets | 1.6030% | 1,166 |
| Return on Equity (ROE) | 19.4665% | 333 |
| Retained earnings to average equity (ytd only) | 19.4665% | 131 |
| Net charge-offs to loans | -0.0882% | 6,072 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0922% | 4,349 |
| Assets per employee ($millions) | 5.6095% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 4,894 |
| Loan loss allowance to noncurrent loans | 5,975.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 5,591 |
| Noncurrent loans to loans | 0.0192% | 6,110 |
| Net loans and leases to total assets | 66.8455% | 2,422 |
| Net loans and leases to deposits | 72.9816% | 3,206 |
| Net loans and leases to core deposits | 74.1439% | 3,628 |
| Total domestic deposits to total assets | 91.5923% | 354 |
| Equity capital to assets | 8.1566% | 5,942 |
| Core capital (leverage) ratio | 8.2534% | 5,892 |
| Tier 1 risk-based capital ratio | 11.1917% | 6,078 |
| Total risk-based capital ratio | 12.2751% | 6,095 |
| Memoranda: | ||
| Average total assets | $57,892,500 | 5,770 |
| Average earning assets | $53,378,500 | 5,751 |
| Average equity | $4,911,000 | 6,016 |
| Average total loans | $40,825,000 | 5,285 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 3,931 |
| Cost of funding earning assets | 0.3467% | 5,172 |
| Net interest margin | 3.7006% | 3,052 |
| Noninterest income to average assets | 0.5228% | 3,604 |
| Noninterest expense to average assets | 2.9857% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8796% | 2,882 |
| Return on assets (ROA) | 0.8528% | 3,094 |
| Pretax return on assets | 0.9064% | 3,741 |
| Return on Equity (ROE) | 11.4733% | 1,605 |
| Retained earnings to average equity (ytd only) | 11.4733% | 372 |
| Net charge-offs to loans | -0.0602% | 6,371 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1538% | 2,750 |
| Assets per employee ($millions) | 4.9164% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 4,784 |
| Loan loss allowance to noncurrent loans | 3,607.6923% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 5,327 |
| Noncurrent loans to loans | 0.0326% | 6,153 |
| Net loans and leases to total assets | 72.9586% | 1,526 |
| Net loans and leases to deposits | 80.3323% | 2,415 |
| Net loans and leases to core deposits | 82.2291% | 2,870 |
| Total domestic deposits to total assets | 90.8210% | 650 |
| Equity capital to assets | 8.8554% | 5,194 |
| Core capital (leverage) ratio | 8.5308% | 5,631 |
| Tier 1 risk-based capital ratio | 11.1022% | 6,118 |
| Total risk-based capital ratio | 12.2103% | 6,143 |
| Memoranda: | ||
| Average total assets | $59,684,000 | 5,766 |
| Average earning assets | $54,801,200 | 5,737 |
| Average equity | $4,436,400 | 6,223 |
| Average total loans | $36,536,800 | 5,474 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 3,964 |
| Cost of funding earning assets | 0.3731% | 5,063 |
| Net interest margin | 3.6689% | 3,157 |
| Noninterest income to average assets | 0.5653% | 3,365 |
| Noninterest expense to average assets | 2.8026% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0957% | 2,022 |
| Return on assets (ROA) | 1.0957% | 2,097 |
| Pretax return on assets | 1.1328% | 2,969 |
| Return on Equity (ROE) | 15.3929% | 730 |
| Retained earnings to average equity (ytd only) | 15.3929% | 182 |
| Net charge-offs to loans | -0.0560% | 6,349 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2146% | 3,570 |
| Assets per employee ($millions) | 5.5243% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 4,951 |
| Loan loss allowance to noncurrent loans | 3,553.8462% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 5,508 |
| Noncurrent loans to loans | 0.0333% | 6,240 |
| Net loans and leases to total assets | 69.8840% | 1,993 |
| Net loans and leases to deposits | 76.6311% | 2,866 |
| Net loans and leases to core deposits | 77.9951% | 3,363 |
| Total domestic deposits to total assets | 91.1953% | 459 |
| Equity capital to assets | 8.5260% | 5,713 |
| Core capital (leverage) ratio | 7.8604% | 6,296 |
| Tier 1 risk-based capital ratio | 11.2324% | 6,176 |
| Total risk-based capital ratio | 12.3387% | 6,207 |
| Memoranda: | ||
| Average total assets | $61,085,000 | 5,793 |
| Average earning assets | $56,109,500 | 5,760 |
| Average equity | $4,348,250 | 6,325 |
| Average total loans | $35,689,750 | 5,557 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8094% | 4,799 |
| Cost of funding earning assets | 0.3875% | 5,056 |
| Net interest margin | 3.4219% | 4,104 |
| Noninterest income to average assets | 0.5426% | 3,552 |
| Noninterest expense to average assets | 2.6494% | 4,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0122% | 2,281 |
| Return on assets (ROA) | 1.0122% | 2,411 |
| Pretax return on assets | 1.0598% | 3,261 |
| Return on Equity (ROE) | 15.0911% | 795 |
| Retained earnings to average equity (ytd only) | 15.0911% | 231 |
| Net charge-offs to loans | -0.0810% | 6,439 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 3,570 |
| Assets per employee ($millions) | 6.4881% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 4,552 |
| Loan loss allowance to noncurrent loans | 2,881.2500% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 5,534 |
| Noncurrent loans to loans | 0.0448% | 6,259 |
| Net loans and leases to total assets | 54.2963% | 4,545 |
| Net loans and leases to deposits | 58.7447% | 5,095 |
| Net loans and leases to core deposits | 59.6175% | 5,294 |
| Total domestic deposits to total assets | 92.4277% | 197 |
| Equity capital to assets | 6.9897% | 6,606 |
| Core capital (leverage) ratio | 7.3303% | 6,518 |
| Tier 1 risk-based capital ratio | 11.6685% | 6,014 |
| Total risk-based capital ratio | 12.8617% | 6,001 |
| Memoranda: | ||
| Average total assets | $63,032,330 | 5,778 |
| Average earning assets | $58,329,330 | 5,745 |
| Average equity | $4,227,670 | 6,401 |
| Average total loans | $34,563,670 | 5,635 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6365% | 5,345 |
| Cost of funding earning assets | 0.4079% | 5,031 |
| Net interest margin | 3.2286% | 4,809 |
| Noninterest income to average assets | 0.5796% | 3,254 |
| Noninterest expense to average assets | 2.8724% | 3,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6569% | 3,919 |
| Return on assets (ROA) | 0.6569% | 4,079 |
| Pretax return on assets | 0.7149% | 4,510 |
| Return on Equity (ROE) | 10.0147% | 2,058 |
| Retained earnings to average equity (ytd only) | 10.0147% | 1,102 |
| Net charge-offs to loans | -0.0588% | 6,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0718% | 2,326 |
| Assets per employee ($millions) | 6.7480% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 4,248 |
| Loan loss allowance to noncurrent loans | 2,378.9474% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 5,656 |
| Noncurrent loans to loans | 0.0587% | 6,300 |
| Net loans and leases to total assets | 47.2777% | 5,308 |
| Net loans and leases to deposits | 50.4683% | 5,750 |
| Net loans and leases to core deposits | 51.1766% | 5,880 |
| Total domestic deposits to total assets | 93.6781% | 88 |
| Equity capital to assets | 6.0966% | 6,820 |
| Core capital (leverage) ratio | 6.7262% | 6,709 |
| Tier 1 risk-based capital ratio | 11.3564% | 6,254 |
| Total risk-based capital ratio | 12.6053% | 6,230 |
| Memoranda: | ||
| Average total assets | $62,108,000 | 5,861 |
| Average earning assets | $57,858,000 | 5,803 |
| Average equity | $4,074,000 | 6,496 |
| Average total loans | $34,001,000 | 5,705 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 1,966 |
| Cost of funding earning assets | 0.6887% | 3,582 |
| Net interest margin | 4.1754% | 1,729 |
| Noninterest income to average assets | 0.6614% | 2,928 |
| Noninterest expense to average assets | 3.5623% | 1,696 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8395% | 3,098 |
| Return on assets (ROA) | 0.8567% | 3,259 |
| Pretax return on assets | 0.8683% | 4,033 |
| Return on Equity (ROE) | 11.4364% | 1,673 |
| Retained earnings to average equity (ytd only) | 11.4364% | 386 |
| Net charge-offs to loans | 0.7134% | 1,650 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.9130% | 4,463 |
| Efficiency ratio | 80.7187% | 2,048 |
| Assets per employee ($millions) | 4.7280% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 4,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 5,674 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 62.0417% | 3,243 |
| Net loans and leases to deposits | 67.9681% | 3,988 |
| Net loans and leases to core deposits | 69.5432% | 4,371 |
| Total domestic deposits to total assets | 91.2807% | 407 |
| Equity capital to assets | 7.1101% | 6,750 |
| Core capital (leverage) ratio | 7.3320% | 6,571 |
| Tier 1 risk-based capital ratio | 10.1737% | 6,656 |
| Total risk-based capital ratio | 11.3427% | 6,648 |
| Memoranda: | ||
| Average total assets | $51,708,600 | 6,153 |
| Average earning assets | $46,462,800 | 6,165 |
| Average equity | $3,873,600 | 6,597 |
| Average total loans | $32,241,600 | 5,841 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0248% | 1,627 |
| Cost of funding earning assets | 0.7479% | 3,370 |
| Net interest margin | 4.2769% | 1,540 |
| Noninterest income to average assets | 0.7585% | 2,435 |
| Noninterest expense to average assets | 3.5650% | 1,621 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9778% | 2,618 |
| Return on assets (ROA) | 0.9778% | 2,844 |
| Pretax return on assets | 1.0016% | 3,701 |
| Return on Equity (ROE) | 12.8687% | 1,376 |
| Retained earnings to average equity (ytd only) | 12.8687% | 405 |
| Net charge-offs to loans | -0.1019% | 6,856 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0671% | 2,392 |
| Assets per employee ($millions) | 4.3883% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1900% | 1,724 |
| Loan loss allowance to noncurrent loans | 686.2745% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 4,684 |
| Noncurrent loans to loans | 0.3191% | 5,842 |
| Net loans and leases to total assets | 64.7656% | 2,885 |
| Net loans and leases to deposits | 70.9587% | 3,763 |
| Net loans and leases to core deposits | 72.8945% | 4,137 |
| Total domestic deposits to total assets | 91.2722% | 338 |
| Equity capital to assets | 8.3694% | 6,371 |
| Core capital (leverage) ratio | 7.6419% | 6,551 |
| Tier 1 risk-based capital ratio | 10.9816% | 6,486 |
| Total risk-based capital ratio | 12.2418% | 6,465 |
| Memoranda: | ||
| Average total assets | $50,451,750 | 6,273 |
| Average earning assets | $44,923,000 | 6,282 |
| Average equity | $3,833,500 | 6,685 |
| Average total loans | $31,390,250 | 5,956 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 1,925 |
| Cost of funding earning assets | 0.7732% | 3,422 |
| Net interest margin | 4.1778% | 1,816 |
| Noninterest income to average assets | 0.7777% | 2,304 |
| Noninterest expense to average assets | 3.5913% | 1,593 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8754% | 3,016 |
| Return on assets (ROA) | 0.8754% | 3,274 |
| Pretax return on assets | 0.9027% | 4,069 |
| Return on Equity (ROE) | 11.9001% | 1,697 |
| Retained earnings to average equity (ytd only) | 11.9001% | 600 |
| Net charge-offs to loans | -0.1026% | 6,868 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9130% | 2,197 |
| Assets per employee ($millions) | 3.9515% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9995% | 2,231 |
| Loan loss allowance to noncurrent loans | 660.0000% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.7651% | 4,881 |
| Noncurrent loans to loans | 0.3030% | 5,954 |
| Net loans and leases to total assets | 66.1196% | 2,647 |
| Net loans and leases to deposits | 71.7864% | 3,646 |
| Net loans and leases to core deposits | 73.6033% | 4,081 |
| Total domestic deposits to total assets | 92.1061% | 207 |
| Equity capital to assets | 7.5318% | 6,788 |
| Core capital (leverage) ratio | 7.1494% | 6,767 |
| Tier 1 risk-based capital ratio | 9.8226% | 6,868 |
| Total risk-based capital ratio | 11.0802% | 6,859 |
| Memoranda: | ||
| Average total assets | $51,178,670 | 6,284 |
| Average earning assets | $45,526,000 | 6,302 |
| Average equity | $3,764,670 | 6,738 |
| Average total loans | $31,199,330 | 6,004 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0191% | 1,828 |
| Cost of funding earning assets | 0.8115% | 3,376 |
| Net interest margin | 4.2076% | 1,740 |
| Noninterest income to average assets | 0.8065% | 2,138 |
| Noninterest expense to average assets | 3.3749% | 2,074 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0962% | 2,101 |
| Return on assets (ROA) | 1.0962% | 2,296 |
| Pretax return on assets | 1.1667% | 3,040 |
| Return on Equity (ROE) | 15.0842% | 957 |
| Retained earnings to average equity (ytd only) | 15.0842% | 443 |
| Net charge-offs to loans | -0.1086% | 6,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3103% | 3,046 |
| Assets per employee ($millions) | 4.0413% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4423% | 1,436 |
| Loan loss allowance to noncurrent loans | 617.1171% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.9403% | 4,627 |
| Noncurrent loans to loans | 0.3958% | 5,884 |
| Net loans and leases to total assets | 52.0814% | 5,015 |
| Net loans and leases to deposits | 56.3201% | 5,566 |
| Net loans and leases to core deposits | 57.7038% | 5,739 |
| Total domestic deposits to total assets | 92.4739% | 192 |
| Equity capital to assets | 7.2140% | 6,877 |
| Core capital (leverage) ratio | 6.9476% | 6,860 |
| Tier 1 risk-based capital ratio | 11.7854% | 6,097 |
| Total risk-based capital ratio | 13.0470% | 6,069 |
| Memoranda: | ||
| Average total assets | $51,083,500 | 6,335 |
| Average earning assets | $45,346,500 | 6,354 |
| Average equity | $3,712,500 | 6,793 |
| Average total loans | $29,470,000 | 6,139 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3515% | 1,558 |
| Cost of funding earning assets | 1.1456% | 2,372 |
| Net interest margin | 4.2059% | 2,036 |
| Noninterest income to average assets | 0.5615% | 3,422 |
| Noninterest expense to average assets | 3.7850% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5081% | 4,381 |
| Return on assets (ROA) | 0.5062% | 4,608 |
| Pretax return on assets | 0.5287% | 4,906 |
| Return on Equity (ROE) | 7.1145% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.1145% | 1,443 |
| Net charge-offs to loans | 0.2264% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 3.6479% | 3,440 |
| Efficiency ratio | 87.7018% | 1,378 |
| Assets per employee ($millions) | 3.8177% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1914% | 1,812 |
| Loan loss allowance to noncurrent loans | 604.4643% | 589 |
| Noncurrent assets plus other real estate owned to assets | 1.0719% | 4,474 |
| Noncurrent loans to loans | 0.3625% | 5,998 |
| Net loans and leases to total assets | 60.8825% | 3,812 |
| Net loans and leases to deposits | 65.9536% | 4,740 |
| Net loans and leases to core deposits | 67.6715% | 5,071 |
| Total domestic deposits to total assets | 92.3111% | 197 |
| Equity capital to assets | 7.3242% | 6,871 |
| Core capital (leverage) ratio | 6.9063% | 6,894 |
| Tier 1 risk-based capital ratio | 10.1856% | 6,805 |
| Total risk-based capital ratio | 11.4444% | 6,784 |
| Memoranda: | ||
| Average total assets | $48,798,400 | 6,398 |
| Average earning assets | $43,558,000 | 6,399 |
| Average equity | $3,471,800 | 6,885 |
| Average total loans | $31,365,000 | 6,103 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4858% | 1,283 |
| Cost of funding earning assets | 1.2391% | 2,069 |
| Net interest margin | 4.2466% | 1,922 |
| Noninterest income to average assets | 0.5680% | 3,384 |
| Noninterest expense to average assets | 3.9705% | 1,040 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4143% | 4,933 |
| Return on assets (ROA) | 0.4116% | 5,138 |
| Pretax return on assets | 0.4034% | 5,459 |
| Return on Equity (ROE) | 5.8292% | 4,104 |
| Retained earnings to average equity (ytd only) | 5.8292% | 2,652 |
| Net charge-offs to loans | -0.0127% | 6,814 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7210% | 1,124 |
| Assets per employee ($millions) | 3.6293% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2457% | 1,790 |
| Loan loss allowance to noncurrent loans | 148.4190% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 1.3077% | 4,195 |
| Noncurrent loans to loans | 1.5131% | 4,020 |
| Net loans and leases to total assets | 69.2864% | 2,222 |
| Net loans and leases to deposits | 75.7642% | 3,365 |
| Net loans and leases to core deposits | 77.8574% | 3,928 |
| Total domestic deposits to total assets | 91.4499% | 310 |
| Equity capital to assets | 7.5708% | 6,909 |
| Core capital (leverage) ratio | 6.9000% | 6,987 |
| Tier 1 risk-based capital ratio | 9.3200% | 7,079 |
| Total risk-based capital ratio | 10.5799% | 7,072 |
| Memoranda: | ||
| Average total assets | $48,590,500 | 6,467 |
| Average earning assets | $43,578,500 | 6,459 |
| Average equity | $3,431,000 | 6,956 |
| Average total loans | $31,483,000 | 6,166 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1613% | 2,411 |
| Cost of funding earning assets | 1.3175% | 1,838 |
| Net interest margin | 3.8438% | 3,564 |
| Noninterest income to average assets | 0.5666% | 3,357 |
| Noninterest expense to average assets | 3.6363% | 1,656 |
| Loan and lease loss provision to assets | 0.0041% | 6,194 |
| Net operating income to assets | 0.3914% | 4,989 |
| Return on assets (ROA) | 0.3873% | 5,146 |
| Pretax return on assets | 0.3832% | 5,447 |
| Return on Equity (ROE) | 5.6147% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.6147% | 2,635 |
| Net charge-offs to loans | 0.1103% | 4,592 |
| Credit loss provision to net charge-offs | 5.8824% | 5,284 |
| Earnings coverage of net charge-offs (x) | 5.6471% | 2,567 |
| Efficiency ratio | 90.2834% | 1,224 |
| Assets per employee ($millions) | 3.8504% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3500% | 1,662 |
| Loan loss allowance to noncurrent loans | 142.7734% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 1.4724% | 4,003 |
| Noncurrent loans to loans | 1.6459% | 3,941 |
| Net loans and leases to total assets | 60.6852% | 4,152 |
| Net loans and leases to deposits | 65.4472% | 5,080 |
| Net loans and leases to core deposits | 67.1219% | 5,378 |
| Total domestic deposits to total assets | 92.7240% | 145 |
| Equity capital to assets | 6.9723% | 7,107 |
| Core capital (leverage) ratio | 6.7407% | 7,068 |
| Tier 1 risk-based capital ratio | 9.6911% | 7,062 |
| Total risk-based capital ratio | 10.9512% | 7,060 |
| Memoranda: | ||
| Average total assets | $49,060,330 | 6,509 |
| Average earning assets | $44,174,670 | 6,502 |
| Average equity | $3,384,000 | 7,017 |
| Average total loans | $30,830,330 | 6,246 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2070% | 2,200 |
| Cost of funding earning assets | 1.4459% | 1,405 |
| Net interest margin | 3.7611% | 3,793 |
| Noninterest income to average assets | 0.5436% | 3,556 |
| Noninterest expense to average assets | 3.5994% | 1,772 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3295% | 5,271 |
| Return on assets (ROA) | 0.3295% | 5,348 |
| Pretax return on assets | 0.3295% | 5,565 |
| Return on Equity (ROE) | 4.8034% | 4,499 |
| Retained earnings to average equity (ytd only) | 4.8034% | 3,300 |
| Net charge-offs to loans | 0.3128% | 2,798 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 3,476 |
| Efficiency ratio | 91.6143% | 1,189 |
| Assets per employee ($millions) | 3.7310% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4100% | 1,593 |
| Loan loss allowance to noncurrent loans | 75.3382% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 2.4452% | 2,780 |
| Noncurrent loans to loans | 3.1989% | 2,343 |
| Net loans and leases to total assets | 60.4457% | 4,180 |
| Net loans and leases to deposits | 65.1526% | 5,101 |
| Net loans and leases to core deposits | 66.8704% | 5,420 |
| Total domestic deposits to total assets | 92.7757% | 154 |
| Equity capital to assets | 6.9315% | 7,099 |
| Core capital (leverage) ratio | 6.6248% | 7,136 |
| Tier 1 risk-based capital ratio | 9.9939% | 7,007 |
| Total risk-based capital ratio | 11.2569% | 7,001 |
| Memoranda: | ||
| Average total assets | $48,563,000 | 6,572 |
| Average earning assets | $43,710,500 | 6,571 |
| Average equity | $3,331,000 | 7,067 |
| Average total loans | $30,692,000 | 6,308 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5989% | 1,892 |
| Cost of funding earning assets | 1.9908% | 630 |
| Net interest margin | 3.6081% | 4,785 |
| Noninterest income to average assets | 0.5583% | 3,763 |
| Noninterest expense to average assets | 3.4940% | 2,196 |
| Loan and lease loss provision to assets | 2.9052% | 343 |
| Net operating income to assets | -2.5763% | 7,199 |
| Return on assets (ROA) | -2.5723% | 7,217 |
| Pretax return on assets | -2.6210% | 7,203 |
| Return on Equity (ROE) | -39.9433% | 7,348 |
| Retained earnings to average equity (ytd only) | -39.9433% | 7,341 |
| Net charge-offs to loans | 2.8417% | 612 |
| Credit loss provision to net charge-offs | 151.9108% | 2,367 |
| Earnings coverage of net charge-offs (x) | 0.1465% | 5,970 |
| Efficiency ratio | 92.5767% | 1,142 |
| Assets per employee ($millions) | 3.7402% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4249% | 1,516 |
| Loan loss allowance to noncurrent loans | 455.0898% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.8062% | 5,388 |
| Noncurrent loans to loans | 0.5328% | 5,983 |
| Net loans and leases to total assets | 62.8962% | 4,093 |
| Net loans and leases to deposits | 69.2637% | 4,917 |
| Net loans and leases to core deposits | 71.5402% | 5,263 |
| Total domestic deposits to total assets | 90.8068% | 690 |
| Equity capital to assets | 6.7869% | 7,180 |
| Core capital (leverage) ratio | 6.4052% | 7,214 |
| Tier 1 risk-based capital ratio | 9.1259% | 7,219 |
| Total risk-based capital ratio | 10.3872% | 7,219 |
| Memoranda: | ||
| Average total assets | $49,256,000 | 6,568 |
| Average earning assets | $43,901,800 | 6,585 |
| Average equity | $3,172,000 | 7,226 |
| Average total loans | $33,149,600 | 6,253 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6494% | 1,889 |
| Cost of funding earning assets | 2.0422% | 658 |
| Net interest margin | 3.6072% | 4,840 |
| Noninterest income to average assets | 0.5801% | 3,579 |
| Noninterest expense to average assets | 3.2783% | 2,644 |
| Loan and lease loss provision to assets | 3.5104% | 207 |
| Net operating income to assets | -2.9410% | 7,438 |
| Return on assets (ROA) | -2.9383% | 7,448 |
| Pretax return on assets | -3.0031% | 7,415 |
| Return on Equity (ROE) | -46.2408% | 7,537 |
| Retained earnings to average equity (ytd only) | -46.2408% | 7,535 |
| Net charge-offs to loans | 3.7418% | 347 |
| Credit loss provision to net charge-offs | 137.9639% | 2,892 |
| Earnings coverage of net charge-offs (x) | 0.1983% | 5,816 |
| Efficiency ratio | 86.6619% | 1,562 |
| Assets per employee ($millions) | 3.9490% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8613% | 2,593 |
| Loan loss allowance to noncurrent loans | 386.5031% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 5,407 |
| Noncurrent loans to loans | 0.4816% | 6,229 |
| Net loans and leases to total assets | 70.0979% | 2,711 |
| Net loans and leases to deposits | 82.2900% | 3,048 |
| Net loans and leases to core deposits | 85.2531% | 3,760 |
| Total domestic deposits to total assets | 85.1840% | 3,526 |
| Equity capital to assets | 5.4571% | 7,537 |
| Core capital (leverage) ratio | 5.0013% | 7,545 |
| Tier 1 risk-based capital ratio | 6.4278% | 7,586 |
| Total risk-based capital ratio | 7.6836% | 7,589 |
| Memoranda: | ||
| Average total assets | $49,414,250 | 6,644 |
| Average earning assets | $43,873,750 | 6,665 |
| Average equity | $3,140,000 | 7,324 |
| Average total loans | $33,601,500 | 6,310 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4953% | 2,533 |
| Cost of funding earning assets | 2.0804% | 709 |
| Net interest margin | 3.4149% | 5,579 |
| Noninterest income to average assets | 0.5710% | 3,538 |
| Noninterest expense to average assets | 3.2382% | 2,769 |
| Loan and lease loss provision to assets | 3.7133% | 222 |
| Net operating income to assets | -3.1504% | 7,528 |
| Return on assets (ROA) | -3.1504% | 7,532 |
| Pretax return on assets | -3.3460% | 7,521 |
| Return on Equity (ROE) | -47.4634% | 7,595 |
| Retained earnings to average equity (ytd only) | -47.4634% | 7,591 |
| Net charge-offs to loans | 5.5908% | 160 |
| Credit loss provision to net charge-offs | 99.2529% | 4,138 |
| Earnings coverage of net charge-offs (x) | 0.0982% | 5,625 |
| Efficiency ratio | 89.8117% | 1,349 |
| Assets per employee ($millions) | 3.7882% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 7,051 |
| Loan loss allowance to noncurrent loans | 156.2130% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.8244% | 5,474 |
| Noncurrent loans to loans | 0.5073% | 6,240 |
| Net loans and leases to total assets | 67.1066% | 3,595 |
| Net loans and leases to deposits | 76.3957% | 4,260 |
| Net loans and leases to core deposits | 78.9526% | 4,810 |
| Total domestic deposits to total assets | 87.8409% | 2,083 |
| Equity capital to assets | 5.7283% | 7,571 |
| Core capital (leverage) ratio | 5.3448% | 7,569 |
| Tier 1 risk-based capital ratio | 7.2888% | 7,576 |
| Total risk-based capital ratio | 8.0078% | 7,627 |
| Memoranda: | ||
| Average total assets | $50,089,670 | 6,644 |
| Average earning assets | $44,511,000 | 6,679 |
| Average equity | $3,324,670 | 7,320 |
| Average total loans | $33,519,330 | 6,360 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5708% | 2,281 |
| Cost of funding earning assets | 2.1214% | 755 |
| Net interest margin | 3.4494% | 5,378 |
| Noninterest income to average assets | 0.5702% | 3,485 |
| Noninterest expense to average assets | 3.0488% | 3,485 |
| Loan and lease loss provision to assets | 0.1584% | 4,947 |
| Net operating income to assets | 0.4118% | 4,788 |
| Return on assets (ROA) | 0.4118% | 4,931 |
| Pretax return on assets | 0.4276% | 5,201 |
| Return on Equity (ROE) | 5.8157% | 3,956 |
| Retained earnings to average equity (ytd only) | 5.8157% | 2,704 |
| Net charge-offs to loans | -0.0119% | 6,934 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8780% | 2,033 |
| Assets per employee ($millions) | 3.8452% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 6,883 |
| Loan loss allowance to noncurrent loans | 31.9126% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 1.8304% | 3,730 |
| Noncurrent loans to loans | 2.7742% | 2,881 |
| Net loans and leases to total assets | 65.3977% | 4,022 |
| Net loans and leases to deposits | 75.6719% | 4,464 |
| Net loans and leases to core deposits | 78.2025% | 4,998 |
| Total domestic deposits to total assets | 86.4227% | 2,932 |
| Equity capital to assets | 7.2177% | 7,273 |
| Core capital (leverage) ratio | 6.9596% | 7,276 |
| Tier 1 risk-based capital ratio | 9.9095% | 7,090 |
| Total risk-based capital ratio | 10.7325% | 7,309 |
| Memoranda: | ||
| Average total assets | $50,511,000 | 6,716 |
| Average earning assets | $44,877,000 | 6,745 |
| Average equity | $3,576,500 | 7,320 |
| Average total loans | $33,623,000 | 6,427 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6957% | 467 |
| Cost of funding earning assets | 2.5743% | 842 |
| Net interest margin | 4.1214% | 2,363 |
| Noninterest income to average assets | 0.5394% | 4,114 |
| Noninterest expense to average assets | 3.5040% | 2,363 |
| Loan and lease loss provision to assets | 0.4459% | 4,153 |
| Net operating income to assets | 0.3023% | 4,529 |
| Return on assets (ROA) | 0.3089% | 4,586 |
| Pretax return on assets | 0.2871% | 4,796 |
| Return on Equity (ROE) | 4.0795% | 4,053 |
| Retained earnings to average equity (ytd only) | 2.9304% | 3,117 |
| Net charge-offs to loans | 0.6823% | 3,146 |
| Credit loss provision to net charge-offs | 85.4167% | 6,152 |
| Earnings coverage of net charge-offs (x) | 1.3917% | 4,744 |
| Efficiency ratio | 82.8278% | 2,497 |
| Assets per employee ($millions) | 3.9257% | 3,964 |
| Cash dividends to net income (ytd only)* | 28.1690% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7909% | 7,155 |
| Loan loss allowance to noncurrent loans | 48.9170% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 1.0856% | 4,920 |
| Noncurrent loans to loans | 1.6169% | 4,227 |
| Net loans and leases to total assets | 66.6066% | 4,015 |
| Net loans and leases to deposits | 76.7591% | 4,614 |
| Net loans and leases to core deposits | 87.1523% | 5,419 |
| Total domestic deposits to total assets | 86.7735% | 2,622 |
| Equity capital to assets | 6.9463% | 7,393 |
| Core capital (leverage) ratio | 7.0982% | 7,153 |
| Tier 1 risk-based capital ratio | 9.3550% | 7,301 |
| Total risk-based capital ratio | 10.0867% | 7,551 |
| Memoranda: | ||
| Average total assets | $45,976,000 | 6,874 |
| Average earning assets | $41,175,600 | 6,902 |
| Average equity | $3,480,800 | 7,447 |
| Average total loans | $35,173,800 | 6,349 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0234% | 291 |
| Cost of funding earning assets | 2.6371% | 938 |
| Net interest margin | 4.3864% | 1,480 |
| Noninterest income to average assets | 0.5546% | 4,044 |
| Noninterest expense to average assets | 3.5277% | 2,208 |
| Loan and lease loss provision to assets | 0.5069% | 3,357 |
| Net operating income to assets | 0.4684% | 4,130 |
| Return on assets (ROA) | 0.4741% | 4,199 |
| Pretax return on assets | 0.4890% | 4,549 |
| Return on Equity (ROE) | 6.1185% | 3,481 |
| Retained earnings to average equity (ytd only) | 6.1185% | 1,892 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0858% | 3,153 |
| Assets per employee ($millions) | 3.3248% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 4,470 |
| Loan loss allowance to noncurrent loans | 57.2804% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.7853% | 3,679 |
| Noncurrent loans to loans | 2.2794% | 3,288 |
| Net loans and leases to total assets | 77.3004% | 1,722 |
| Net loans and leases to deposits | 91.2135% | 2,360 |
| Net loans and leases to core deposits | 102.8205% | 4,073 |
| Total domestic deposits to total assets | 84.7466% | 3,347 |
| Equity capital to assets | 7.8136% | 7,026 |
| Core capital (leverage) ratio | 7.6189% | 6,837 |
| Tier 1 risk-based capital ratio | 9.0486% | 7,603 |
| Total risk-based capital ratio | 10.2719% | 7,622 |
| Memoranda: | ||
| Average total assets | $44,711,500 | 6,975 |
| Average earning assets | $40,397,000 | 6,985 |
| Average equity | $3,464,750 | 7,518 |
| Average total loans | $35,401,500 | 6,382 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8552% | 407 |
| Cost of funding earning assets | 2.6788% | 1,080 |
| Net interest margin | 4.1764% | 2,069 |
| Noninterest income to average assets | 0.5306% | 4,181 |
| Noninterest expense to average assets | 3.5329% | 2,237 |
| Loan and lease loss provision to assets | 0.6803% | 2,390 |
| Net operating income to assets | 0.0862% | 5,603 |
| Return on assets (ROA) | 0.0862% | 5,701 |
| Pretax return on assets | 0.0862% | 5,705 |
| Return on Equity (ROE) | 1.1152% | 5,603 |
| Retained earnings to average equity (ytd only) | 1.1152% | 4,714 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1730% | 2,704 |
| Assets per employee ($millions) | 3.0256% | 6,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 4,666 |
| Loan loss allowance to noncurrent loans | 60.5578% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.6592% | 3,707 |
| Noncurrent loans to loans | 2.0494% | 3,447 |
| Net loans and leases to total assets | 79.9533% | 1,321 |
| Net loans and leases to deposits | 94.0490% | 2,083 |
| Net loans and leases to core deposits | 112.2328% | 3,109 |
| Total domestic deposits to total assets | 85.0123% | 3,254 |
| Equity capital to assets | 7.5159% | 7,247 |
| Core capital (leverage) ratio | 7.4594% | 7,072 |
| Tier 1 risk-based capital ratio | 8.7694% | 7,795 |
| Total risk-based capital ratio | 9.9518% | 7,857 |
| Memoranda: | ||
| Average total assets | $44,099,670 | 7,053 |
| Average earning assets | $39,794,670 | 7,064 |
| Average equity | $3,407,330 | 7,604 |
| Average total loans | $35,049,670 | 6,454 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7437% | 539 |
| Cost of funding earning assets | 2.7467% | 1,123 |
| Net interest margin | 3.9970% | 2,656 |
| Noninterest income to average assets | 0.5799% | 3,689 |
| Noninterest expense to average assets | 3.6173% | 1,832 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5339% | 4,280 |
| Return on assets (ROA) | 0.5339% | 4,471 |
| Pretax return on assets | 0.5523% | 4,907 |
| Return on Equity (ROE) | 6.8125% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.8125% | 2,282 |
| Net charge-offs to loans | 0.0117% | 5,449 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 649 |
| Efficiency ratio | 86.7550% | 1,987 |
| Assets per employee ($millions) | 3.3363% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 6,780 |
| Loan loss allowance to noncurrent loans | 371.9512% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 6,967 |
| Noncurrent loans to loans | 0.2402% | 6,843 |
| Net loans and leases to total assets | 78.0227% | 1,820 |
| Net loans and leases to deposits | 95.6554% | 1,997 |
| Net loans and leases to core deposits | 116.5089% | 2,740 |
| Total domestic deposits to total assets | 81.5664% | 4,722 |
| Equity capital to assets | 7.9544% | 6,876 |
| Core capital (leverage) ratio | 7.7278% | 6,854 |
| Tier 1 risk-based capital ratio | 9.3081% | 7,580 |
| Total risk-based capital ratio | 10.1379% | 7,893 |
| Memoranda: | ||
| Average total assets | $43,457,500 | 7,117 |
| Average earning assets | $39,029,000 | 7,126 |
| Average equity | $3,405,500 | 7,652 |
| Average total loans | $34,203,500 | 6,534 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3618% | 530 |
| Cost of funding earning assets | 3.2245% | 1,113 |
| Net interest margin | 4.1373% | 2,551 |
| Noninterest income to average assets | 0.5213% | 4,457 |
| Noninterest expense to average assets | 3.5966% | 2,156 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5623% | 4,471 |
| Return on assets (ROA) | 0.5691% | 4,305 |
| Pretax return on assets | 0.5955% | 4,711 |
| Return on Equity (ROE) | 7.2508% | 3,396 |
| Retained earnings to average equity (ytd only) | 6.0322% | 1,516 |
| Net charge-offs to loans | 0.0443% | 6,150 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 17.5714% | 1,760 |
| Efficiency ratio | 85.9429% | 1,855 |
| Assets per employee ($millions) | 2.9029% | 6,298 |
| Cash dividends to net income (ytd only)* | 16.8067% | 4,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 6,713 |
| Loan loss allowance to noncurrent loans | 485.7143% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 6,999 |
| Noncurrent loans to loans | 0.1839% | 6,838 |
| Net loans and leases to total assets | 77.9827% | 2,141 |
| Net loans and leases to deposits | 94.5323% | 2,684 |
| Net loans and leases to core deposits | 114.4880% | 3,279 |
| Total domestic deposits to total assets | 82.4932% | 3,999 |
| Equity capital to assets | 7.7188% | 7,183 |
| Core capital (leverage) ratio | 7.7497% | 6,865 |
| Tier 1 risk-based capital ratio | 9.1660% | 7,648 |
| Total risk-based capital ratio | 10.0000% | 8,010 |
| Memoranda: | ||
| Average total assets | $41,817,000 | 7,136 |
| Average earning assets | $37,029,000 | 7,187 |
| Average equity | $3,282,400 | 7,754 |
| Average total loans | $31,570,600 | 6,624 |