Home > Fountain Trust Merger Bank > Performance and Condition Ratios
Fountain Trust Merger Bank, Performance and Condition Ratios
| 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 | 4.6313% | 1,194 |
| Cost of funding earning assets | 0.4678% | 2,430 |
| Net interest margin | 4.1635% | 1,160 |
| Noninterest income to average assets | 0.5209% | 2,894 |
| Noninterest expense to average assets | 4.0886% | 478 |
| Loan and lease loss provision to assets | 0.2084% | 856 |
| Net operating income to assets | 0.0402% | 5,534 |
| Return on assets (ROA) | 0.0366% | 5,538 |
| Pretax return on assets | -0.0225% | 5,557 |
| Return on Equity (ROE) | 0.4273% | 5,528 |
| Retained earnings to average equity (ytd only) | 0.4273% | 4,991 |
| Net charge-offs to loans | 0.4389% | 463 |
| Credit loss provision to net charge-offs | 61.6667% | 2,451 |
| Earnings coverage of net charge-offs (x) | 0.5667% | 3,365 |
| Efficiency ratio | 95.5263% | 269 |
| Assets per employee ($millions) | 3.1574% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7053% | 5,197 |
| Loan loss allowance to noncurrent loans | 124.1935% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.0912% | 1,602 |
| Noncurrent loans to loans | 0.5679% | 3,029 |
| Net loans and leases to total assets | 78.0300% | 1,244 |
| Net loans and leases to deposits | 92.8053% | 1,383 |
| Net loans and leases to core deposits | 94.8632% | 2,082 |
| Total domestic deposits to total assets | 84.0793% | 3,163 |
| Equity capital to assets | 8.8364% | 5,042 |
| Core capital (leverage) ratio | 8.6798% | 5,061 |
| Tier 1 risk-based capital ratio | 12.9743% | 4,009 |
| Total risk-based capital ratio | 13.7881% | 4,180 |
| Memoranda: | ||
| Average total assets | $71,026,670 | 4,845 |
| Average earning assets | $64,129,000 | 4,864 |
| Average equity | $6,085,000 | 5,176 |
| Average total loans | $54,683,670 | 4,394 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5478% | 1,262 |
| Cost of funding earning assets | 0.4603% | 2,427 |
| Net interest margin | 4.0875% | 1,244 |
| Noninterest income to average assets | 0.4735% | 3,167 |
| Noninterest expense to average assets | 4.1221% | 469 |
| Loan and lease loss provision to assets | 0.3008% | 449 |
| Net operating income to assets | -0.1671% | 5,669 |
| Return on assets (ROA) | -0.1671% | 5,670 |
| Pretax return on assets | -0.2395% | 5,674 |
| Return on Equity (ROE) | -1.9807% | 5,679 |
| Retained earnings to average equity (ytd only) | -1.9807% | 5,166 |
| Net charge-offs to loans | 0.8551% | 199 |
| Credit loss provision to net charge-offs | 46.1538% | 2,018 |
| Earnings coverage of net charge-offs (x) | 0.0940% | 2,849 |
| Efficiency ratio | 98.5353% | 251 |
| Assets per employee ($millions) | 3.2656% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6729% | 5,359 |
| Loan loss allowance to noncurrent loans | 119.4805% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0523% | 1,721 |
| Noncurrent loans to loans | 0.5632% | 3,119 |
| Net loans and leases to total assets | 75.6110% | 1,475 |
| Net loans and leases to deposits | 88.1407% | 1,777 |
| Net loans and leases to core deposits | 90.7454% | 2,290 |
| Total domestic deposits to total assets | 85.7845% | 2,763 |
| Equity capital to assets | 8.4322% | 5,287 |
| Core capital (leverage) ratio | 8.0633% | 5,530 |
| Tier 1 risk-based capital ratio | 12.3508% | 4,479 |
| Total risk-based capital ratio | 13.1323% | 4,694 |
| Memoranda: | ||
| Average total assets | $71,808,500 | 4,873 |
| Average earning assets | $65,174,500 | 4,902 |
| Average equity | $6,058,500 | 5,231 |
| Average total loans | $54,732,000 | 4,434 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 1,857 |
| Cost of funding earning assets | 0.5255% | 1,904 |
| Net interest margin | 3.8639% | 2,085 |
| Noninterest income to average assets | 0.5617% | 2,862 |
| Noninterest expense to average assets | 3.8462% | 736 |
| Loan and lease loss provision to assets | 0.1642% | 1,504 |
| Net operating income to assets | 0.1049% | 5,555 |
| Return on assets (ROA) | 0.1049% | 5,588 |
| Pretax return on assets | 0.1132% | 5,582 |
| Return on Equity (ROE) | 1.2409% | 5,529 |
| Retained earnings to average equity (ytd only) | 0.8980% | 4,963 |
| Net charge-offs to loans | 0.4623% | 548 |
| Credit loss provision to net charge-offs | 47.9839% | 3,406 |
| Earnings coverage of net charge-offs (x) | 0.8105% | 4,072 |
| Efficiency ratio | 93.2731% | 413 |
| Assets per employee ($millions) | 3.2624% | 5,086 |
| Cash dividends to net income (ytd only)* | 27.6316% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7850% | 5,147 |
| Loan loss allowance to noncurrent loans | 105.3922% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.1926% | 1,519 |
| Noncurrent loans to loans | 0.7449% | 2,667 |
| Net loans and leases to total assets | 75.7165% | 1,556 |
| Net loans and leases to deposits | 88.2222% | 1,893 |
| Net loans and leases to core deposits | 91.2164% | 2,375 |
| Total domestic deposits to total assets | 85.8248% | 2,667 |
| Equity capital to assets | 8.4419% | 5,314 |
| Core capital (leverage) ratio | 7.9423% | 5,646 |
| Tier 1 risk-based capital ratio | 12.3922% | 4,448 |
| Total risk-based capital ratio | 13.3037% | 4,574 |
| Memoranda: | ||
| Average total assets | $72,462,000 | 4,880 |
| Average earning assets | $66,797,200 | 4,872 |
| Average equity | $6,124,600 | 5,257 |
| Average total loans | $53,646,200 | 4,468 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 2,017 |
| Cost of funding earning assets | 0.5213% | 1,931 |
| Net interest margin | 3.8235% | 2,249 |
| Noninterest income to average assets | 0.5727% | 2,797 |
| Noninterest expense to average assets | 3.7796% | 761 |
| Loan and lease loss provision to assets | 0.2001% | 1,056 |
| Net operating income to assets | 0.1083% | 5,615 |
| Return on assets (ROA) | 0.1083% | 5,669 |
| Pretax return on assets | 0.1340% | 5,644 |
| Return on Equity (ROE) | 1.2809% | 5,605 |
| Retained earnings to average equity (ytd only) | 1.0638% | 5,069 |
| Net charge-offs to loans | 0.6421% | 314 |
| Credit loss provision to net charge-offs | 42.4125% | 3,135 |
| Earnings coverage of net charge-offs (x) | 0.7082% | 3,771 |
| Efficiency ratio | 91.8786% | 467 |
| Assets per employee ($millions) | 3.4658% | 4,815 |
| Cash dividends to net income (ytd only)* | 16.9464% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7649% | 5,290 |
| Loan loss allowance to noncurrent loans | 99.2754% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.1844% | 1,683 |
| Noncurrent loans to loans | 0.7705% | 2,742 |
| Net loans and leases to total assets | 73.2612% | 1,989 |
| Net loans and leases to deposits | 88.2462% | 1,985 |
| Net loans and leases to core deposits | 92.2525% | 2,350 |
| Total domestic deposits to total assets | 83.0192% | 3,591 |
| Equity capital to assets | 8.4980% | 5,532 |
| Core capital (leverage) ratio | 7.8949% | 5,724 |
| Tier 1 risk-based capital ratio | 12.3271% | 4,590 |
| Total risk-based capital ratio | 13.1948% | 4,713 |
| Memoranda: | ||
| Average total assets | $72,634,250 | 4,915 |
| Average earning assets | $67,266,750 | 4,901 |
| Average equity | $6,141,000 | 5,311 |
| Average total loans | $53,364,250 | 4,513 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 2,161 |
| Cost of funding earning assets | 0.5214% | 1,930 |
| Net interest margin | 3.7771% | 2,416 |
| Noninterest income to average assets | 0.6007% | 2,614 |
| Noninterest expense to average assets | 3.7032% | 880 |
| Loan and lease loss provision to assets | 0.0827% | 2,481 |
| Net operating income to assets | 0.2370% | 5,455 |
| Return on assets (ROA) | 0.2370% | 5,520 |
| Pretax return on assets | 0.3279% | 5,453 |
| Return on Equity (ROE) | 2.8076% | 5,298 |
| Retained earnings to average equity (ytd only) | 2.4811% | 4,303 |
| Net charge-offs to loans | -0.0188% | 4,923 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0201% | 602 |
| Assets per employee ($millions) | 3.5045% | 4,747 |
| Cash dividends to net income (ytd only)* | 11.6279% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 3,936 |
| Loan loss allowance to noncurrent loans | 76.8734% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.5626% | 1,199 |
| Noncurrent loans to loans | 1.4335% | 1,544 |
| Net loans and leases to total assets | 72.5593% | 2,078 |
| Net loans and leases to deposits | 87.2193% | 2,107 |
| Net loans and leases to core deposits | 91.5183% | 2,386 |
| Total domestic deposits to total assets | 83.1918% | 3,575 |
| Equity capital to assets | 8.4313% | 5,635 |
| Core capital (leverage) ratio | 7.8337% | 5,810 |
| Tier 1 risk-based capital ratio | 12.4957% | 4,528 |
| Total risk-based capital ratio | 13.7541% | 4,431 |
| Memoranda: | ||
| Average total assets | $72,585,000 | 4,969 |
| Average earning assets | $67,512,000 | 4,945 |
| Average equity | $6,126,330 | 5,361 |
| Average total loans | $53,241,670 | 4,548 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2760% | 2,216 |
| Cost of funding earning assets | 0.5196% | 1,946 |
| Net interest margin | 3.7564% | 2,449 |
| Noninterest income to average assets | 0.4828% | 3,238 |
| Noninterest expense to average assets | 3.4850% | 1,209 |
| Loan and lease loss provision to assets | 0.0832% | 2,292 |
| Net operating income to assets | 0.2886% | 5,335 |
| Return on assets (ROA) | 0.2886% | 5,415 |
| Pretax return on assets | 0.4051% | 5,300 |
| Return on Equity (ROE) | 3.4171% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.4171% | 3,797 |
| Net charge-offs to loans | -0.0227% | 4,917 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7095% | 837 |
| Assets per employee ($millions) | 3.6848% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 3,941 |
| Loan loss allowance to noncurrent loans | 78.3198% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.6609% | 1,179 |
| Noncurrent loans to loans | 1.4309% | 1,657 |
| Net loans and leases to total assets | 69.2014% | 2,469 |
| Net loans and leases to deposits | 84.4156% | 2,260 |
| Net loans and leases to core deposits | 88.6259% | 2,499 |
| Total domestic deposits to total assets | 81.9771% | 4,238 |
| Equity capital to assets | 8.3371% | 5,671 |
| Core capital (leverage) ratio | 7.9707% | 5,784 |
| Tier 1 risk-based capital ratio | 13.1262% | 4,177 |
| Total risk-based capital ratio | 14.3803% | 4,097 |
| Memoranda: | ||
| Average total assets | $72,080,000 | 5,023 |
| Average earning assets | $66,979,000 | 5,001 |
| Average equity | $6,087,000 | 5,404 |
| Average total loans | $52,865,000 | 4,594 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 1,491 |
| Cost of funding earning assets | 0.4481% | 2,641 |
| Net interest margin | 4.0899% | 1,435 |
| Noninterest income to average assets | 0.5578% | 2,971 |
| Noninterest expense to average assets | 4.1349% | 580 |
| Loan and lease loss provision to assets | 0.3307% | 479 |
| Net operating income to assets | -0.0613% | 5,907 |
| Return on assets (ROA) | -0.0474% | 5,919 |
| Pretax return on assets | -0.0690% | 5,917 |
| Return on Equity (ROE) | -0.5462% | 5,924 |
| Retained earnings to average equity (ytd only) | -0.7117% | 5,623 |
| Net charge-offs to loans | 0.6858% | 348 |
| Credit loss provision to net charge-offs | 64.0669% | 3,210 |
| Earnings coverage of net charge-offs (x) | 0.4680% | 4,225 |
| Efficiency ratio | 94.4809% | 464 |
| Assets per employee ($millions) | 3.3555% | 5,055 |
| Cash dividends to net income (ytd only)* | -30.3030% | 6,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 4,415 |
| Loan loss allowance to noncurrent loans | 51.3761% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 2.2366% | 749 |
| Noncurrent loans to loans | 2.0128% | 1,031 |
| Net loans and leases to total assets | 76.0576% | 1,408 |
| Net loans and leases to deposits | 93.4410% | 1,257 |
| Net loans and leases to core deposits | 97.9029% | 1,682 |
| Total domestic deposits to total assets | 81.3964% | 4,373 |
| Equity capital to assets | 8.5574% | 5,510 |
| Core capital (leverage) ratio | 8.4498% | 5,475 |
| Tier 1 risk-based capital ratio | 12.6986% | 4,510 |
| Total risk-based capital ratio | 13.9057% | 4,436 |
| Memoranda: | ||
| Average total assets | $69,554,200 | 5,102 |
| Average earning assets | $64,941,200 | 5,063 |
| Average equity | $6,041,800 | 5,428 |
| Average total loans | $52,346,400 | 4,601 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5583% | 1,434 |
| Cost of funding earning assets | 0.4398% | 2,799 |
| Net interest margin | 4.1185% | 1,362 |
| Noninterest income to average assets | 0.5613% | 2,975 |
| Noninterest expense to average assets | 4.3158% | 482 |
| Loan and lease loss provision to assets | 0.1922% | 1,053 |
| Net operating income to assets | -0.0620% | 5,973 |
| Return on assets (ROA) | -0.0442% | 5,994 |
| Pretax return on assets | -0.0673% | 6,001 |
| Return on Equity (ROE) | -0.5056% | 5,998 |
| Retained earnings to average equity (ytd only) | -0.7253% | 5,727 |
| Net charge-offs to loans | 0.0642% | 2,664 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 2.0402% | 3,739 |
| Efficiency ratio | 97.7787% | 362 |
| Assets per employee ($millions) | 3.4098% | 4,966 |
| Cash dividends to net income (ytd only)* | -43.4627% | 6,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 2,653 |
| Loan loss allowance to noncurrent loans | 54.1844% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 2.0676% | 969 |
| Noncurrent loans to loans | 2.5644% | 783 |
| Net loans and leases to total assets | 79.5061% | 882 |
| Net loans and leases to deposits | 98.5657% | 771 |
| Net loans and leases to core deposits | 105.2039% | 1,156 |
| Total domestic deposits to total assets | 80.6631% | 4,561 |
| Equity capital to assets | 8.8979% | 5,397 |
| Core capital (leverage) ratio | 8.4254% | 5,607 |
| Tier 1 risk-based capital ratio | 12.5414% | 4,730 |
| Total risk-based capital ratio | 13.7966% | 4,626 |
| Memoranda: | ||
| Average total assets | $69,356,250 | 5,169 |
| Average earning assets | $64,877,000 | 5,125 |
| Average equity | $6,066,250 | 5,485 |
| Average total loans | $51,894,500 | 4,665 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4973% | 1,545 |
| Cost of funding earning assets | 0.4353% | 2,895 |
| Net interest margin | 4.0620% | 1,466 |
| Noninterest income to average assets | 0.5420% | 3,096 |
| Noninterest expense to average assets | 4.3015% | 495 |
| Loan and lease loss provision to assets | 0.0860% | 2,390 |
| Net operating income to assets | -0.0200% | 6,009 |
| Return on assets (ROA) | 0.0057% | 6,020 |
| Pretax return on assets | -0.0057% | 6,023 |
| Return on Equity (ROE) | 0.0659% | 6,017 |
| Retained earnings to average equity (ytd only) | -0.2638% | 5,556 |
| Net charge-offs to loans | 0.0983% | 2,031 |
| Credit loss provision to net charge-offs | 120.0000% | 1,806 |
| Earnings coverage of net charge-offs (x) | 0.5600% | 3,641 |
| Efficiency ratio | 99.0753% | 345 |
| Assets per employee ($millions) | 3.1801% | 5,372 |
| Cash dividends to net income (ytd only)* | 500.0000% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 3,317 |
| Loan loss allowance to noncurrent loans | 99.5696% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.9963% | 2,535 |
| Noncurrent loans to loans | 1.2920% | 2,087 |
| Net loans and leases to total assets | 76.1156% | 1,348 |
| Net loans and leases to deposits | 93.8097% | 1,169 |
| Net loans and leases to core deposits | 99.9137% | 1,498 |
| Total domestic deposits to total assets | 81.1383% | 4,572 |
| Equity capital to assets | 8.6490% | 5,565 |
| Core capital (leverage) ratio | 8.4922% | 5,538 |
| Tier 1 risk-based capital ratio | 12.9343% | 4,553 |
| Total risk-based capital ratio | 14.1882% | 4,472 |
| Memoranda: | ||
| Average total assets | $69,743,000 | 5,223 |
| Average earning assets | $65,239,330 | 5,171 |
| Average equity | $6,065,670 | 5,539 |
| Average total loans | $50,864,670 | 4,723 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 1,851 |
| Cost of funding earning assets | 0.4412% | 2,867 |
| Net interest margin | 3.9342% | 1,773 |
| Noninterest income to average assets | 0.5285% | 3,103 |
| Noninterest expense to average assets | 4.1589% | 579 |
| Loan and lease loss provision to assets | 0.0862% | 2,253 |
| Net operating income to assets | 0.0115% | 6,004 |
| Return on assets (ROA) | 0.0115% | 6,042 |
| Pretax return on assets | -0.0287% | 6,071 |
| Return on Equity (ROE) | 0.1317% | 6,039 |
| Retained earnings to average equity (ytd only) | 0.1317% | 5,331 |
| Net charge-offs to loans | -0.0243% | 5,138 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6376% | 412 |
| Assets per employee ($millions) | 3.1754% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 2,873 |
| Loan loss allowance to noncurrent loans | 83.2744% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.2153% | 2,204 |
| Noncurrent loans to loans | 1.6921% | 1,628 |
| Net loans and leases to total assets | 70.8108% | 2,017 |
| Net loans and leases to deposits | 85.8027% | 1,851 |
| Net loans and leases to core deposits | 92.1413% | 1,934 |
| Total domestic deposits to total assets | 82.5274% | 4,340 |
| Equity capital to assets | 8.7277% | 5,557 |
| Core capital (leverage) ratio | 8.4336% | 5,592 |
| Tier 1 risk-based capital ratio | 13.8191% | 4,137 |
| Total risk-based capital ratio | 15.1339% | 4,022 |
| Memoranda: | ||
| Average total assets | $69,633,500 | 5,269 |
| Average earning assets | $65,273,000 | 5,225 |
| Average equity | $6,073,000 | 5,581 |
| Average total loans | $49,324,000 | 4,803 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1358% | 3,178 |
| Cost of funding earning assets | 0.4627% | 3,044 |
| Net interest margin | 3.6730% | 3,115 |
| Noninterest income to average assets | 0.5343% | 3,278 |
| Noninterest expense to average assets | 3.7618% | 1,048 |
| Loan and lease loss provision to assets | 0.0857% | 2,756 |
| Net operating income to assets | 0.1131% | 5,935 |
| Return on assets (ROA) | 0.1143% | 5,971 |
| Pretax return on assets | 0.1357% | 5,958 |
| Return on Equity (ROE) | 1.3571% | 5,921 |
| Retained earnings to average equity (ytd only) | 1.3571% | 5,166 |
| Net charge-offs to loans | 0.1196% | 2,842 |
| Credit loss provision to net charge-offs | 107.1429% | 2,230 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 4,076 |
| Efficiency ratio | 94.4743% | 572 |
| Assets per employee ($millions) | 3.1550% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 2,842 |
| Loan loss allowance to noncurrent loans | 80.8685% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.2275% | 2,315 |
| Noncurrent loans to loans | 1.7576% | 1,642 |
| Net loans and leases to total assets | 68.8455% | 2,423 |
| Net loans and leases to deposits | 83.4119% | 2,282 |
| Net loans and leases to core deposits | 89.7000% | 2,311 |
| Total domestic deposits to total assets | 82.5368% | 4,235 |
| Equity capital to assets | 8.7150% | 5,567 |
| Core capital (leverage) ratio | 8.9165% | 5,100 |
| Tier 1 risk-based capital ratio | 14.5371% | 3,753 |
| Total risk-based capital ratio | 15.7466% | 3,717 |
| Memoranda: | ||
| Average total assets | $69,992,200 | 5,289 |
| Average earning assets | $65,695,000 | 5,237 |
| Average equity | $5,894,800 | 5,641 |
| Average total loans | $46,821,600 | 4,920 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0512% | 3,554 |
| Cost of funding earning assets | 0.4639% | 3,112 |
| Net interest margin | 3.5873% | 3,480 |
| Noninterest income to average assets | 0.5209% | 3,405 |
| Noninterest expense to average assets | 3.8019% | 969 |
| Loan and lease loss provision to assets | 0.0855% | 2,646 |
| Net operating income to assets | 0.0057% | 6,134 |
| Return on assets (ROA) | 0.0057% | 6,151 |
| Pretax return on assets | 0.0000% | 6,143 |
| Return on Equity (ROE) | 0.0683% | 6,149 |
| Retained earnings to average equity (ytd only) | 0.0683% | 5,775 |
| Net charge-offs to loans | 0.2040% | 1,841 |
| Credit loss provision to net charge-offs | 63.3803% | 2,885 |
| Earnings coverage of net charge-offs (x) | 0.6338% | 4,347 |
| Efficiency ratio | 97.7995% | 439 |
| Assets per employee ($millions) | 3.2915% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 3,175 |
| Loan loss allowance to noncurrent loans | 55.1926% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 1.7274% | 1,736 |
| Noncurrent loans to loans | 2.5379% | 1,148 |
| Net loans and leases to total assets | 67.1113% | 2,665 |
| Net loans and leases to deposits | 81.3097% | 2,513 |
| Net loans and leases to core deposits | 86.3772% | 2,628 |
| Total domestic deposits to total assets | 82.5379% | 4,288 |
| Equity capital to assets | 8.4432% | 5,840 |
| Core capital (leverage) ratio | 8.4358% | 5,722 |
| Tier 1 risk-based capital ratio | 13.9199% | 4,277 |
| Total risk-based capital ratio | 15.1374% | 4,241 |
| Memoranda: | ||
| Average total assets | $70,138,000 | 5,339 |
| Average earning assets | $65,823,250 | 5,289 |
| Average equity | $5,856,250 | 5,708 |
| Average total loans | $46,408,500 | 4,989 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0057% | 3,710 |
| Cost of funding earning assets | 0.4716% | 3,097 |
| Net interest margin | 3.5341% | 3,641 |
| Noninterest income to average assets | 0.4739% | 3,679 |
| Noninterest expense to average assets | 3.6012% | 1,293 |
| Loan and lease loss provision to assets | 0.0851% | 2,605 |
| Net operating income to assets | 0.0936% | 6,055 |
| Return on assets (ROA) | 0.0936% | 6,085 |
| Pretax return on assets | 0.1050% | 6,091 |
| Return on Equity (ROE) | 1.1257% | 6,034 |
| Retained earnings to average equity (ytd only) | 1.1257% | 5,305 |
| Net charge-offs to loans | 0.3204% | 1,266 |
| Credit loss provision to net charge-offs | 40.5405% | 2,919 |
| Earnings coverage of net charge-offs (x) | 0.9054% | 3,942 |
| Efficiency ratio | 94.9850% | 602 |
| Assets per employee ($millions) | 3.3533% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 3,304 |
| Loan loss allowance to noncurrent loans | 146.0137% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.7441% | 3,734 |
| Noncurrent loans to loans | 0.9645% | 3,314 |
| Net loans and leases to total assets | 63.7234% | 3,116 |
| Net loans and leases to deposits | 76.8048% | 2,951 |
| Net loans and leases to core deposits | 81.4706% | 3,034 |
| Total domestic deposits to total assets | 82.9679% | 4,315 |
| Equity capital to assets | 8.3797% | 5,895 |
| Core capital (leverage) ratio | 8.4153% | 5,729 |
| Tier 1 risk-based capital ratio | 14.5719% | 3,886 |
| Total risk-based capital ratio | 15.7869% | 3,846 |
| Memoranda: | ||
| Average total assets | $70,477,000 | 5,375 |
| Average earning assets | $66,156,330 | 5,317 |
| Average equity | $5,863,000 | 5,745 |
| Average total loans | $46,195,670 | 5,025 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0151% | 3,622 |
| Cost of funding earning assets | 0.4837% | 3,078 |
| Net interest margin | 3.5314% | 3,564 |
| Noninterest income to average assets | 0.4709% | 3,622 |
| Noninterest expense to average assets | 3.5288% | 1,436 |
| Loan and lease loss provision to assets | 0.0851% | 2,487 |
| Net operating income to assets | 0.1589% | 5,912 |
| Return on assets (ROA) | 0.1589% | 5,948 |
| Pretax return on assets | 0.1702% | 5,974 |
| Return on Equity (ROE) | 1.9165% | 5,805 |
| Retained earnings to average equity (ytd only) | 1.9165% | 4,826 |
| Net charge-offs to loans | 0.6361% | 582 |
| Credit loss provision to net charge-offs | 20.2703% | 2,494 |
| Earnings coverage of net charge-offs (x) | 0.6081% | 3,299 |
| Efficiency ratio | 93.2534% | 798 |
| Assets per employee ($millions) | 3.5331% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 3,832 |
| Loan loss allowance to noncurrent loans | 174.3733% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 3,783 |
| Noncurrent loans to loans | 0.7766% | 3,918 |
| Net loans and leases to total assets | 64.5368% | 2,807 |
| Net loans and leases to deposits | 77.7174% | 2,600 |
| Net loans and leases to core deposits | 80.9468% | 2,857 |
| Total domestic deposits to total assets | 83.0404% | 4,592 |
| Equity capital to assets | 8.3255% | 5,805 |
| Core capital (leverage) ratio | 8.2615% | 5,883 |
| Tier 1 risk-based capital ratio | 14.4095% | 4,058 |
| Total risk-based capital ratio | 15.6634% | 4,016 |
| Memoranda: | ||
| Average total assets | $70,505,500 | 5,427 |
| Average earning assets | $66,150,000 | 5,372 |
| Average equity | $5,844,000 | 5,786 |
| Average total loans | $46,536,000 | 5,063 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 3,920 |
| Cost of funding earning assets | 0.5320% | 3,270 |
| Net interest margin | 3.5189% | 3,812 |
| Noninterest income to average assets | 0.5045% | 3,722 |
| Noninterest expense to average assets | 3.4669% | 1,733 |
| Loan and lease loss provision to assets | 0.0358% | 4,404 |
| Net operating income to assets | 0.2364% | 5,727 |
| Return on assets (ROA) | 0.2522% | 5,755 |
| Pretax return on assets | 0.3210% | 5,670 |
| Return on Equity (ROE) | 3.0131% | 5,505 |
| Retained earnings to average equity (ytd only) | 3.0131% | 4,091 |
| Net charge-offs to loans | 0.0823% | 4,062 |
| Credit loss provision to net charge-offs | 67.5676% | 3,369 |
| Earnings coverage of net charge-offs (x) | 6.3514% | 3,083 |
| Efficiency ratio | 91.1454% | 940 |
| Assets per employee ($millions) | 3.3500% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 3,366 |
| Loan loss allowance to noncurrent loans | 153.2438% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6923% | 4,177 |
| Noncurrent loans to loans | 0.9543% | 3,607 |
| Net loans and leases to total assets | 65.6129% | 2,749 |
| Net loans and leases to deposits | 79.0214% | 2,585 |
| Net loans and leases to core deposits | 82.3162% | 2,861 |
| Total domestic deposits to total assets | 83.0317% | 4,536 |
| Equity capital to assets | 8.2517% | 5,821 |
| Core capital (leverage) ratio | 8.8645% | 5,193 |
| Tier 1 risk-based capital ratio | 14.7986% | 3,782 |
| Total risk-based capital ratio | 16.0529% | 3,724 |
| Memoranda: | ||
| Average total assets | $69,773,200 | 5,489 |
| Average earning assets | $65,417,600 | 5,423 |
| Average equity | $5,841,200 | 5,854 |
| Average total loans | $44,963,800 | 5,148 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,976 |
| Cost of funding earning assets | 0.5415% | 3,350 |
| Net interest margin | 3.4985% | 3,893 |
| Noninterest income to average assets | 0.5017% | 3,791 |
| Noninterest expense to average assets | 3.3261% | 2,013 |
| Loan and lease loss provision to assets | 0.0479% | 4,057 |
| Net operating income to assets | 0.2964% | 5,629 |
| Return on assets (ROA) | 0.3159% | 5,676 |
| Pretax return on assets | 0.4327% | 5,546 |
| Return on Equity (ROE) | 3.7604% | 5,328 |
| Retained earnings to average equity (ytd only) | 3.7604% | 4,013 |
| Net charge-offs to loans | 0.0539% | 4,135 |
| Credit loss provision to net charge-offs | 138.8889% | 1,683 |
| Earnings coverage of net charge-offs (x) | 13.1663% | 2,053 |
| Efficiency ratio | 87.9939% | 1,179 |
| Assets per employee ($millions) | 3.3606% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 3,279 |
| Loan loss allowance to noncurrent loans | 158.9165% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7186% | 4,308 |
| Noncurrent loans to loans | 0.9692% | 3,872 |
| Net loans and leases to total assets | 66.9623% | 2,467 |
| Net loans and leases to deposits | 81.3690% | 2,218 |
| Net loans and leases to core deposits | 86.1112% | 2,395 |
| Total domestic deposits to total assets | 82.2946% | 4,834 |
| Equity capital to assets | 8.5328% | 5,697 |
| Core capital (leverage) ratio | 8.8634% | 5,300 |
| Tier 1 risk-based capital ratio | 14.6494% | 3,984 |
| Total risk-based capital ratio | 15.8800% | 3,942 |
| Memoranda: | ||
| Average total assets | $69,629,250 | 5,545 |
| Average earning assets | $65,246,250 | 5,479 |
| Average equity | $5,850,250 | 5,921 |
| Average total loans | $44,494,000 | 5,222 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 4,429 |
| Cost of funding earning assets | 0.5417% | 3,484 |
| Net interest margin | 3.3715% | 4,301 |
| Noninterest income to average assets | 0.4799% | 3,961 |
| Noninterest expense to average assets | 3.1263% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3453% | 5,422 |
| Return on assets (ROA) | 0.3720% | 5,495 |
| Pretax return on assets | 0.5565% | 5,178 |
| Return on Equity (ROE) | 4.4492% | 5,024 |
| Retained earnings to average equity (ytd only) | 4.4492% | 3,434 |
| Net charge-offs to loans | 0.1043% | 3,318 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.9130% | 2,479 |
| Efficiency ratio | 85.8145% | 1,432 |
| Assets per employee ($millions) | 3.6010% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 3,517 |
| Loan loss allowance to noncurrent loans | 97.6812% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.1254% | 3,489 |
| Noncurrent loans to loans | 1.5513% | 2,979 |
| Net loans and leases to total assets | 64.0232% | 2,909 |
| Net loans and leases to deposits | 77.5759% | 2,625 |
| Net loans and leases to core deposits | 81.5535% | 2,848 |
| Total domestic deposits to total assets | 82.5297% | 4,874 |
| Equity capital to assets | 8.6000% | 5,670 |
| Core capital (leverage) ratio | 8.7083% | 5,408 |
| Tier 1 risk-based capital ratio | 15.1501% | 3,679 |
| Total risk-based capital ratio | 16.3739% | 3,657 |
| Memoranda: | ||
| Average total assets | $70,435,330 | 5,558 |
| Average earning assets | $66,082,670 | 5,494 |
| Average equity | $5,888,670 | 5,957 |
| Average total loans | $44,088,670 | 5,262 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9145% | 4,422 |
| Cost of funding earning assets | 0.5430% | 3,643 |
| Net interest margin | 3.3715% | 4,229 |
| Noninterest income to average assets | 0.4031% | 4,434 |
| Noninterest expense to average assets | 2.9058% | 3,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4087% | 5,093 |
| Return on assets (ROA) | 0.4087% | 5,242 |
| Pretax return on assets | 0.6607% | 4,751 |
| Return on Equity (ROE) | 4.9567% | 4,597 |
| Retained earnings to average equity (ytd only) | 4.9567% | 3,261 |
| Net charge-offs to loans | 0.2187% | 2,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.9167% | 2,449 |
| Efficiency ratio | 81.4757% | 2,120 |
| Assets per employee ($millions) | 3.8109% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 3,519 |
| Loan loss allowance to noncurrent loans | 98.9706% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.1145% | 3,708 |
| Noncurrent loans to loans | 1.5876% | 3,155 |
| Net loans and leases to total assets | 58.2264% | 3,755 |
| Net loans and leases to deposits | 69.7944% | 3,513 |
| Net loans and leases to core deposits | 73.8250% | 3,600 |
| Total domestic deposits to total assets | 83.4256% | 4,699 |
| Equity capital to assets | 8.1594% | 6,288 |
| Core capital (leverage) ratio | 8.3403% | 5,775 |
| Tier 1 risk-based capital ratio | 14.9477% | 3,877 |
| Total risk-based capital ratio | 16.1668% | 3,862 |
| Memoranda: | ||
| Average total assets | $71,443,500 | 5,580 |
| Average earning assets | $67,032,000 | 5,517 |
| Average equity | $5,891,000 | 6,012 |
| Average total loans | $43,894,000 | 5,302 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 3,909 |
| Cost of funding earning assets | 0.8021% | 2,650 |
| Net interest margin | 3.5757% | 4,206 |
| Noninterest income to average assets | 0.4845% | 4,007 |
| Noninterest expense to average assets | 3.3187% | 2,280 |
| Loan and lease loss provision to assets | 1.9618% | 112 |
| Net operating income to assets | -1.1001% | 6,770 |
| Return on assets (ROA) | -0.9868% | 6,757 |
| Pretax return on assets | -1.2767% | 6,796 |
| Return on Equity (ROE) | -10.4468% | 6,733 |
| Retained earnings to average equity (ytd only) | -11.0761% | 6,676 |
| Net charge-offs to loans | 2.7242% | 208 |
| Credit loss provision to net charge-offs | 110.0917% | 2,655 |
| Earnings coverage of net charge-offs (x) | 0.3019% | 5,326 |
| Efficiency ratio | 86.0501% | 1,428 |
| Assets per employee ($millions) | 4.1459% | 3,658 |
| Cash dividends to net income (ytd only)* | -6.0241% | 7,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 3,517 |
| Loan loss allowance to noncurrent loans | 109.2476% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.9904% | 4,052 |
| Noncurrent loans to loans | 1.4192% | 3,471 |
| Net loans and leases to total assets | 62.7951% | 3,095 |
| Net loans and leases to deposits | 75.6250% | 2,866 |
| Net loans and leases to core deposits | 80.5086% | 2,938 |
| Total domestic deposits to total assets | 83.0349% | 4,714 |
| Equity capital to assets | 8.3343% | 6,172 |
| Core capital (leverage) ratio | 9.0729% | 4,778 |
| Tier 1 risk-based capital ratio | 14.5630% | 3,984 |
| Total risk-based capital ratio | 15.8173% | 3,939 |
| Memoranda: | ||
| Average total assets | $67,284,800 | 5,701 |
| Average earning assets | $63,456,400 | 5,623 |
| Average equity | $6,356,000 | 5,925 |
| Average total loans | $44,013,600 | 5,328 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 3,788 |
| Cost of funding earning assets | 0.8769% | 2,339 |
| Net interest margin | 3.5819% | 4,314 |
| Noninterest income to average assets | 0.4853% | 4,024 |
| Noninterest expense to average assets | 3.1886% | 2,604 |
| Loan and lease loss provision to assets | 1.6845% | 171 |
| Net operating income to assets | -0.9967% | 6,860 |
| Return on assets (ROA) | -0.8002% | 6,833 |
| Pretax return on assets | -0.8062% | 6,808 |
| Return on Equity (ROE) | -8.2142% | 6,820 |
| Retained earnings to average equity (ytd only) | -9.0376% | 6,792 |
| Net charge-offs to loans | 2.0253% | 356 |
| Credit loss provision to net charge-offs | 126.3158% | 2,271 |
| Earnings coverage of net charge-offs (x) | 0.5098% | 5,064 |
| Efficiency ratio | 82.4261% | 1,760 |
| Assets per employee ($millions) | 3.7190% | 4,501 |
| Cash dividends to net income (ytd only)* | -10.0246% | 7,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6649% | 3,277 |
| Loan loss allowance to noncurrent loans | 61.5574% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 2.0451% | 2,587 |
| Noncurrent loans to loans | 2.7047% | 2,095 |
| Net loans and leases to total assets | 70.1580% | 1,882 |
| Net loans and leases to deposits | 79.3190% | 2,498 |
| Net loans and leases to core deposits | 85.8066% | 2,490 |
| Total domestic deposits to total assets | 88.4504% | 1,754 |
| Equity capital to assets | 9.8113% | 4,766 |
| Core capital (leverage) ratio | 9.2829% | 4,615 |
| Tier 1 risk-based capital ratio | 15.9593% | 3,288 |
| Total risk-based capital ratio | 17.2178% | 3,251 |
| Memoranda: | ||
| Average total assets | $66,486,000 | 5,793 |
| Average earning assets | $62,795,750 | 5,704 |
| Average equity | $6,476,500 | 5,966 |
| Average total loans | $43,778,250 | 5,399 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 4,138 |
| Cost of funding earning assets | 0.8867% | 2,513 |
| Net interest margin | 3.5248% | 4,570 |
| Noninterest income to average assets | 0.4499% | 4,289 |
| Noninterest expense to average assets | 3.1255% | 2,828 |
| Loan and lease loss provision to assets | 0.9767% | 458 |
| Net operating income to assets | -0.1875% | 6,526 |
| Return on assets (ROA) | 0.0000% | 6,454 |
| Pretax return on assets | -0.0178% | 6,465 |
| Return on Equity (ROE) | 0.0000% | 6,455 |
| Retained earnings to average equity (ytd only) | -1.2181% | 6,241 |
| Net charge-offs to loans | 1.1676% | 928 |
| Credit loss provision to net charge-offs | 130.4348% | 2,104 |
| Earnings coverage of net charge-offs (x) | 0.8893% | 4,601 |
| Efficiency ratio | 82.4356% | 1,824 |
| Assets per employee ($millions) | 3.6951% | 4,528 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 4,118 |
| Loan loss allowance to noncurrent loans | 96.1708% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.2299% | 3,954 |
| Noncurrent loans to loans | 1.5381% | 3,600 |
| Net loans and leases to total assets | 65.3882% | 2,791 |
| Net loans and leases to deposits | 76.4677% | 2,919 |
| Net loans and leases to core deposits | 84.3225% | 2,648 |
| Total domestic deposits to total assets | 85.5109% | 3,603 |
| Equity capital to assets | 9.8343% | 4,568 |
| Core capital (leverage) ratio | 9.8662% | 3,627 |
| Tier 1 risk-based capital ratio | 17.0699% | 2,639 |
| Total risk-based capital ratio | 18.2979% | 2,606 |
| Memoranda: | ||
| Average total assets | $67,573,670 | 5,793 |
| Average earning assets | $64,060,000 | 5,705 |
| Average equity | $6,567,670 | 5,962 |
| Average total loans | $43,335,330 | 5,459 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3400% | 4,565 |
| Cost of funding earning assets | 0.9062% | 2,641 |
| Net interest margin | 3.4338% | 4,984 |
| Noninterest income to average assets | 0.4288% | 4,463 |
| Noninterest expense to average assets | 2.7605% | 4,205 |
| Loan and lease loss provision to assets | 1.4683% | 235 |
| Net operating income to assets | -0.3964% | 6,768 |
| Return on assets (ROA) | -0.3524% | 6,776 |
| Pretax return on assets | -0.4699% | 6,810 |
| Return on Equity (ROE) | -3.6469% | 6,786 |
| Retained earnings to average equity (ytd only) | -3.6469% | 6,461 |
| Net charge-offs to loans | 1.7796% | 535 |
| Credit loss provision to net charge-offs | 130.8901% | 1,859 |
| Earnings coverage of net charge-offs (x) | 0.8377% | 3,908 |
| Efficiency ratio | 74.6032% | 3,005 |
| Assets per employee ($millions) | 4.0900% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 4,292 |
| Loan loss allowance to noncurrent loans | 151.1905% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.9593% | 4,587 |
| Noncurrent loans to loans | 0.9728% | 4,735 |
| Net loans and leases to total assets | 61.1793% | 3,417 |
| Net loans and leases to deposits | 71.0364% | 3,581 |
| Net loans and leases to core deposits | 76.9988% | 3,471 |
| Total domestic deposits to total assets | 86.1240% | 3,459 |
| Equity capital to assets | 9.4305% | 4,903 |
| Core capital (leverage) ratio | 9.5355% | 4,002 |
| Tier 1 risk-based capital ratio | 16.8084% | 2,756 |
| Total risk-based capital ratio | 18.0622% | 2,712 |
| Memoranda: | ||
| Average total assets | $68,104,500 | 5,823 |
| Average earning assets | $64,884,500 | 5,726 |
| Average equity | $6,581,000 | 6,000 |
| Average total loans | $42,931,000 | 5,511 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7009% | 4,243 |
| Cost of funding earning assets | 1.2408% | 1,779 |
| Net interest margin | 3.4601% | 5,287 |
| Noninterest income to average assets | 0.4618% | 4,119 |
| Noninterest expense to average assets | 3.3189% | 2,461 |
| Loan and lease loss provision to assets | 0.9012% | 1,067 |
| Net operating income to assets | -0.2503% | 6,299 |
| Return on assets (ROA) | 0.2756% | 5,501 |
| Pretax return on assets | 0.0492% | 6,050 |
| Return on Equity (ROE) | 2.8283% | 5,354 |
| Retained earnings to average equity (ytd only) | 1.6053% | 5,067 |
| Net charge-offs to loans | 0.8576% | 2,024 |
| Credit loss provision to net charge-offs | 163.5135% | 1,673 |
| Earnings coverage of net charge-offs (x) | 0.7703% | 5,223 |
| Efficiency ratio | 88.6590% | 1,301 |
| Assets per employee ($millions) | 3.9223% | 4,029 |
| Cash dividends to net income (ytd only)* | 43.2432% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 4,670 |
| Loan loss allowance to noncurrent loans | 64.0000% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 1.6767% | 3,439 |
| Noncurrent loans to loans | 2.1083% | 3,058 |
| Net loans and leases to total assets | 63.1578% | 3,364 |
| Net loans and leases to deposits | 73.9915% | 3,498 |
| Net loans and leases to core deposits | 81.8078% | 3,205 |
| Total domestic deposits to total assets | 85.3582% | 3,664 |
| Equity capital to assets | 9.9057% | 4,299 |
| Core capital (leverage) ratio | 9.6443% | 3,807 |
| Tier 1 risk-based capital ratio | 17.1936% | 2,516 |
| Total risk-based capital ratio | 18.4176% | 2,484 |
| Memoranda: | ||
| Average total assets | $67,130,000 | 5,833 |
| Average earning assets | $63,668,400 | 5,746 |
| Average equity | $6,541,000 | 6,003 |
| Average total loans | $43,142,800 | 5,556 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 4,368 |
| Cost of funding earning assets | 1.2809% | 1,813 |
| Net interest margin | 3.4366% | 5,438 |
| Noninterest income to average assets | 0.4560% | 4,252 |
| Noninterest expense to average assets | 3.2300% | 2,728 |
| Loan and lease loss provision to assets | 1.0509% | 800 |
| Net operating income to assets | -0.5355% | 6,652 |
| Return on assets (ROA) | -0.3827% | 6,616 |
| Pretax return on assets | -0.4065% | 6,569 |
| Return on Equity (ROE) | -3.9438% | 6,627 |
| Retained earnings to average equity (ytd only) | -4.7611% | 6,580 |
| Net charge-offs to loans | 1.1805% | 1,327 |
| Credit loss provision to net charge-offs | 138.3812% | 2,304 |
| Earnings coverage of net charge-offs (x) | 0.6345% | 5,154 |
| Efficiency ratio | 87.0192% | 1,434 |
| Assets per employee ($millions) | 4.2612% | 3,350 |
| Cash dividends to net income (ytd only)* | -20.7244% | 7,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 5,790 |
| Loan loss allowance to noncurrent loans | 52.9284% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 1.7498% | 3,472 |
| Noncurrent loans to loans | 2.1254% | 3,210 |
| Net loans and leases to total assets | 62.9109% | 3,527 |
| Net loans and leases to deposits | 76.1928% | 3,300 |
| Net loans and leases to core deposits | 85.3334% | 2,869 |
| Total domestic deposits to total assets | 82.5679% | 4,851 |
| Equity capital to assets | 9.6555% | 4,844 |
| Core capital (leverage) ratio | 9.1652% | 4,682 |
| Tier 1 risk-based capital ratio | 15.4282% | 3,425 |
| Total risk-based capital ratio | 16.6297% | 3,417 |
| Memoranda: | ||
| Average total assets | $67,242,750 | 5,863 |
| Average earning assets | $63,705,500 | 5,783 |
| Average equity | $6,525,000 | 6,049 |
| Average total loans | $43,256,250 | 5,595 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7100% | 4,493 |
| Cost of funding earning assets | 1.3046% | 1,918 |
| Net interest margin | 3.4053% | 5,537 |
| Noninterest income to average assets | 0.4094% | 4,604 |
| Noninterest expense to average assets | 3.2481% | 2,729 |
| Loan and lease loss provision to assets | 0.3735% | 2,558 |
| Net operating income to assets | 0.0179% | 6,197 |
| Return on assets (ROA) | 0.0179% | 6,278 |
| Pretax return on assets | 0.0090% | 6,255 |
| Return on Equity (ROE) | 0.1845% | 6,271 |
| Retained earnings to average equity (ytd only) | -1.0452% | 6,061 |
| Net charge-offs to loans | 0.1527% | 4,266 |
| Credit loss provision to net charge-offs | 378.7879% | 795 |
| Earnings coverage of net charge-offs (x) | 3.8788% | 3,024 |
| Efficiency ratio | 89.4650% | 1,276 |
| Assets per employee ($millions) | 4.0096% | 3,737 |
| Cash dividends to net income (ytd only)* | 666.6667% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 6,327 |
| Loan loss allowance to noncurrent loans | 41.0427% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 1.9453% | 3,314 |
| Noncurrent loans to loans | 2.4398% | 2,946 |
| Net loans and leases to total assets | 62.8024% | 3,719 |
| Net loans and leases to deposits | 75.8832% | 3,501 |
| Net loans and leases to core deposits | 83.2160% | 3,334 |
| Total domestic deposits to total assets | 82.7619% | 4,870 |
| Equity capital to assets | 9.5316% | 4,766 |
| Core capital (leverage) ratio | 9.5762% | 3,851 |
| Tier 1 risk-based capital ratio | 15.7020% | 3,126 |
| Total risk-based capital ratio | 16.7537% | 3,187 |
| Memoranda: | ||
| Average total assets | $66,930,670 | 5,929 |
| Average earning assets | $63,312,670 | 5,844 |
| Average equity | $6,505,670 | 6,081 |
| Average total loans | $43,215,000 | 5,652 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8309% | 3,910 |
| Cost of funding earning assets | 1.3291% | 2,014 |
| Net interest margin | 3.5018% | 5,005 |
| Noninterest income to average assets | 0.3800% | 4,876 |
| Noninterest expense to average assets | 3.2693% | 2,648 |
| Loan and lease loss provision to assets | 0.3016% | 2,749 |
| Net operating income to assets | 0.0844% | 6,134 |
| Return on assets (ROA) | 0.0844% | 6,190 |
| Pretax return on assets | 0.1146% | 6,140 |
| Return on Equity (ROE) | 0.8602% | 6,174 |
| Retained earnings to average equity (ytd only) | 0.8602% | 5,483 |
| Net charge-offs to loans | 0.1296% | 3,738 |
| Credit loss provision to net charge-offs | 357.1429% | 915 |
| Earnings coverage of net charge-offs (x) | 4.9286% | 2,366 |
| Efficiency ratio | 88.7070% | 1,441 |
| Assets per employee ($millions) | 3.5362% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8826% | 6,741 |
| Loan loss allowance to noncurrent loans | 44.7212% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 1.4542% | 4,086 |
| Noncurrent loans to loans | 1.9735% | 3,606 |
| Net loans and leases to total assets | 63.0181% | 3,650 |
| Net loans and leases to deposits | 77.0028% | 3,253 |
| Net loans and leases to core deposits | 82.6614% | 3,357 |
| Total domestic deposits to total assets | 81.8387% | 5,375 |
| Equity capital to assets | 9.7057% | 4,166 |
| Core capital (leverage) ratio | 9.6717% | 3,567 |
| Tier 1 risk-based capital ratio | 16.4150% | 2,700 |
| Total risk-based capital ratio | 17.3654% | 2,826 |
| Memoranda: | ||
| Average total assets | $66,314,500 | 5,984 |
| Average earning assets | $62,596,500 | 5,911 |
| Average equity | $6,510,000 | 6,089 |
| Average total loans | $43,202,000 | 5,696 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1082% | 4,063 |
| Cost of funding earning assets | 1.6215% | 1,946 |
| Net interest margin | 3.4867% | 5,297 |
| Noninterest income to average assets | 0.3766% | 5,086 |
| Noninterest expense to average assets | 3.2107% | 3,050 |
| Loan and lease loss provision to assets | 0.3812% | 3,829 |
| Net operating income to assets | 0.2382% | 5,144 |
| Return on assets (ROA) | 0.2382% | 5,297 |
| Pretax return on assets | 0.0599% | 5,785 |
| Return on Equity (ROE) | 2.3932% | 5,224 |
| Retained earnings to average equity (ytd only) | 1.1580% | 4,968 |
| Net charge-offs to loans | 0.6391% | 3,102 |
| Credit loss provision to net charge-offs | 86.4111% | 5,265 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 5,112 |
| Efficiency ratio | 87.9209% | 1,489 |
| Assets per employee ($millions) | 3.4443% | 5,072 |
| Cash dividends to net income (ytd only)* | 51.6129% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 7,015 |
| Loan loss allowance to noncurrent loans | 33.8630% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 1.7435% | 3,688 |
| Noncurrent loans to loans | 2.3050% | 3,217 |
| Net loans and leases to total assets | 66.2358% | 3,419 |
| Net loans and leases to deposits | 83.0447% | 2,619 |
| Net loans and leases to core deposits | 88.5823% | 2,968 |
| Total domestic deposits to total assets | 79.7592% | 5,896 |
| Equity capital to assets | 9.9309% | 3,837 |
| Core capital (leverage) ratio | 9.4806% | 3,727 |
| Tier 1 risk-based capital ratio | 16.3718% | 2,583 |
| Total risk-based capital ratio | 17.2312% | 2,713 |
| Memoranda: | ||
| Average total assets | $65,063,400 | 6,030 |
| Average earning assets | $61,117,800 | 5,954 |
| Average equity | $6,476,600 | 6,209 |
| Average total loans | $44,905,400 | 5,709 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1392% | 4,127 |
| Cost of funding earning assets | 1.6745% | 1,989 |
| Net interest margin | 3.4647% | 5,435 |
| Noninterest income to average assets | 0.3550% | 5,324 |
| Noninterest expense to average assets | 3.1050% | 3,314 |
| Loan and lease loss provision to assets | 0.3345% | 3,927 |
| Net operating income to assets | 0.1231% | 5,707 |
| Return on assets (ROA) | 0.1231% | 5,871 |
| Pretax return on assets | 0.1724% | 5,789 |
| Return on Equity (ROE) | 1.2363% | 5,840 |
| Retained earnings to average equity (ytd only) | 0.4121% | 5,630 |
| Net charge-offs to loans | 0.1534% | 5,083 |
| Credit loss provision to net charge-offs | 313.4615% | 1,008 |
| Earnings coverage of net charge-offs (x) | 4.7502% | 2,936 |
| Efficiency ratio | 85.9659% | 1,637 |
| Assets per employee ($millions) | 3.6011% | 4,734 |
| Cash dividends to net income (ytd only)* | 66.6625% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 6,028 |
| Loan loss allowance to noncurrent loans | 47.6237% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 1.5829% | 4,072 |
| Noncurrent loans to loans | 2.2641% | 3,369 |
| Net loans and leases to total assets | 65.8375% | 3,726 |
| Net loans and leases to deposits | 80.2473% | 3,404 |
| Net loans and leases to core deposits | 91.2306% | 2,915 |
| Total domestic deposits to total assets | 82.0433% | 4,973 |
| Equity capital to assets | 9.4899% | 4,860 |
| Core capital (leverage) ratio | 9.7696% | 3,524 |
| Tier 1 risk-based capital ratio | 15.7324% | 2,891 |
| Total risk-based capital ratio | 16.9317% | 2,871 |
| Memoranda: | ||
| Average total assets | $64,968,750 | 6,101 |
| Average earning assets | $61,071,500 | 6,025 |
| Average equity | $6,471,000 | 6,291 |
| Average total loans | $45,210,000 | 5,776 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2385% | 3,769 |
| Cost of funding earning assets | 1.7629% | 1,799 |
| Net interest margin | 3.4757% | 5,338 |
| Noninterest income to average assets | 0.3416% | 5,419 |
| Noninterest expense to average assets | 3.1057% | 3,289 |
| Loan and lease loss provision to assets | 0.0846% | 6,080 |
| Net operating income to assets | 0.3541% | 4,954 |
| Return on assets (ROA) | 0.3541% | 5,115 |
| Pretax return on assets | 0.4137% | 5,185 |
| Return on Equity (ROE) | 3.4965% | 5,018 |
| Retained earnings to average equity (ytd only) | 2.2588% | 4,715 |
| Net charge-offs to loans | 0.0621% | 5,522 |
| Credit loss provision to net charge-offs | 192.8571% | 2,044 |
| Earnings coverage of net charge-offs (x) | 11.3571% | 1,770 |
| Efficiency ratio | 86.1739% | 1,692 |
| Assets per employee ($millions) | 3.5709% | 4,750 |
| Cash dividends to net income (ytd only)* | 35.3982% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 6,855 |
| Loan loss allowance to noncurrent loans | 42.4406% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 1.4407% | 4,305 |
| Noncurrent loans to loans | 2.0469% | 3,655 |
| Net loans and leases to total assets | 69.7725% | 2,961 |
| Net loans and leases to deposits | 86.4637% | 2,434 |
| Net loans and leases to core deposits | 91.9882% | 2,990 |
| Total domestic deposits to total assets | 80.6957% | 5,509 |
| Equity capital to assets | 10.1033% | 3,886 |
| Core capital (leverage) ratio | 10.0049% | 3,159 |
| Tier 1 risk-based capital ratio | 16.4210% | 2,508 |
| Total risk-based capital ratio | 17.4147% | 2,562 |
| Memoranda: | ||
| Average total assets | $63,818,330 | 6,183 |
| Average earning assets | $59,902,330 | 6,103 |
| Average equity | $6,463,670 | 6,312 |
| Average total loans | $45,101,000 | 5,814 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 4,179 |
| Cost of funding earning assets | 1.8360% | 1,717 |
| Net interest margin | 3.3370% | 5,831 |
| Noninterest income to average assets | 0.3334% | 5,478 |
| Noninterest expense to average assets | 3.0886% | 3,316 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3460% | 5,098 |
| Return on assets (ROA) | 0.3460% | 5,221 |
| Pretax return on assets | 0.3774% | 5,358 |
| Return on Equity (ROE) | 3.4116% | 5,161 |
| Retained earnings to average equity (ytd only) | 3.4116% | 4,111 |
| Net charge-offs to loans | 0.0355% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,397 |
| Efficiency ratio | 89.1107% | 1,496 |
| Assets per employee ($millions) | 3.8221% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8344% | 7,043 |
| Loan loss allowance to noncurrent loans | 63.4064% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 0.9773% | 5,193 |
| Noncurrent loans to loans | 1.3159% | 4,781 |
| Net loans and leases to total assets | 68.7762% | 3,206 |
| Net loans and leases to deposits | 84.9905% | 2,770 |
| Net loans and leases to core deposits | 91.2559% | 3,207 |
| Total domestic deposits to total assets | 80.9222% | 5,487 |
| Equity capital to assets | 9.9668% | 3,910 |
| Core capital (leverage) ratio | 9.9772% | 3,191 |
| Tier 1 risk-based capital ratio | 16.2115% | 2,562 |
| Total risk-based capital ratio | 17.1527% | 2,633 |
| Memoranda: | ||
| Average total assets | $63,589,500 | 6,256 |
| Average earning assets | $59,693,500 | 6,185 |
| Average equity | $6,448,500 | 6,363 |
| Average total loans | $45,031,500 | 5,885 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3211% | 5,075 |
| Cost of funding earning assets | 2.1876% | 2,088 |
| Net interest margin | 3.1336% | 6,273 |
| Noninterest income to average assets | 0.3408% | 5,647 |
| Noninterest expense to average assets | 3.1358% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1600% | 5,021 |
| Return on assets (ROA) | 0.1600% | 5,093 |
| Pretax return on assets | 0.1568% | 5,094 |
| Return on Equity (ROE) | 1.5553% | 5,064 |
| Retained earnings to average equity (ytd only) | 0.3111% | 4,734 |
| Net charge-offs to loans | 0.4163% | 4,146 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 0.5241% | 5,593 |
| Efficiency ratio | 95.2381% | 1,338 |
| Assets per employee ($millions) | 3.6590% | 4,625 |
| Cash dividends to net income (ytd only)* | 80.0000% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 7,000 |
| Loan loss allowance to noncurrent loans | 51.6304% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 1.2507% | 4,592 |
| Noncurrent loans to loans | 1.6356% | 4,190 |
| Net loans and leases to total assets | 71.7313% | 2,829 |
| Net loans and leases to deposits | 89.5820% | 2,283 |
| Net loans and leases to core deposits | 120.4714% | 1,915 |
| Total domestic deposits to total assets | 80.0733% | 5,652 |
| Equity capital to assets | 10.3227% | 3,380 |
| Core capital (leverage) ratio | 9.9714% | 3,118 |
| Tier 1 risk-based capital ratio | 16.2343% | 2,420 |
| Total risk-based capital ratio | 17.1951% | 2,474 |
| Memoranda: | ||
| Average total assets | $62,504,800 | 6,253 |
| Average earning assets | $58,878,600 | 6,174 |
| Average equity | $6,429,800 | 6,452 |
| Average total loans | $44,917,800 | 5,875 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3289% | 5,285 |
| Cost of funding earning assets | 2.2219% | 2,305 |
| Net interest margin | 3.1070% | 6,299 |
| Noninterest income to average assets | 0.3430% | 5,751 |
| Noninterest expense to average assets | 3.1063% | 3,630 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1726% | 5,239 |
| Return on assets (ROA) | 0.1726% | 5,312 |
| Pretax return on assets | 0.1683% | 5,366 |
| Return on Equity (ROE) | 1.6791% | 5,274 |
| Retained earnings to average equity (ytd only) | 0.8500% | 4,826 |
| Net charge-offs to loans | 0.2910% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 0.8061% | 5,247 |
| Efficiency ratio | 94.8601% | 1,343 |
| Assets per employee ($millions) | 3.5987% | 4,693 |
| Cash dividends to net income (ytd only)* | 49.3796% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 6,108 |
| Loan loss allowance to noncurrent loans | 50.7027% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 1.4867% | 4,147 |
| Noncurrent loans to loans | 2.0314% | 3,593 |
| Net loans and leases to total assets | 69.5721% | 3,605 |
| Net loans and leases to deposits | 89.0985% | 2,767 |
| Net loans and leases to core deposits | 119.9329% | 2,251 |
| Total domestic deposits to total assets | 78.0845% | 6,065 |
| Equity capital to assets | 9.9450% | 4,159 |
| Core capital (leverage) ratio | 9.9363% | 3,358 |
| Tier 1 risk-based capital ratio | 15.6359% | 2,758 |
| Total risk-based capital ratio | 16.7743% | 2,753 |
| Memoranda: | ||
| Average total assets | $62,580,250 | 6,293 |
| Average earning assets | $59,047,500 | 6,212 |
| Average equity | $6,432,000 | 6,510 |
| Average total loans | $44,897,500 | 5,929 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2358% | 5,935 |
| Cost of funding earning assets | 2.2390% | 2,630 |
| Net interest margin | 2.9968% | 6,562 |
| Noninterest income to average assets | 0.4689% | 4,720 |
| Noninterest expense to average assets | 3.0656% | 3,825 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2264% | 5,172 |
| Return on assets (ROA) | 0.2264% | 5,258 |
| Pretax return on assets | 0.2296% | 5,387 |
| Return on Equity (ROE) | 2.1777% | 5,227 |
| Retained earnings to average equity (ytd only) | 0.9333% | 4,807 |
| Net charge-offs to loans | 0.3715% | 3,330 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.8554% | 4,901 |
| Efficiency ratio | 93.0324% | 1,565 |
| Assets per employee ($millions) | 3.7933% | 4,108 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 5,821 |
| Loan loss allowance to noncurrent loans | 71.4919% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.1320% | 4,690 |
| Noncurrent loans to loans | 1.4872% | 4,266 |
| Net loans and leases to total assets | 69.8415% | 3,742 |
| Net loans and leases to deposits | 89.8639% | 2,851 |
| Net loans and leases to core deposits | 120.8360% | 2,289 |
| Total domestic deposits to total assets | 77.7192% | 6,149 |
| Equity capital to assets | 9.9727% | 3,979 |
| Core capital (leverage) ratio | 9.9930% | 3,307 |
| Tier 1 risk-based capital ratio | 13.2729% | 3,956 |
| Total risk-based capital ratio | 14.2719% | 4,053 |
| Memoranda: | ||
| Average total assets | $61,848,330 | 6,378 |
| Average earning assets | $58,329,330 | 6,299 |
| Average equity | $6,428,670 | 6,561 |
| Average total loans | $44,685,000 | 5,994 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3344% | 5,730 |
| Cost of funding earning assets | 2.2922% | 2,734 |
| Net interest margin | 3.0422% | 6,366 |
| Noninterest income to average assets | 0.5221% | 4,119 |
| Noninterest expense to average assets | 3.0002% | 3,767 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3502% | 5,069 |
| Return on assets (ROA) | 0.3502% | 5,252 |
| Pretax return on assets | 0.3899% | 5,426 |
| Return on Equity (ROE) | 3.2983% | 5,247 |
| Retained earnings to average equity (ytd only) | 3.2983% | 4,045 |
| Net charge-offs to loans | 0.7229% | 1,743 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.7375% | 4,432 |
| Efficiency ratio | 88.4990% | 1,847 |
| Assets per employee ($millions) | 3.6818% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 5,519 |
| Loan loss allowance to noncurrent loans | 114.8585% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7845% | 5,212 |
| Noncurrent loans to loans | 0.9524% | 5,091 |
| Net loans and leases to total assets | 70.3504% | 3,598 |
| Net loans and leases to deposits | 91.4287% | 2,705 |
| Net loans and leases to core deposits | 116.4740% | 2,747 |
| Total domestic deposits to total assets | 76.9456% | 6,286 |
| Equity capital to assets | 10.3114% | 3,639 |
| Core capital (leverage) ratio | 10.5260% | 2,892 |
| Tier 1 risk-based capital ratio | 16.6323% | 2,471 |
| Total risk-based capital ratio | 17.8822% | 2,397 |
| Memoranda: | ||
| Average total assets | $60,529,500 | 6,454 |
| Average earning assets | $57,064,000 | 6,373 |
| Average equity | $6,427,500 | 6,603 |
| Average total loans | $44,266,500 | 6,048 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9160% | 5,960 |
| Cost of funding earning assets | 2.5151% | 4,120 |
| Net interest margin | 3.4009% | 5,661 |
| Noninterest income to average assets | 0.6173% | 3,729 |
| Noninterest expense to average assets | 3.1308% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4993% | 4,736 |
| Return on assets (ROA) | 0.4993% | 4,580 |
| Pretax return on assets | 0.6703% | 4,487 |
| Return on Equity (ROE) | 4.6285% | 4,546 |
| Retained earnings to average equity (ytd only) | 3.3604% | 3,059 |
| Net charge-offs to loans | -0.1538% | 8,140 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3662% | 2,256 |
| Assets per employee ($millions) | 3.4393% | 4,828 |
| Cash dividends to net income (ytd only)* | 27.3973% | 4,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 3,869 |
| Loan loss allowance to noncurrent loans | 100.1767% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.0177% | 4,285 |
| Noncurrent loans to loans | 1.2860% | 3,941 |
| Net loans and leases to total assets | 74.3073% | 3,031 |
| Net loans and leases to deposits | 98.8397% | 2,004 |
| Net loans and leases to core deposits | 120.4191% | 2,647 |
| Total domestic deposits to total assets | 75.1796% | 6,414 |
| Equity capital to assets | 10.9479% | 3,083 |
| Core capital (leverage) ratio | 10.9061% | 2,666 |
| Tier 1 risk-based capital ratio | 16.9815% | 2,317 |
| Total risk-based capital ratio | 18.2071% | 2,272 |
| Memoranda: | ||
| Average total assets | $58,483,000 | 6,431 |
| Average earning assets | $54,750,000 | 6,378 |
| Average equity | $6,308,800 | 6,699 |
| Average total loans | $43,552,600 | 6,000 |