Home > Flora Savings Bank > Performance and Condition Ratios
Flora Savings Bank, Performance and Condition Ratios
| 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 | 4.4961% | 2,320 |
| Cost of funding earning assets | 0.9933% | 616 |
| Net interest margin | 3.5028% | 3,690 |
| Noninterest income to average assets | 0.0628% | 5,312 |
| Noninterest expense to average assets | 2.6159% | 3,239 |
| Loan and lease loss provision to assets | 0.1346% | 1,488 |
| Net operating income to assets | 0.5205% | 4,714 |
| Return on assets (ROA) | 0.5205% | 4,715 |
| Pretax return on assets | 0.6192% | 4,701 |
| Return on Equity (ROE) | 4.3255% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.3255% | 3,595 |
| Net charge-offs to loans | 0.0409% | 2,269 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 27.9988% | 1,684 |
| Efficiency ratio | 77.6298% | 1,154 |
| Assets per employee ($millions) | 4.7772% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8023% | 4,615 |
| Loan loss allowance to noncurrent loans | 30.8300% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.7653% | 670 |
| Noncurrent loans to loans | 2.6025% | 491 |
| Net loans and leases to total assets | 67.2888% | 3,039 |
| Net loans and leases to deposits | 77.2933% | 3,298 |
| Net loans and leases to core deposits | 84.3922% | 3,126 |
| Total domestic deposits to total assets | 87.0565% | 1,704 |
| Equity capital to assets | 12.7133% | 1,459 |
| Core capital (leverage) ratio | 12.5601% | 1,466 |
| Tier 1 risk-based capital ratio | 21.6019% | 1,103 |
| Total risk-based capital ratio | 22.5294% | 1,127 |
| Memoranda: | ||
| Average total assets | $29,715,250 | 5,311 |
| Average earning assets | $28,053,250 | 5,290 |
| Average equity | $3,575,500 | 5,296 |
| Average total loans | $19,564,750 | 5,145 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 2,371 |
| Cost of funding earning assets | 0.9800% | 515 |
| Net interest margin | 3.4336% | 3,848 |
| Noninterest income to average assets | -0.0067% | 5,506 |
| Noninterest expense to average assets | 2.5544% | 3,458 |
| Loan and lease loss provision to assets | 0.1996% | 862 |
| Net operating income to assets | 0.3725% | 5,016 |
| Return on assets (ROA) | 0.3725% | 5,017 |
| Pretax return on assets | 0.4789% | 4,938 |
| Return on Equity (ROE) | 3.1526% | 4,995 |
| Retained earnings to average equity (ytd only) | 3.1526% | 3,990 |
| Net charge-offs to loans | 0.0204% | 2,472 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 1,115 |
| Efficiency ratio | 79.0123% | 1,116 |
| Assets per employee ($millions) | 4.9430% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8258% | 4,619 |
| Loan loss allowance to noncurrent loans | 40.5063% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.3318% | 1,054 |
| Noncurrent loans to loans | 2.0387% | 729 |
| Net loans and leases to total assets | 64.7886% | 3,308 |
| Net loans and leases to deposits | 73.8982% | 3,544 |
| Net loans and leases to core deposits | 80.3874% | 3,386 |
| Total domestic deposits to total assets | 87.6728% | 1,551 |
| Equity capital to assets | 12.0844% | 1,799 |
| Core capital (leverage) ratio | 11.9759% | 1,726 |
| Tier 1 risk-based capital ratio | 20.9070% | 1,196 |
| Total risk-based capital ratio | 21.8432% | 1,203 |
| Memoranda: | ||
| Average total assets | $30,066,000 | 5,372 |
| Average earning assets | $28,367,000 | 5,348 |
| Average equity | $3,552,670 | 5,359 |
| Average total loans | $19,605,330 | 5,207 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3923% | 2,224 |
| Cost of funding earning assets | 0.9683% | 433 |
| Net interest margin | 3.4240% | 3,802 |
| Noninterest income to average assets | -0.1057% | 5,589 |
| Noninterest expense to average assets | 2.4315% | 3,857 |
| Loan and lease loss provision to assets | 0.3964% | 285 |
| Net operating income to assets | 0.2114% | 5,230 |
| Return on assets (ROA) | 0.2114% | 5,229 |
| Pretax return on assets | 0.2907% | 5,176 |
| Return on Equity (ROE) | 1.8094% | 5,207 |
| Retained earnings to average equity (ytd only) | 1.8094% | 4,410 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9661% | 1,357 |
| Assets per employee ($millions) | 5.0617% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 4,702 |
| Loan loss allowance to noncurrent loans | 26.8657% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 2.3806% | 407 |
| Noncurrent loans to loans | 3.0941% | 380 |
| Net loans and leases to total assets | 63.6385% | 3,357 |
| Net loans and leases to deposits | 72.2289% | 3,583 |
| Net loans and leases to core deposits | 78.3548% | 3,466 |
| Total domestic deposits to total assets | 88.1067% | 1,556 |
| Equity capital to assets | 11.6727% | 2,011 |
| Core capital (leverage) ratio | 11.6859% | 1,867 |
| Tier 1 risk-based capital ratio | 20.3415% | 1,287 |
| Total risk-based capital ratio | 21.2761% | 1,308 |
| Memoranda: | ||
| Average total assets | $30,270,000 | 5,429 |
| Average earning assets | $28,504,500 | 5,405 |
| Average equity | $3,537,000 | 5,419 |
| Average total loans | $19,720,500 | 5,263 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4681% | 1,819 |
| Cost of funding earning assets | 0.9368% | 305 |
| Net interest margin | 3.5314% | 3,421 |
| Noninterest income to average assets | 0.0795% | 5,462 |
| Noninterest expense to average assets | 2.8455% | 2,625 |
| Loan and lease loss provision to assets | 0.0994% | 2,238 |
| Net operating income to assets | 0.4571% | 4,502 |
| Return on assets (ROA) | 0.4571% | 4,535 |
| Pretax return on assets | 0.4439% | 5,023 |
| Return on Equity (ROE) | 4.0149% | 4,499 |
| Retained earnings to average equity (ytd only) | 4.0149% | 2,789 |
| Net charge-offs to loans | 0.0933% | 2,145 |
| Credit loss provision to net charge-offs | 166.6667% | 1,607 |
| Earnings coverage of net charge-offs (x) | 9.1111% | 2,826 |
| Efficiency ratio | 83.9687% | 767 |
| Assets per employee ($millions) | 5.0283% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6616% | 5,134 |
| Loan loss allowance to noncurrent loans | 55.9322% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.3391% | 1,074 |
| Noncurrent loans to loans | 1.1828% | 1,503 |
| Net loans and leases to total assets | 65.6944% | 3,141 |
| Net loans and leases to deposits | 74.5533% | 3,470 |
| Net loans and leases to core deposits | 80.8980% | 3,346 |
| Total domestic deposits to total assets | 88.1173% | 1,428 |
| Equity capital to assets | 11.6971% | 2,035 |
| Core capital (leverage) ratio | 11.5252% | 1,929 |
| Tier 1 risk-based capital ratio | 20.1481% | 1,292 |
| Total risk-based capital ratio | 20.9058% | 1,356 |
| Memoranda: | ||
| Average total assets | $30,187,600 | 5,490 |
| Average earning assets | $28,289,200 | 5,465 |
| Average equity | $3,437,200 | 5,487 |
| Average total loans | $19,292,000 | 5,331 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3246% | 2,198 |
| Cost of funding earning assets | 0.9244% | 304 |
| Net interest margin | 3.4003% | 3,851 |
| Noninterest income to average assets | -0.0221% | 5,698 |
| Noninterest expense to average assets | 2.9102% | 2,364 |
| Loan and lease loss provision to assets | 0.0883% | 2,313 |
| Net operating income to assets | 0.1722% | 5,377 |
| Return on assets (ROA) | 0.1722% | 5,387 |
| Pretax return on assets | 0.1634% | 5,413 |
| Return on Equity (ROE) | 1.5230% | 5,371 |
| Retained earnings to average equity (ytd only) | 1.5230% | 4,811 |
| Net charge-offs to loans | 0.1115% | 1,672 |
| Credit loss provision to net charge-offs | 125.0000% | 1,938 |
| Earnings coverage of net charge-offs (x) | 3.5631% | 3,328 |
| Efficiency ratio | 92.0391% | 342 |
| Assets per employee ($millions) | 5.0557% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6401% | 5,253 |
| Loan loss allowance to noncurrent loans | 22.7523% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 2.4593% | 446 |
| Noncurrent loans to loans | 2.8135% | 484 |
| Net loans and leases to total assets | 63.4503% | 3,493 |
| Net loans and leases to deposits | 73.0409% | 3,659 |
| Net loans and leases to core deposits | 78.1890% | 3,614 |
| Total domestic deposits to total assets | 86.8695% | 1,920 |
| Equity capital to assets | 11.3074% | 2,568 |
| Core capital (leverage) ratio | 11.2842% | 2,195 |
| Tier 1 risk-based capital ratio | 19.9871% | 1,363 |
| Total risk-based capital ratio | 20.7137% | 1,451 |
| Memoranda: | ||
| Average total assets | $30,192,000 | 5,548 |
| Average earning assets | $28,271,500 | 5,524 |
| Average equity | $3,414,250 | 5,551 |
| Average total loans | $19,127,000 | 5,392 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2514% | 2,283 |
| Cost of funding earning assets | 0.9085% | 290 |
| Net interest margin | 3.3429% | 3,975 |
| Noninterest income to average assets | -0.0265% | 5,747 |
| Noninterest expense to average assets | 2.8131% | 2,707 |
| Loan and lease loss provision to assets | 0.1327% | 1,566 |
| Net operating income to assets | 0.2057% | 5,390 |
| Return on assets (ROA) | 0.2057% | 5,403 |
| Pretax return on assets | 0.1526% | 5,465 |
| Return on Equity (ROE) | 1.8187% | 5,366 |
| Retained earnings to average equity (ytd only) | 1.8187% | 4,524 |
| Net charge-offs to loans | 0.1470% | 1,272 |
| Credit loss provision to net charge-offs | 142.8571% | 1,565 |
| Earnings coverage of net charge-offs (x) | 3.0714% | 3,087 |
| Efficiency ratio | 90.7923% | 415 |
| Assets per employee ($millions) | 5.0833% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6678% | 5,268 |
| Loan loss allowance to noncurrent loans | 23.7288% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 2.9475% | 315 |
| Noncurrent loans to loans | 2.8143% | 489 |
| Net loans and leases to total assets | 61.4492% | 3,694 |
| Net loans and leases to deposits | 69.4277% | 3,951 |
| Net loans and leases to core deposits | 73.4577% | 3,986 |
| Total domestic deposits to total assets | 88.5082% | 1,200 |
| Equity capital to assets | 11.2197% | 2,571 |
| Core capital (leverage) ratio | 11.2340% | 2,195 |
| Tier 1 risk-based capital ratio | 20.0542% | 1,362 |
| Total risk-based capital ratio | 20.7967% | 1,425 |
| Memoranda: | ||
| Average total assets | $30,144,670 | 5,592 |
| Average earning assets | $28,179,000 | 5,573 |
| Average equity | $3,409,000 | 5,594 |
| Average total loans | $19,045,670 | 5,440 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1887% | 2,309 |
| Cost of funding earning assets | 0.9006% | 282 |
| Net interest margin | 3.2881% | 4,052 |
| Noninterest income to average assets | -0.0133% | 5,826 |
| Noninterest expense to average assets | 2.6296% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3070% | 5,175 |
| Return on assets (ROA) | 0.3070% | 5,197 |
| Pretax return on assets | 0.4271% | 5,108 |
| Return on Equity (ROE) | 2.7039% | 5,177 |
| Retained earnings to average equity (ytd only) | 2.7039% | 4,057 |
| Net charge-offs to loans | 0.0836% | 1,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,090 |
| Efficiency ratio | 86.0262% | 803 |
| Assets per employee ($millions) | 4.9895% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6211% | 5,447 |
| Loan loss allowance to noncurrent loans | 14.2157% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 4.0585% | 184 |
| Noncurrent loans to loans | 4.3690% | 224 |
| Net loans and leases to total assets | 62.0002% | 3,534 |
| Net loans and leases to deposits | 70.1792% | 3,775 |
| Net loans and leases to core deposits | 74.3451% | 3,800 |
| Total domestic deposits to total assets | 88.3455% | 1,512 |
| Equity capital to assets | 11.4039% | 2,254 |
| Core capital (leverage) ratio | 11.3372% | 2,073 |
| Tier 1 risk-based capital ratio | 19.9621% | 1,403 |
| Total risk-based capital ratio | 20.6490% | 1,492 |
| Memoranda: | ||
| Average total assets | $29,967,000 | 5,664 |
| Average earning assets | $27,980,000 | 5,639 |
| Average equity | $3,402,500 | 5,658 |
| Average total loans | $19,134,500 | 5,492 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4611% | 1,651 |
| Cost of funding earning assets | 0.9441% | 235 |
| Net interest margin | 3.5170% | 3,368 |
| Noninterest income to average assets | -0.0034% | 5,864 |
| Noninterest expense to average assets | 2.7656% | 3,137 |
| Loan and lease loss provision to assets | 0.0169% | 4,041 |
| Net operating income to assets | 0.4216% | 4,872 |
| Return on assets (ROA) | 0.4216% | 4,955 |
| Pretax return on assets | 0.5059% | 5,013 |
| Return on Equity (ROE) | 3.7531% | 4,913 |
| Retained earnings to average equity (ytd only) | 3.7531% | 3,246 |
| Net charge-offs to loans | 0.0455% | 3,132 |
| Credit loss provision to net charge-offs | 55.5556% | 3,309 |
| Earnings coverage of net charge-offs (x) | 17.2222% | 2,064 |
| Efficiency ratio | 84.1026% | 1,002 |
| Assets per employee ($millions) | 4.9995% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6125% | 5,506 |
| Loan loss allowance to noncurrent loans | 17.0213% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 3.5770% | 241 |
| Noncurrent loans to loans | 3.5984% | 327 |
| Net loans and leases to total assets | 64.9132% | 3,228 |
| Net loans and leases to deposits | 73.3630% | 3,579 |
| Net loans and leases to core deposits | 77.7201% | 3,590 |
| Total domestic deposits to total assets | 88.4822% | 1,387 |
| Equity capital to assets | 11.3045% | 2,323 |
| Core capital (leverage) ratio | 11.2093% | 2,164 |
| Tier 1 risk-based capital ratio | 19.3459% | 1,516 |
| Total risk-based capital ratio | 20.0393% | 1,626 |
| Memoranda: | ||
| Average total assets | $29,649,600 | 5,718 |
| Average earning assets | $27,750,800 | 5,692 |
| Average equity | $3,330,600 | 5,724 |
| Average total loans | $19,780,400 | 5,527 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5038% | 1,531 |
| Cost of funding earning assets | 0.9489% | 225 |
| Net interest margin | 3.5548% | 3,255 |
| Noninterest income to average assets | -0.0902% | 5,956 |
| Noninterest expense to average assets | 2.7782% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3834% | 5,075 |
| Return on assets (ROA) | 0.3834% | 5,163 |
| Pretax return on assets | 0.4600% | 5,213 |
| Return on Equity (ROE) | 3.4182% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.4182% | 3,853 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7939% | 839 |
| Assets per employee ($millions) | 4.9153% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6342% | 5,559 |
| Loan loss allowance to noncurrent loans | 19.6203% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 2.8211% | 440 |
| Noncurrent loans to loans | 3.2322% | 437 |
| Net loans and leases to total assets | 65.8789% | 3,145 |
| Net loans and leases to deposits | 74.5692% | 3,542 |
| Net loans and leases to core deposits | 79.0665% | 3,544 |
| Total domestic deposits to total assets | 88.3460% | 1,215 |
| Equity capital to assets | 11.3624% | 2,639 |
| Core capital (leverage) ratio | 11.0399% | 2,408 |
| Tier 1 risk-based capital ratio | 19.3134% | 1,596 |
| Total risk-based capital ratio | 20.0374% | 1,683 |
| Memoranda: | ||
| Average total assets | $29,562,750 | 5,777 |
| Average earning assets | $27,680,000 | 5,756 |
| Average equity | $3,315,500 | 5,784 |
| Average total loans | $19,827,500 | 5,578 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4985% | 1,517 |
| Cost of funding earning assets | 0.9547% | 214 |
| Net interest margin | 3.5438% | 3,315 |
| Noninterest income to average assets | -0.2772% | 6,042 |
| Noninterest expense to average assets | 2.6634% | 3,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3177% | 5,266 |
| Return on assets (ROA) | 0.3177% | 5,353 |
| Pretax return on assets | 0.3718% | 5,389 |
| Return on Equity (ROE) | 2.8453% | 5,286 |
| Retained earnings to average equity (ytd only) | 2.8453% | 4,094 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7506% | 736 |
| Assets per employee ($millions) | 4.9613% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6196% | 5,655 |
| Loan loss allowance to noncurrent loans | 20.7705% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 2.6774% | 490 |
| Noncurrent loans to loans | 2.9832% | 504 |
| Net loans and leases to total assets | 66.8100% | 2,962 |
| Net loans and leases to deposits | 75.3790% | 3,448 |
| Net loans and leases to core deposits | 79.8651% | 3,470 |
| Total domestic deposits to total assets | 88.6321% | 1,095 |
| Equity capital to assets | 11.1294% | 2,915 |
| Core capital (leverage) ratio | 11.0205% | 2,414 |
| Tier 1 risk-based capital ratio | 19.0149% | 1,692 |
| Total risk-based capital ratio | 19.7360% | 1,767 |
| Memoranda: | ||
| Average total assets | $29,586,330 | 5,851 |
| Average earning assets | $27,653,670 | 5,825 |
| Average equity | $3,303,670 | 5,852 |
| Average total loans | $19,919,000 | 5,635 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 1,347 |
| Cost of funding earning assets | 0.9601% | 213 |
| Net interest margin | 3.6078% | 3,053 |
| Noninterest income to average assets | 0.2305% | 5,093 |
| Noninterest expense to average assets | 2.5902% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8951% | 2,780 |
| Return on assets (ROA) | 0.8951% | 2,904 |
| Pretax return on assets | 1.0035% | 3,468 |
| Return on Equity (ROE) | 8.0024% | 2,911 |
| Retained earnings to average equity (ytd only) | 8.0024% | 1,454 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0755% | 2,791 |
| Assets per employee ($millions) | 4.3067% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6195% | 5,717 |
| Loan loss allowance to noncurrent loans | 39.7436% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 2.2059% | 745 |
| Noncurrent loans to loans | 1.5588% | 1,496 |
| Net loans and leases to total assets | 65.9800% | 2,950 |
| Net loans and leases to deposits | 75.7897% | 3,243 |
| Net loans and leases to core deposits | 80.3255% | 3,292 |
| Total domestic deposits to total assets | 87.0568% | 2,186 |
| Equity capital to assets | 11.0525% | 2,882 |
| Core capital (leverage) ratio | 11.1653% | 2,252 |
| Tier 1 risk-based capital ratio | 19.0100% | 1,738 |
| Total risk-based capital ratio | 19.7355% | 1,816 |
| Memoranda: | ||
| Average total assets | $29,495,500 | 5,913 |
| Average earning assets | $27,496,000 | 5,887 |
| Average equity | $3,299,000 | 5,906 |
| Average total loans | $19,872,500 | 5,687 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6220% | 1,280 |
| Cost of funding earning assets | 1.0712% | 117 |
| Net interest margin | 3.5508% | 3,321 |
| Noninterest income to average assets | 0.2933% | 4,786 |
| Noninterest expense to average assets | 2.8840% | 2,918 |
| Loan and lease loss provision to assets | 0.0175% | 4,057 |
| Net operating income to assets | 0.6254% | 4,160 |
| Return on assets (ROA) | 0.6285% | 4,236 |
| Pretax return on assets | 0.7053% | 4,521 |
| Return on Equity (ROE) | 5.7034% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.7034% | 1,956 |
| Net charge-offs to loans | 0.0309% | 3,599 |
| Credit loss provision to net charge-offs | 83.3333% | 2,887 |
| Earnings coverage of net charge-offs (x) | 34.3333% | 1,318 |
| Efficiency ratio | 80.0388% | 1,669 |
| Assets per employee ($millions) | 4.1206% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6285% | 5,758 |
| Loan loss allowance to noncurrent loans | 31.4721% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 2.4476% | 637 |
| Noncurrent loans to loans | 1.9970% | 1,046 |
| Net loans and leases to total assets | 67.9725% | 2,704 |
| Net loans and leases to deposits | 76.8260% | 3,171 |
| Net loans and leases to core deposits | 81.5625% | 3,195 |
| Total domestic deposits to total assets | 88.4759% | 1,395 |
| Equity capital to assets | 11.3230% | 2,521 |
| Core capital (leverage) ratio | 11.0910% | 2,316 |
| Tier 1 risk-based capital ratio | 18.7004% | 1,774 |
| Total risk-based capital ratio | 19.4289% | 1,880 |
| Memoranda: | ||
| Average total assets | $28,641,000 | 5,982 |
| Average earning assets | $26,698,400 | 5,957 |
| Average equity | $3,156,000 | 5,978 |
| Average total loans | $19,397,400 | 5,746 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 1,490 |
| Cost of funding earning assets | 1.0857% | 114 |
| Net interest margin | 3.4521% | 3,741 |
| Noninterest income to average assets | 0.2985% | 4,803 |
| Noninterest expense to average assets | 2.9800% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4716% | 4,890 |
| Return on assets (ROA) | 0.4757% | 4,974 |
| Pretax return on assets | 0.5410% | 5,124 |
| Return on Equity (ROE) | 4.3471% | 4,889 |
| Retained earnings to average equity (ytd only) | 4.3471% | 3,377 |
| Net charge-offs to loans | 0.0414% | 3,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 19.1663% | 1,960 |
| Efficiency ratio | 84.7480% | 1,103 |
| Assets per employee ($millions) | 4.0323% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6161% | 5,869 |
| Loan loss allowance to noncurrent loans | 35.2071% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 2.3028% | 796 |
| Noncurrent loans to loans | 1.7499% | 1,360 |
| Net loans and leases to total assets | 68.0082% | 2,674 |
| Net loans and leases to deposits | 76.8178% | 3,219 |
| Net loans and leases to core deposits | 81.6399% | 3,291 |
| Total domestic deposits to total assets | 88.5319% | 1,286 |
| Equity capital to assets | 11.2946% | 2,705 |
| Core capital (leverage) ratio | 10.8407% | 2,656 |
| Tier 1 risk-based capital ratio | 18.8182% | 1,817 |
| Total risk-based capital ratio | 19.5394% | 1,920 |
| Memoranda: | ||
| Average total assets | $28,590,250 | 6,063 |
| Average earning assets | $26,649,750 | 6,038 |
| Average equity | $3,128,500 | 6,068 |
| Average total loans | $19,314,250 | 5,820 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 1,635 |
| Cost of funding earning assets | 1.0833% | 108 |
| Net interest margin | 3.3845% | 3,950 |
| Noninterest income to average assets | 0.2995% | 4,814 |
| Noninterest expense to average assets | 3.0092% | 2,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4110% | 5,105 |
| Return on assets (ROA) | 0.4110% | 5,208 |
| Pretax return on assets | 0.4458% | 5,362 |
| Return on Equity (ROE) | 3.7958% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.7958% | 3,591 |
| Net charge-offs to loans | 0.0414% | 2,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,933 |
| Efficiency ratio | 87.0968% | 969 |
| Assets per employee ($millions) | 3.6040% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6357% | 5,916 |
| Loan loss allowance to noncurrent loans | 32.0955% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 2.2371% | 920 |
| Noncurrent loans to loans | 1.9807% | 1,240 |
| Net loans and leases to total assets | 65.5973% | 3,020 |
| Net loans and leases to deposits | 73.8414% | 3,507 |
| Net loans and leases to core deposits | 78.3504% | 3,542 |
| Total domestic deposits to total assets | 88.8353% | 1,229 |
| Equity capital to assets | 10.9080% | 2,983 |
| Core capital (leverage) ratio | 10.6501% | 2,788 |
| Tier 1 risk-based capital ratio | 18.7027% | 1,871 |
| Total risk-based capital ratio | 19.4417% | 1,971 |
| Memoranda: | ||
| Average total assets | $28,711,670 | 6,129 |
| Average earning assets | $26,769,330 | 6,104 |
| Average equity | $3,108,670 | 6,132 |
| Average total loans | $19,314,000 | 5,877 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 1,636 |
| Cost of funding earning assets | 1.0950% | 102 |
| Net interest margin | 3.3450% | 4,044 |
| Noninterest income to average assets | 0.1955% | 5,541 |
| Noninterest expense to average assets | 3.1691% | 2,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0977% | 5,880 |
| Return on assets (ROA) | 0.0977% | 5,938 |
| Pretax return on assets | 0.1396% | 5,911 |
| Return on Equity (ROE) | 0.9060% | 5,930 |
| Retained earnings to average equity (ytd only) | 0.9060% | 5,104 |
| Net charge-offs to loans | 0.1028% | 1,704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,835 |
| Efficiency ratio | 95.7806% | 514 |
| Assets per employee ($millions) | 3.5881% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6254% | 6,026 |
| Loan loss allowance to noncurrent loans | 30.1508% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 2.5849% | 812 |
| Noncurrent loans to loans | 2.0742% | 1,243 |
| Net loans and leases to total assets | 66.4275% | 2,704 |
| Net loans and leases to deposits | 74.6418% | 3,211 |
| Net loans and leases to core deposits | 80.1918% | 3,133 |
| Total domestic deposits to total assets | 88.9949% | 1,274 |
| Equity capital to assets | 10.7786% | 3,221 |
| Core capital (leverage) ratio | 10.5365% | 2,914 |
| Tier 1 risk-based capital ratio | 18.2811% | 2,069 |
| Total risk-based capital ratio | 19.0136% | 2,180 |
| Memoranda: | ||
| Average total assets | $28,651,500 | 6,195 |
| Average earning assets | $26,667,000 | 6,170 |
| Average equity | $3,090,500 | 6,195 |
| Average total loans | $19,454,000 | 5,923 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 1,861 |
| Cost of funding earning assets | 1.1675% | 96 |
| Net interest margin | 3.3332% | 4,465 |
| Noninterest income to average assets | 0.2374% | 5,437 |
| Noninterest expense to average assets | 2.9859% | 2,885 |
| Loan and lease loss provision to assets | 0.0206% | 4,203 |
| Net operating income to assets | 0.3302% | 5,443 |
| Return on assets (ROA) | 0.3302% | 5,508 |
| Pretax return on assets | 0.3440% | 5,617 |
| Return on Equity (ROE) | 3.1593% | 5,419 |
| Retained earnings to average equity (ytd only) | 3.1593% | 3,987 |
| Net charge-offs to loans | 0.0877% | 3,234 |
| Credit loss provision to net charge-offs | 35.2941% | 3,760 |
| Earnings coverage of net charge-offs (x) | 6.2353% | 3,241 |
| Efficiency ratio | 89.1170% | 901 |
| Assets per employee ($millions) | 3.5748% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6339% | 6,095 |
| Loan loss allowance to noncurrent loans | 41.3907% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 2.2030% | 1,107 |
| Noncurrent loans to loans | 1.5314% | 1,918 |
| Net loans and leases to total assets | 68.5188% | 2,489 |
| Net loans and leases to deposits | 76.9941% | 3,088 |
| Net loans and leases to core deposits | 82.7387% | 3,026 |
| Total domestic deposits to total assets | 88.9922% | 1,242 |
| Equity capital to assets | 10.7945% | 3,125 |
| Core capital (leverage) ratio | 10.8365% | 2,575 |
| Tier 1 risk-based capital ratio | 18.5774% | 1,965 |
| Total risk-based capital ratio | 19.3477% | 2,070 |
| Memoranda: | ||
| Average total assets | $29,069,800 | 6,263 |
| Average earning assets | $27,151,200 | 6,237 |
| Average equity | $3,038,600 | 6,265 |
| Average total loans | $19,374,600 | 5,987 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 2,004 |
| Cost of funding earning assets | 1.1784% | 96 |
| Net interest margin | 3.2858% | 4,660 |
| Noninterest income to average assets | 0.2421% | 5,474 |
| Noninterest expense to average assets | 3.0149% | 2,757 |
| Loan and lease loss provision to assets | 0.0274% | 3,860 |
| Net operating income to assets | 0.2649% | 5,695 |
| Return on assets (ROA) | 0.2649% | 5,762 |
| Pretax return on assets | 0.2695% | 5,826 |
| Return on Equity (ROE) | 2.5551% | 5,694 |
| Retained earnings to average equity (ytd only) | 2.5551% | 4,764 |
| Net charge-offs to loans | 0.1244% | 2,564 |
| Credit loss provision to net charge-offs | 33.3333% | 3,398 |
| Earnings coverage of net charge-offs (x) | 3.6108% | 3,625 |
| Efficiency ratio | 91.0345% | 769 |
| Assets per employee ($millions) | 3.5788% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6192% | 6,199 |
| Loan loss allowance to noncurrent loans | 34.3490% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 2.3996% | 1,125 |
| Noncurrent loans to loans | 1.8027% | 1,795 |
| Net loans and leases to total assets | 69.5145% | 2,268 |
| Net loans and leases to deposits | 77.9828% | 2,953 |
| Net loans and leases to core deposits | 82.8215% | 3,022 |
| Total domestic deposits to total assets | 89.1408% | 1,156 |
| Equity capital to assets | 10.6497% | 3,371 |
| Core capital (leverage) ratio | 10.5828% | 2,947 |
| Tier 1 risk-based capital ratio | 18.1900% | 2,150 |
| Total risk-based capital ratio | 18.9417% | 2,282 |
| Memoranda: | ||
| Average total assets | $29,187,750 | 6,338 |
| Average earning assets | $27,268,500 | 6,306 |
| Average equity | $3,026,500 | 6,339 |
| Average total loans | $19,288,250 | 6,055 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 2,071 |
| Cost of funding earning assets | 1.1870% | 96 |
| Net interest margin | 3.2406% | 4,806 |
| Noninterest income to average assets | 0.2451% | 5,446 |
| Noninterest expense to average assets | 2.9686% | 2,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3200% | 5,496 |
| Return on assets (ROA) | 0.3200% | 5,576 |
| Pretax return on assets | 0.3064% | 5,770 |
| Return on Equity (ROE) | 3.1136% | 5,487 |
| Retained earnings to average equity (ytd only) | 3.1136% | 4,223 |
| Net charge-offs to loans | 0.1785% | 1,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.6471% | 3,502 |
| Efficiency ratio | 90.6445% | 865 |
| Assets per employee ($millions) | 3.6211% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6240% | 6,279 |
| Loan loss allowance to noncurrent loans | 32.3370% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 2.3335% | 1,262 |
| Noncurrent loans to loans | 1.9295% | 1,764 |
| Net loans and leases to total assets | 65.4251% | 2,846 |
| Net loans and leases to deposits | 73.2936% | 3,418 |
| Net loans and leases to core deposits | 77.7750% | 3,465 |
| Total domestic deposits to total assets | 89.2644% | 1,215 |
| Equity capital to assets | 10.4905% | 3,451 |
| Core capital (leverage) ratio | 10.3671% | 3,118 |
| Tier 1 risk-based capital ratio | 18.7269% | 1,995 |
| Total risk-based capital ratio | 19.4725% | 2,122 |
| Memoranda: | ||
| Average total assets | $29,373,670 | 6,395 |
| Average earning assets | $27,463,670 | 6,364 |
| Average equity | $3,019,000 | 6,389 |
| Average total loans | $19,042,330 | 6,114 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 1,987 |
| Cost of funding earning assets | 1.1137% | 151 |
| Net interest margin | 3.3265% | 4,438 |
| Noninterest income to average assets | 0.2029% | 5,731 |
| Noninterest expense to average assets | 2.8131% | 3,514 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4869% | 4,752 |
| Return on assets (ROA) | 0.4869% | 4,827 |
| Pretax return on assets | 0.5004% | 5,166 |
| Return on Equity (ROE) | 4.7856% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.7856% | 3,241 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8980% | 1,564 |
| Assets per employee ($millions) | 3.6924% | 4,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7301% | 6,227 |
| Loan loss allowance to noncurrent loans | 16.4848% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 3.8661% | 636 |
| Noncurrent loans to loans | 4.4288% | 556 |
| Net loans and leases to total assets | 62.6020% | 3,141 |
| Net loans and leases to deposits | 69.8893% | 3,619 |
| Net loans and leases to core deposits | 74.9422% | 3,533 |
| Total domestic deposits to total assets | 89.5731% | 1,327 |
| Equity capital to assets | 10.2475% | 3,543 |
| Core capital (leverage) ratio | 10.3159% | 3,157 |
| Tier 1 risk-based capital ratio | 18.8211% | 2,025 |
| Total risk-based capital ratio | 19.6792% | 2,106 |
| Memoranda: | ||
| Average total assets | $29,576,000 | 6,457 |
| Average earning assets | $27,656,500 | 6,427 |
| Average equity | $3,009,000 | 6,444 |
| Average total loans | $19,027,500 | 6,180 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3654% | 2,712 |
| Cost of funding earning assets | 1.2437% | 141 |
| Net interest margin | 3.1217% | 5,253 |
| Noninterest income to average assets | 0.2528% | 5,536 |
| Noninterest expense to average assets | 2.9370% | 3,243 |
| Loan and lease loss provision to assets | 0.2195% | 1,663 |
| Net operating income to assets | 0.0466% | 6,138 |
| Return on assets (ROA) | 0.0499% | 6,178 |
| Pretax return on assets | 0.0299% | 6,187 |
| Return on Equity (ROE) | 0.5020% | 6,167 |
| Retained earnings to average equity (ytd only) | 0.5020% | 5,616 |
| Net charge-offs to loans | 0.4938% | 1,343 |
| Credit loss provision to net charge-offs | 68.0412% | 3,357 |
| Earnings coverage of net charge-offs (x) | 0.7629% | 4,835 |
| Efficiency ratio | 92.2675% | 860 |
| Assets per employee ($millions) | 3.7016% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7001% | 6,344 |
| Loan loss allowance to noncurrent loans | 15.3326% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 4.1367% | 631 |
| Noncurrent loans to loans | 4.5658% | 579 |
| Net loans and leases to total assets | 65.1437% | 2,834 |
| Net loans and leases to deposits | 72.6263% | 3,443 |
| Net loans and leases to core deposits | 77.7706% | 3,397 |
| Total domestic deposits to total assets | 89.6971% | 1,222 |
| Equity capital to assets | 10.1003% | 3,639 |
| Core capital (leverage) ratio | 10.1030% | 3,425 |
| Tier 1 risk-based capital ratio | 17.7108% | 2,338 |
| Total risk-based capital ratio | 18.5279% | 2,474 |
| Memoranda: | ||
| Average total assets | $30,064,800 | 6,512 |
| Average earning assets | $28,222,200 | 6,482 |
| Average equity | $2,988,200 | 6,533 |
| Average total loans | $19,645,000 | 6,222 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3764% | 2,666 |
| Cost of funding earning assets | 1.2551% | 155 |
| Net interest margin | 3.1213% | 5,262 |
| Noninterest income to average assets | 0.2562% | 5,606 |
| Noninterest expense to average assets | 2.9867% | 3,039 |
| Loan and lease loss provision to assets | 0.1856% | 1,962 |
| Net operating income to assets | 0.0530% | 6,216 |
| Return on assets (ROA) | 0.0574% | 6,265 |
| Pretax return on assets | 0.0221% | 6,301 |
| Return on Equity (ROE) | 0.5801% | 6,256 |
| Retained earnings to average equity (ytd only) | 0.5801% | 5,736 |
| Net charge-offs to loans | 0.6362% | 968 |
| Credit loss provision to net charge-offs | 44.6809% | 3,620 |
| Earnings coverage of net charge-offs (x) | 0.4893% | 4,698 |
| Efficiency ratio | 93.6288% | 759 |
| Assets per employee ($millions) | 3.7481% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6041% | 6,553 |
| Loan loss allowance to noncurrent loans | 46.9388% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 1.9476% | 2,086 |
| Noncurrent loans to loans | 1.2870% | 3,257 |
| Net loans and leases to total assets | 63.1016% | 3,148 |
| Net loans and leases to deposits | 70.2417% | 3,751 |
| Net loans and leases to core deposits | 75.1251% | 3,717 |
| Total domestic deposits to total assets | 89.8349% | 1,091 |
| Equity capital to assets | 9.9683% | 3,943 |
| Core capital (leverage) ratio | 10.0077% | 3,669 |
| Tier 1 risk-based capital ratio | 18.1846% | 2,254 |
| Total risk-based capital ratio | 18.8964% | 2,429 |
| Memoranda: | ||
| Average total assets | $30,177,750 | 6,583 |
| Average earning assets | $28,363,250 | 6,553 |
| Average equity | $2,987,500 | 6,609 |
| Average total loans | $19,699,500 | 6,283 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 2,595 |
| Cost of funding earning assets | 1.2719% | 165 |
| Net interest margin | 3.1200% | 5,220 |
| Noninterest income to average assets | 0.2513% | 5,649 |
| Noninterest expense to average assets | 2.9892% | 3,035 |
| Loan and lease loss provision to assets | 0.2116% | 1,792 |
| Net operating income to assets | 0.0487% | 6,245 |
| Return on assets (ROA) | 0.0529% | 6,314 |
| Pretax return on assets | -0.0066% | 6,361 |
| Return on Equity (ROE) | 0.5357% | 6,305 |
| Retained earnings to average equity (ytd only) | 0.5357% | 5,690 |
| Net charge-offs to loans | 0.6827% | 964 |
| Credit loss provision to net charge-offs | 47.0588% | 3,272 |
| Earnings coverage of net charge-offs (x) | 0.4412% | 4,393 |
| Efficiency ratio | 93.7759% | 772 |
| Assets per employee ($millions) | 3.7788% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6949% | 6,499 |
| Loan loss allowance to noncurrent loans | 41.0658% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 2.0245% | 2,130 |
| Noncurrent loans to loans | 1.6921% | 2,776 |
| Net loans and leases to total assets | 61.9285% | 3,297 |
| Net loans and leases to deposits | 68.8779% | 3,878 |
| Net loans and leases to core deposits | 72.6690% | 3,963 |
| Total domestic deposits to total assets | 89.9107% | 1,074 |
| Equity capital to assets | 9.8710% | 4,095 |
| Core capital (leverage) ratio | 9.8651% | 3,695 |
| Tier 1 risk-based capital ratio | 18.2062% | 2,241 |
| Total risk-based capital ratio | 19.0177% | 2,374 |
| Memoranda: | ||
| Average total assets | $30,242,000 | 6,630 |
| Average earning assets | $28,461,330 | 6,598 |
| Average equity | $2,987,000 | 6,658 |
| Average total loans | $19,920,670 | 6,307 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5157% | 2,112 |
| Cost of funding earning assets | 1.3182% | 142 |
| Net interest margin | 3.1974% | 4,944 |
| Noninterest income to average assets | 0.1984% | 6,057 |
| Noninterest expense to average assets | 2.9622% | 3,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2513% | 5,721 |
| Return on assets (ROA) | 0.2645% | 5,805 |
| Pretax return on assets | 0.2645% | 5,921 |
| Return on Equity (ROE) | 2.6769% | 5,714 |
| Retained earnings to average equity (ytd only) | 2.6769% | 4,682 |
| Net charge-offs to loans | 0.1760% | 2,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.1111% | 3,126 |
| Efficiency ratio | 92.1811% | 963 |
| Assets per employee ($millions) | 3.8014% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7856% | 6,481 |
| Loan loss allowance to noncurrent loans | 24.7261% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 2.3972% | 1,937 |
| Noncurrent loans to loans | 3.1774% | 1,557 |
| Net loans and leases to total assets | 65.6111% | 2,441 |
| Net loans and leases to deposits | 72.9356% | 3,061 |
| Net loans and leases to core deposits | 76.9020% | 3,218 |
| Total domestic deposits to total assets | 89.9576% | 1,076 |
| Equity capital to assets | 9.8616% | 4,333 |
| Core capital (leverage) ratio | 9.9638% | 3,433 |
| Tier 1 risk-based capital ratio | 17.6287% | 2,508 |
| Total risk-based capital ratio | 18.5751% | 2,600 |
| Memoranda: | ||
| Average total assets | $30,248,000 | 6,700 |
| Average earning assets | $28,523,000 | 6,660 |
| Average equity | $2,988,500 | 6,724 |
| Average total loans | $20,455,000 | 6,337 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 2,223 |
| Cost of funding earning assets | 1.6155% | 102 |
| Net interest margin | 3.1777% | 5,622 |
| Noninterest income to average assets | 0.2213% | 5,854 |
| Noninterest expense to average assets | 2.8230% | 3,934 |
| Loan and lease loss provision to assets | 0.0838% | 4,653 |
| Net operating income to assets | 0.3822% | 5,171 |
| Return on assets (ROA) | 0.3856% | 5,391 |
| Pretax return on assets | 0.3185% | 5,784 |
| Return on Equity (ROE) | 3.9319% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.9319% | 3,435 |
| Net charge-offs to loans | 0.0946% | 4,722 |
| Credit loss provision to net charge-offs | 125.0000% | 2,264 |
| Earnings coverage of net charge-offs (x) | 5.9500% | 2,910 |
| Efficiency ratio | 87.6171% | 1,273 |
| Assets per employee ($millions) | 3.7606% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8029% | 6,483 |
| Loan loss allowance to noncurrent loans | 22.5676% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 2.9649% | 1,600 |
| Noncurrent loans to loans | 3.5579% | 1,391 |
| Net loans and leases to total assets | 68.5790% | 2,090 |
| Net loans and leases to deposits | 76.2679% | 2,759 |
| Net loans and leases to core deposits | 80.4555% | 2,947 |
| Total domestic deposits to total assets | 89.9186% | 994 |
| Equity capital to assets | 9.8986% | 4,314 |
| Core capital (leverage) ratio | 10.1462% | 3,207 |
| Tier 1 risk-based capital ratio | 17.1002% | 2,601 |
| Total risk-based capital ratio | 18.0764% | 2,698 |
| Memoranda: | ||
| Average total assets | $29,826,600 | 6,757 |
| Average earning assets | $28,164,800 | 6,712 |
| Average equity | $2,924,800 | 6,802 |
| Average total loans | $21,138,200 | 6,373 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8140% | 2,343 |
| Cost of funding earning assets | 1.6648% | 98 |
| Net interest margin | 3.1493% | 5,824 |
| Noninterest income to average assets | 0.2240% | 5,949 |
| Noninterest expense to average assets | 2.7865% | 4,028 |
| Loan and lease loss provision to assets | 0.0672% | 4,846 |
| Net operating income to assets | 0.4525% | 5,027 |
| Return on assets (ROA) | 0.4525% | 5,270 |
| Pretax return on assets | 0.3449% | 5,856 |
| Return on Equity (ROE) | 4.6251% | 4,994 |
| Retained earnings to average equity (ytd only) | 4.6251% | 3,644 |
| Net charge-offs to loans | 0.0691% | 4,725 |
| Credit loss provision to net charge-offs | 136.3636% | 2,113 |
| Earnings coverage of net charge-offs (x) | 8.3613% | 2,458 |
| Efficiency ratio | 87.1148% | 1,290 |
| Assets per employee ($millions) | 3.6459% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 6,648 |
| Loan loss allowance to noncurrent loans | 19.9519% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 3.1063% | 1,674 |
| Noncurrent loans to loans | 3.8920% | 1,331 |
| Net loans and leases to total assets | 72.7226% | 1,432 |
| Net loans and leases to deposits | 81.1035% | 2,238 |
| Net loans and leases to core deposits | 85.6941% | 2,500 |
| Total domestic deposits to total assets | 89.6664% | 1,039 |
| Equity capital to assets | 10.1622% | 4,256 |
| Core capital (leverage) ratio | 10.0652% | 3,450 |
| Tier 1 risk-based capital ratio | 16.7439% | 2,877 |
| Total risk-based capital ratio | 17.7042% | 2,993 |
| Memoranda: | ||
| Average total assets | $29,762,000 | 6,846 |
| Average earning assets | $28,111,500 | 6,801 |
| Average equity | $2,911,500 | 6,894 |
| Average total loans | $21,223,000 | 6,455 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 2,586 |
| Cost of funding earning assets | 1.7176% | 97 |
| Net interest margin | 3.0606% | 6,101 |
| Noninterest income to average assets | 0.2203% | 5,993 |
| Noninterest expense to average assets | 2.7036% | 4,404 |
| Loan and lease loss provision to assets | 0.0668% | 4,797 |
| Net operating income to assets | 0.5274% | 4,689 |
| Return on assets (ROA) | 0.5274% | 4,966 |
| Pretax return on assets | 0.3405% | 5,859 |
| Return on Equity (ROE) | 5.4596% | 4,601 |
| Retained earnings to average equity (ytd only) | 5.4596% | 3,012 |
| Net charge-offs to loans | 0.0378% | 4,846 |
| Credit loss provision to net charge-offs | 250.0000% | 1,149 |
| Earnings coverage of net charge-offs (x) | 15.2500% | 1,654 |
| Efficiency ratio | 86.9099% | 1,350 |
| Assets per employee ($millions) | 3.7041% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 6,687 |
| Loan loss allowance to noncurrent loans | 23.2687% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 2.6052% | 2,128 |
| Noncurrent loans to loans | 3.4110% | 1,697 |
| Net loans and leases to total assets | 70.8636% | 1,766 |
| Net loans and leases to deposits | 78.8340% | 2,546 |
| Net loans and leases to core deposits | 83.2006% | 2,801 |
| Total domestic deposits to total assets | 89.8897% | 986 |
| Equity capital to assets | 9.9281% | 4,451 |
| Core capital (leverage) ratio | 9.8441% | 3,653 |
| Tier 1 risk-based capital ratio | 16.6469% | 2,832 |
| Total risk-based capital ratio | 17.6201% | 2,944 |
| Memoranda: | ||
| Average total assets | $29,960,330 | 6,892 |
| Average earning assets | $28,295,330 | 6,844 |
| Average equity | $2,894,000 | 6,933 |
| Average total loans | $21,171,670 | 6,505 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7422% | 2,874 |
| Cost of funding earning assets | 1.7731% | 94 |
| Net interest margin | 2.9692% | 6,360 |
| Noninterest income to average assets | 0.2125% | 6,102 |
| Noninterest expense to average assets | 2.6424% | 4,656 |
| Loan and lease loss provision to assets | 0.1328% | 3,695 |
| Net operating income to assets | 0.2390% | 5,858 |
| Return on assets (ROA) | 0.2390% | 6,005 |
| Pretax return on assets | 0.2390% | 6,113 |
| Return on Equity (ROE) | 2.5087% | 5,902 |
| Retained earnings to average equity (ytd only) | 2.5087% | 5,005 |
| Net charge-offs to loans | 0.1133% | 3,442 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,525 |
| Efficiency ratio | 87.6652% | 1,313 |
| Assets per employee ($millions) | 3.7709% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7936% | 6,755 |
| Loan loss allowance to noncurrent loans | 21.9287% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 2.7746% | 2,110 |
| Noncurrent loans to loans | 3.6189% | 1,718 |
| Net loans and leases to total assets | 68.7904% | 1,971 |
| Net loans and leases to deposits | 76.1541% | 2,775 |
| Net loans and leases to core deposits | 80.2475% | 3,046 |
| Total domestic deposits to total assets | 90.3305% | 895 |
| Equity capital to assets | 9.5435% | 4,734 |
| Core capital (leverage) ratio | 9.6108% | 3,899 |
| Tier 1 risk-based capital ratio | 16.3061% | 3,015 |
| Total risk-based capital ratio | 17.2689% | 3,134 |
| Memoranda: | ||
| Average total assets | $30,124,000 | 6,947 |
| Average earning assets | $28,425,500 | 6,895 |
| Average equity | $2,870,000 | 6,987 |
| Average total loans | $21,174,000 | 6,548 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9856% | 2,943 |
| Cost of funding earning assets | 2.0091% | 97 |
| Net interest margin | 2.9765% | 6,564 |
| Noninterest income to average assets | 0.2606% | 5,674 |
| Noninterest expense to average assets | 2.6691% | 4,853 |
| Loan and lease loss provision to assets | 1.2327% | 698 |
| Net operating income to assets | -0.7149% | 6,613 |
| Return on assets (ROA) | -0.7149% | 6,645 |
| Pretax return on assets | -0.8251% | 6,657 |
| Return on Equity (ROE) | -6.9980% | 6,635 |
| Retained earnings to average equity (ytd only) | -6.9980% | 6,573 |
| Net charge-offs to loans | 1.9461% | 725 |
| Credit loss provision to net charge-offs | 88.7019% | 4,070 |
| Earnings coverage of net charge-offs (x) | 0.2933% | 5,607 |
| Efficiency ratio | 86.7535% | 1,473 |
| Assets per employee ($millions) | 4.2973% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7559% | 6,827 |
| Loan loss allowance to noncurrent loans | 17.7632% | 6,680 |
| Noncurrent assets plus other real estate owned to assets | 3.3210% | 1,788 |
| Noncurrent loans to loans | 4.2557% | 1,438 |
| Net loans and leases to total assets | 70.7024% | 1,884 |
| Net loans and leases to deposits | 78.2689% | 2,789 |
| Net loans and leases to core deposits | 81.6085% | 3,232 |
| Total domestic deposits to total assets | 90.3328% | 797 |
| Equity capital to assets | 9.5110% | 4,876 |
| Core capital (leverage) ratio | 9.5427% | 3,956 |
| Tier 1 risk-based capital ratio | 15.7544% | 3,186 |
| Total risk-based capital ratio | 16.6685% | 3,333 |
| Memoranda: | ||
| Average total assets | $29,935,000 | 6,973 |
| Average earning assets | $28,321,800 | 6,912 |
| Average equity | $3,058,000 | 6,998 |
| Average total loans | $21,375,600 | 6,583 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0083% | 3,045 |
| Cost of funding earning assets | 2.0542% | 95 |
| Net interest margin | 2.9541% | 6,663 |
| Noninterest income to average assets | 0.2676% | 5,702 |
| Noninterest expense to average assets | 2.7738% | 4,452 |
| Loan and lease loss provision to assets | 0.0223% | 6,165 |
| Net operating income to assets | 0.2943% | 5,418 |
| Return on assets (ROA) | 0.2943% | 5,589 |
| Pretax return on assets | 0.2676% | 5,776 |
| Return on Equity (ROE) | 2.8321% | 5,491 |
| Retained earnings to average equity (ytd only) | 2.8321% | 4,658 |
| Net charge-offs to loans | 0.1248% | 4,792 |
| Credit loss provision to net charge-offs | 25.0000% | 5,489 |
| Earnings coverage of net charge-offs (x) | 3.2493% | 3,523 |
| Efficiency ratio | 90.5386% | 1,135 |
| Assets per employee ($millions) | 4.2487% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 6,612 |
| Loan loss allowance to noncurrent loans | 14.9576% | 6,820 |
| Noncurrent assets plus other real estate owned to assets | 4.5728% | 1,306 |
| Noncurrent loans to loans | 5.9858% | 932 |
| Net loans and leases to total assets | 72.2034% | 1,667 |
| Net loans and leases to deposits | 80.8905% | 2,537 |
| Net loans and leases to core deposits | 84.4004% | 3,004 |
| Total domestic deposits to total assets | 89.2606% | 1,278 |
| Equity capital to assets | 10.5645% | 3,627 |
| Core capital (leverage) ratio | 10.5277% | 2,835 |
| Tier 1 risk-based capital ratio | 17.0752% | 2,616 |
| Total risk-based capital ratio | 18.1512% | 2,646 |
| Memoranda: | ||
| Average total assets | $29,898,500 | 7,042 |
| Average earning assets | $28,299,250 | 6,987 |
| Average equity | $3,107,250 | 7,048 |
| Average total loans | $21,362,000 | 6,656 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 3,246 |
| Cost of funding earning assets | 2.0957% | 103 |
| Net interest margin | 2.8859% | 6,812 |
| Noninterest income to average assets | 0.2671% | 5,742 |
| Noninterest expense to average assets | 2.7311% | 4,702 |
| Loan and lease loss provision to assets | 0.0334% | 5,900 |
| Net operating income to assets | 0.3138% | 5,315 |
| Return on assets (ROA) | 0.3138% | 5,456 |
| Pretax return on assets | 0.2337% | 5,852 |
| Return on Equity (ROE) | 3.0365% | 5,377 |
| Retained earnings to average equity (ytd only) | 3.0365% | 4,347 |
| Net charge-offs to loans | 0.1881% | 4,030 |
| Credit loss provision to net charge-offs | 25.0000% | 5,061 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,870 |
| Efficiency ratio | 91.0913% | 1,159 |
| Assets per employee ($millions) | 4.2791% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 6,549 |
| Loan loss allowance to noncurrent loans | 15.6452% | 6,846 |
| Noncurrent assets plus other real estate owned to assets | 4.3500% | 1,457 |
| Noncurrent loans to loans | 6.0025% | 993 |
| Net loans and leases to total assets | 68.3181% | 2,555 |
| Net loans and leases to deposits | 76.4552% | 3,387 |
| Net loans and leases to core deposits | 79.7350% | 3,821 |
| Total domestic deposits to total assets | 89.3570% | 1,327 |
| Equity capital to assets | 10.4260% | 3,610 |
| Core capital (leverage) ratio | 10.2933% | 2,942 |
| Tier 1 risk-based capital ratio | 17.8661% | 2,220 |
| Total risk-based capital ratio | 18.9931% | 2,214 |
| Memoranda: | ||
| Average total assets | $29,951,000 | 7,110 |
| Average earning assets | $28,344,330 | 7,050 |
| Average equity | $3,095,670 | 7,105 |
| Average total loans | $21,260,000 | 6,735 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9703% | 3,248 |
| Cost of funding earning assets | 2.1604% | 97 |
| Net interest margin | 2.8099% | 6,889 |
| Noninterest income to average assets | 0.2404% | 5,980 |
| Noninterest expense to average assets | 2.7914% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1870% | 5,827 |
| Return on assets (ROA) | 0.1870% | 5,887 |
| Pretax return on assets | 0.1068% | 6,154 |
| Return on Equity (ROE) | 1.8170% | 5,857 |
| Retained earnings to average equity (ytd only) | 1.8170% | 5,024 |
| Net charge-offs to loans | 0.3710% | 2,581 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.4000% | 4,319 |
| Efficiency ratio | 96.3134% | 904 |
| Assets per employee ($millions) | 4.3926% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 6,715 |
| Loan loss allowance to noncurrent loans | 15.4160% | 6,909 |
| Noncurrent assets plus other real estate owned to assets | 4.1238% | 1,610 |
| Noncurrent loans to loans | 5.7948% | 1,113 |
| Net loans and leases to total assets | 68.1931% | 2,507 |
| Net loans and leases to deposits | 75.9518% | 3,427 |
| Net loans and leases to core deposits | 80.2910% | 3,707 |
| Total domestic deposits to total assets | 89.7847% | 1,300 |
| Equity capital to assets | 10.0462% | 3,717 |
| Core capital (leverage) ratio | 10.3565% | 2,754 |
| Tier 1 risk-based capital ratio | 17.0019% | 2,474 |
| Total risk-based capital ratio | 18.0546% | 2,515 |
| Memoranda: | ||
| Average total assets | $29,949,500 | 7,150 |
| Average earning assets | $28,328,500 | 7,097 |
| Average equity | $3,082,000 | 7,145 |
| Average total loans | $21,561,000 | 6,767 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4710% | 2,395 |
| Cost of funding earning assets | 2.5902% | 77 |
| Net interest margin | 2.8808% | 6,923 |
| Noninterest income to average assets | 0.2504% | 6,009 |
| Noninterest expense to average assets | 2.6545% | 5,196 |
| Loan and lease loss provision to assets | 0.4630% | 3,352 |
| Net operating income to assets | -0.0926% | 5,981 |
| Return on assets (ROA) | -0.0926% | 6,043 |
| Pretax return on assets | -0.1475% | 6,042 |
| Return on Equity (ROE) | -0.8720% | 6,056 |
| Retained earnings to average equity (ytd only) | -0.8720% | 5,784 |
| Net charge-offs to loans | 0.4297% | 3,899 |
| Credit loss provision to net charge-offs | 148.3516% | 2,455 |
| Earnings coverage of net charge-offs (x) | 1.0110% | 5,100 |
| Efficiency ratio | 89.3764% | 1,372 |
| Assets per employee ($millions) | 4.1644% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 6,574 |
| Loan loss allowance to noncurrent loans | 35.2445% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 2.3224% | 2,943 |
| Noncurrent loans to loans | 2.6997% | 2,819 |
| Net loans and leases to total assets | 74.6321% | 1,552 |
| Net loans and leases to deposits | 83.6255% | 2,507 |
| Net loans and leases to core deposits | 88.7059% | 2,944 |
| Total domestic deposits to total assets | 89.2457% | 1,517 |
| Equity capital to assets | 10.5485% | 3,107 |
| Core capital (leverage) ratio | 10.4787% | 2,584 |
| Tier 1 risk-based capital ratio | 16.4374% | 2,546 |
| Total risk-based capital ratio | 17.5668% | 2,565 |
| Memoranda: | ||
| Average total assets | $29,157,800 | 7,234 |
| Average earning assets | $27,527,000 | 7,174 |
| Average equity | $3,096,400 | 7,252 |
| Average total loans | $21,175,800 | 6,862 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4602% | 2,600 |
| Cost of funding earning assets | 2.6429% | 78 |
| Net interest margin | 2.8172% | 7,111 |
| Noninterest income to average assets | 0.2560% | 6,067 |
| Noninterest expense to average assets | 2.6749% | 4,986 |
| Loan and lease loss provision to assets | 0.3201% | 4,029 |
| Net operating income to assets | 0.0092% | 5,985 |
| Return on assets (ROA) | 0.0092% | 6,109 |
| Pretax return on assets | -0.0777% | 6,200 |
| Return on Equity (ROE) | 0.0861% | 6,107 |
| Retained earnings to average equity (ytd only) | 0.0861% | 5,745 |
| Net charge-offs to loans | 0.0572% | 5,946 |
| Credit loss provision to net charge-offs | 777.7778% | 382 |
| Earnings coverage of net charge-offs (x) | 5.8883% | 2,653 |
| Efficiency ratio | 91.6928% | 1,154 |
| Assets per employee ($millions) | 4.1736% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 6,209 |
| Loan loss allowance to noncurrent loans | 55.3922% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.3965% | 4,363 |
| Noncurrent loans to loans | 1.8802% | 3,826 |
| Net loans and leases to total assets | 73.5033% | 1,912 |
| Net loans and leases to deposits | 82.5130% | 3,011 |
| Net loans and leases to core deposits | 87.1793% | 3,496 |
| Total domestic deposits to total assets | 89.0810% | 1,352 |
| Equity capital to assets | 10.6247% | 3,380 |
| Core capital (leverage) ratio | 10.5035% | 2,682 |
| Tier 1 risk-based capital ratio | 16.8763% | 2,386 |
| Total risk-based capital ratio | 18.1229% | 2,348 |
| Memoranda: | ||
| Average total assets | $29,159,500 | 7,320 |
| Average earning assets | $27,544,250 | 7,261 |
| Average equity | $3,101,750 | 7,338 |
| Average total loans | $20,978,500 | 6,961 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4528% | 2,736 |
| Cost of funding earning assets | 2.6755% | 101 |
| Net interest margin | 2.7773% | 7,176 |
| Noninterest income to average assets | 0.2402% | 6,189 |
| Noninterest expense to average assets | 2.5668% | 5,465 |
| Loan and lease loss provision to assets | 0.4804% | 2,904 |
| Net operating income to assets | -0.0412% | 6,137 |
| Return on assets (ROA) | -0.0412% | 6,226 |
| Pretax return on assets | -0.1853% | 6,324 |
| Return on Equity (ROE) | -0.3870% | 6,233 |
| Retained earnings to average equity (ytd only) | -0.3870% | 5,814 |
| Net charge-offs to loans | 0.0868% | 5,272 |
| Credit loss provision to net charge-offs | 777.7778% | 476 |
| Earnings coverage of net charge-offs (x) | 4.7778% | 2,845 |
| Efficiency ratio | 89.6882% | 1,362 |
| Assets per employee ($millions) | 4.2066% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 6,056 |
| Loan loss allowance to noncurrent loans | 77.9310% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.0188% | 5,103 |
| Noncurrent loans to loans | 1.3802% | 4,634 |
| Net loans and leases to total assets | 70.5868% | 2,774 |
| Net loans and leases to deposits | 79.1689% | 3,762 |
| Net loans and leases to core deposits | 84.4678% | 4,074 |
| Total domestic deposits to total assets | 89.1598% | 1,346 |
| Equity capital to assets | 10.5142% | 3,394 |
| Core capital (leverage) ratio | 10.4792% | 2,645 |
| Tier 1 risk-based capital ratio | 17.1046% | 2,236 |
| Total risk-based capital ratio | 18.3659% | 2,189 |
| Memoranda: | ||
| Average total assets | $29,141,000 | 7,381 |
| Average earning assets | $27,509,000 | 7,317 |
| Average equity | $3,101,000 | 7,385 |
| Average total loans | $20,738,000 | 7,024 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5038% | 2,562 |
| Cost of funding earning assets | 2.6934% | 123 |
| Net interest margin | 2.8105% | 7,166 |
| Noninterest income to average assets | 0.2346% | 6,275 |
| Noninterest expense to average assets | 2.5665% | 5,490 |
| Loan and lease loss provision to assets | 0.1380% | 5,176 |
| Net operating income to assets | 0.1518% | 5,851 |
| Return on assets (ROA) | 0.1518% | 5,978 |
| Pretax return on assets | 0.1794% | 5,950 |
| Return on Equity (ROE) | 1.4178% | 5,988 |
| Retained earnings to average equity (ytd only) | 1.4178% | 5,232 |
| Net charge-offs to loans | 0.1359% | 4,132 |
| Credit loss provision to net charge-offs | 142.8571% | 2,488 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 2,951 |
| Efficiency ratio | 88.9952% | 1,508 |
| Assets per employee ($millions) | 4.1737% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 7,047 |
| Loan loss allowance to noncurrent loans | 83.1683% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.7256% | 5,713 |
| Noncurrent loans to loans | 1.0016% | 5,321 |
| Net loans and leases to total assets | 68.4556% | 3,284 |
| Net loans and leases to deposits | 76.8226% | 4,253 |
| Net loans and leases to core deposits | 81.9840% | 4,487 |
| Total domestic deposits to total assets | 89.1087% | 1,466 |
| Equity capital to assets | 10.6414% | 3,102 |
| Core capital (leverage) ratio | 10.7768% | 2,385 |
| Tier 1 risk-based capital ratio | 17.6167% | 2,045 |
| Total risk-based capital ratio | 18.5687% | 2,104 |
| Memoranda: | ||
| Average total assets | $28,988,500 | 7,478 |
| Average earning assets | $27,326,500 | 7,414 |
| Average equity | $3,103,500 | 7,465 |
| Average total loans | $20,601,500 | 7,119 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7848% | 2,721 |
| Cost of funding earning assets | 2.8735% | 339 |
| Net interest margin | 2.9113% | 6,842 |
| Noninterest income to average assets | 0.2640% | 6,227 |
| Noninterest expense to average assets | 2.6618% | 5,546 |
| Loan and lease loss provision to assets | 0.1070% | 6,572 |
| Net operating income to assets | 0.2426% | 4,749 |
| Return on assets (ROA) | 0.2426% | 4,831 |
| Pretax return on assets | 0.2462% | 4,898 |
| Return on Equity (ROE) | 2.2180% | 4,823 |
| Retained earnings to average equity (ytd only) | 2.2180% | 3,559 |
| Net charge-offs to loans | 0.1433% | 5,806 |
| Credit loss provision to net charge-offs | 103.4483% | 5,338 |
| Earnings coverage of net charge-offs (x) | 3.4138% | 3,354 |
| Efficiency ratio | 88.2840% | 1,856 |
| Assets per employee ($millions) | 4.1087% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7844% | 7,178 |
| Loan loss allowance to noncurrent loans | 43.7666% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 1.6481% | 3,905 |
| Noncurrent loans to loans | 1.7923% | 3,952 |
| Net loans and leases to total assets | 72.5635% | 2,616 |
| Net loans and leases to deposits | 81.5872% | 3,679 |
| Net loans and leases to core deposits | 124.1966% | 1,622 |
| Total domestic deposits to total assets | 88.9399% | 1,505 |
| Equity capital to assets | 10.7715% | 2,898 |
| Core capital (leverage) ratio | 10.9838% | 2,232 |
| Tier 1 risk-based capital ratio | 17.0418% | 2,139 |
| Total risk-based capital ratio | 17.9497% | 2,202 |
| Memoranda: | ||
| Average total assets | $28,026,200 | 7,547 |
| Average earning assets | $26,483,400 | 7,484 |
| Average equity | $3,065,800 | 7,571 |
| Average total loans | $20,242,800 | 7,175 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8102% | 2,843 |
| Cost of funding earning assets | 2.9026% | 451 |
| Net interest margin | 2.9076% | 6,841 |
| Noninterest income to average assets | 0.2634% | 6,345 |
| Noninterest expense to average assets | 2.6577% | 5,498 |
| Loan and lease loss provision to assets | 0.1437% | 5,917 |
| Net operating income to assets | 0.2203% | 5,090 |
| Return on assets (ROA) | 0.2203% | 5,169 |
| Pretax return on assets | 0.2107% | 5,273 |
| Return on Equity (ROE) | 2.0057% | 5,153 |
| Retained earnings to average equity (ytd only) | 2.0057% | 4,196 |
| Net charge-offs to loans | 0.1530% | 5,187 |
| Credit loss provision to net charge-offs | 130.4348% | 3,839 |
| Earnings coverage of net charge-offs (x) | 3.2168% | 3,630 |
| Efficiency ratio | 88.2353% | 1,848 |
| Assets per employee ($millions) | 3.9951% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8485% | 6,962 |
| Loan loss allowance to noncurrent loans | 51.3514% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 1.5376% | 4,062 |
| Noncurrent loans to loans | 1.6524% | 4,165 |
| Net loans and leases to total assets | 71.4510% | 3,168 |
| Net loans and leases to deposits | 80.5498% | 4,289 |
| Net loans and leases to core deposits | 124.6693% | 1,845 |
| Total domestic deposits to total assets | 88.7041% | 1,338 |
| Equity capital to assets | 10.9991% | 3,004 |
| Core capital (leverage) ratio | 10.9302% | 2,453 |
| Tier 1 risk-based capital ratio | 18.0151% | 1,984 |
| Total risk-based capital ratio | 19.0169% | 1,999 |
| Memoranda: | ||
| Average total assets | $27,842,500 | 7,615 |
| Average earning assets | $26,320,750 | 7,558 |
| Average equity | $3,057,750 | 7,642 |
| Average total loans | $20,044,750 | 7,248 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8208% | 2,953 |
| Cost of funding earning assets | 2.9066% | 599 |
| Net interest margin | 2.9142% | 6,767 |
| Noninterest income to average assets | 0.2590% | 6,423 |
| Noninterest expense to average assets | 2.5754% | 5,835 |
| Loan and lease loss provision to assets | 0.2158% | 4,883 |
| Net operating income to assets | 0.2518% | 5,079 |
| Return on assets (ROA) | 0.2518% | 5,174 |
| Pretax return on assets | 0.2230% | 5,404 |
| Return on Equity (ROE) | 2.2938% | 5,185 |
| Retained earnings to average equity (ytd only) | 2.2938% | 4,060 |
| Net charge-offs to loans | 0.1999% | 4,288 |
| Credit loss provision to net charge-offs | 150.0000% | 3,068 |
| Earnings coverage of net charge-offs (x) | 3.0500% | 3,594 |
| Efficiency ratio | 85.4415% | 2,299 |
| Assets per employee ($millions) | 4.0384% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 6,736 |
| Loan loss allowance to noncurrent loans | 80.5556% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.1072% | 4,742 |
| Noncurrent loans to loans | 1.1263% | 4,967 |
| Net loans and leases to total assets | 67.2220% | 4,311 |
| Net loans and leases to deposits | 75.6790% | 5,217 |
| Net loans and leases to core deposits | 115.0790% | 2,803 |
| Total domestic deposits to total assets | 88.8252% | 1,365 |
| Equity capital to assets | 10.8423% | 3,065 |
| Core capital (leverage) ratio | 10.9347% | 2,454 |
| Tier 1 risk-based capital ratio | 18.3720% | 1,906 |
| Total risk-based capital ratio | 19.4150% | 1,918 |
| Memoranda: | ||
| Average total assets | $27,801,330 | 7,685 |
| Average earning assets | $26,285,000 | 7,628 |
| Average equity | $3,051,670 | 7,712 |
| Average total loans | $20,008,670 | 7,323 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8679% | 2,948 |
| Cost of funding earning assets | 2.9647% | 658 |
| Net interest margin | 2.9032% | 6,735 |
| Noninterest income to average assets | 0.2322% | 6,610 |
| Noninterest expense to average assets | 2.4812% | 5,910 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4643% | 4,595 |
| Return on assets (ROA) | 0.4643% | 4,777 |
| Pretax return on assets | 0.4933% | 5,098 |
| Return on Equity (ROE) | 4.2036% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.2036% | 3,572 |
| Net charge-offs to loans | 0.0979% | 4,197 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 2,437 |
| Efficiency ratio | 83.4146% | 2,370 |
| Assets per employee ($millions) | 4.0677% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 7,226 |
| Loan loss allowance to noncurrent loans | 83.2461% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.0466% | 4,598 |
| Noncurrent loans to loans | 0.9377% | 5,120 |
| Net loans and leases to total assets | 70.9805% | 3,471 |
| Net loans and leases to deposits | 79.7530% | 4,650 |
| Net loans and leases to core deposits | 122.3500% | 2,226 |
| Total domestic deposits to total assets | 89.0005% | 1,226 |
| Equity capital to assets | 10.7502% | 3,233 |
| Core capital (leverage) ratio | 11.2806% | 2,289 |
| Tier 1 risk-based capital ratio | 15.8159% | 2,752 |
| Total risk-based capital ratio | 16.6374% | 2,831 |
| Memoranda: | ||
| Average total assets | $27,567,500 | 7,747 |
| Average earning assets | $26,040,000 | 7,681 |
| Average equity | $3,045,000 | 7,765 |
| Average total loans | $20,424,500 | 7,339 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2133% | 4,444 |
| Cost of funding earning assets | 3.5550% | 449 |
| Net interest margin | 2.6583% | 7,561 |
| Noninterest income to average assets | 0.3072% | 6,251 |
| Noninterest expense to average assets | 2.7758% | 4,926 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0337% | 6,273 |
| Return on assets (ROA) | 0.0337% | 6,131 |
| Pretax return on assets | 0.0412% | 6,070 |
| Return on Equity (ROE) | 0.2976% | 6,136 |
| Retained earnings to average equity (ytd only) | 0.2976% | 5,062 |
| Net charge-offs to loans | 0.0835% | 5,568 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 0.6875% | 5,814 |
| Efficiency ratio | 98.5372% | 1,039 |
| Assets per employee ($millions) | 3.8087% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 7,108 |
| Loan loss allowance to noncurrent loans | 82.8283% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.1440% | 3,981 |
| Noncurrent loans to loans | 0.9668% | 4,665 |
| Net loans and leases to total assets | 76.1974% | 2,566 |
| Net loans and leases to deposits | 86.3036% | 4,072 |
| Net loans and leases to core deposits | 129.5021% | 1,887 |
| Total domestic deposits to total assets | 88.2900% | 1,343 |
| Equity capital to assets | 11.3612% | 2,742 |
| Core capital (leverage) ratio | 11.3403% | 2,342 |
| Tier 1 risk-based capital ratio | 16.8016% | 2,388 |
| Total risk-based capital ratio | 17.7113% | 2,434 |
| Memoranda: | ||
| Average total assets | $26,694,600 | 7,776 |
| Average earning assets | $25,203,800 | 7,728 |
| Average equity | $3,024,600 | 7,830 |
| Average total loans | $19,156,200 | 7,391 |