Home > Frontier Savings Bank > Performance and Condition Ratios
Frontier Savings Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3863% | 5,019 |
| Cost of funding earning assets | 0.2505% | 4,802 |
| Net interest margin | 3.1357% | 4,595 |
| Noninterest income to average assets | 0.2234% | 4,588 |
| Noninterest expense to average assets | 2.9676% | 2,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1424% | 5,154 |
| Return on assets (ROA) | 0.1424% | 5,147 |
| Pretax return on assets | 0.1743% | 5,133 |
| Return on Equity (ROE) | 1.3671% | 5,124 |
| Retained earnings to average equity (ytd only) | 1.3671% | 4,589 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4531% | 233 |
| Assets per employee ($millions) | 5.1010% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 3,997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8381% | 1,666 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 47.8191% | 4,650 |
| Net loans and leases to deposits | 58.1743% | 4,568 |
| Net loans and leases to core deposits | 58.1743% | 4,696 |
| Total domestic deposits to total assets | 82.1996% | 3,594 |
| Equity capital to assets | 10.4685% | 3,222 |
| Core capital (leverage) ratio | 11.0572% | 2,476 |
| Tier 1 risk-based capital ratio | 22.9310% | 928 |
| Total risk-based capital ratio | 23.9112% | 924 |
| Memoranda: | ||
| Average total assets | $40,740,400 | 5,085 |
| Average earning assets | $37,918,000 | 5,074 |
| Average equity | $4,242,600 | 5,147 |
| Average total loans | $17,696,200 | 5,127 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2613% | 5,158 |
| Cost of funding earning assets | 0.2325% | 4,876 |
| Net interest margin | 3.0289% | 4,806 |
| Noninterest income to average assets | 0.3994% | 3,485 |
| Noninterest expense to average assets | 3.0383% | 1,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1768% | 5,206 |
| Return on assets (ROA) | 0.1768% | 5,199 |
| Pretax return on assets | 0.1768% | 5,214 |
| Return on Equity (ROE) | 1.7000% | 5,163 |
| Retained earnings to average equity (ytd only) | 1.7000% | 4,674 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5010% | 235 |
| Assets per employee ($millions) | 4.8776% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8765% | 1,683 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 43.9251% | 4,882 |
| Net loans and leases to deposits | 51.1443% | 4,912 |
| Net loans and leases to core deposits | 51.1443% | 4,989 |
| Total domestic deposits to total assets | 85.8845% | 2,247 |
| Equity capital to assets | 10.8454% | 2,805 |
| Core capital (leverage) ratio | 10.8835% | 2,691 |
| Tier 1 risk-based capital ratio | 25.7458% | 696 |
| Total risk-based capital ratio | 26.8473% | 692 |
| Memoranda: | ||
| Average total assets | $40,723,500 | 5,150 |
| Average earning assets | $37,857,250 | 5,139 |
| Average equity | $4,235,250 | 5,215 |
| Average total loans | $17,195,500 | 5,204 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1664% | 5,254 |
| Cost of funding earning assets | 0.1823% | 5,104 |
| Net interest margin | 2.9841% | 4,899 |
| Noninterest income to average assets | 0.4020% | 3,467 |
| Noninterest expense to average assets | 2.9789% | 2,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1986% | 5,229 |
| Return on assets (ROA) | 0.1986% | 5,222 |
| Pretax return on assets | 0.1986% | 5,239 |
| Return on Equity (ROE) | 1.9356% | 5,180 |
| Retained earnings to average equity (ytd only) | 1.9356% | 4,480 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7500% | 269 |
| Assets per employee ($millions) | 4.9114% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 3,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8704% | 1,720 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 41.9053% | 4,988 |
| Net loans and leases to deposits | 48.7375% | 5,009 |
| Net loans and leases to core deposits | 48.7375% | 5,070 |
| Total domestic deposits to total assets | 85.9815% | 2,293 |
| Equity capital to assets | 10.7760% | 2,859 |
| Core capital (leverage) ratio | 10.1778% | 3,386 |
| Tier 1 risk-based capital ratio | 21.9893% | 1,035 |
| Total risk-based capital ratio | 22.9329% | 1,052 |
| Memoranda: | ||
| Average total assets | $41,291,000 | 5,202 |
| Average earning assets | $38,403,330 | 5,189 |
| Average equity | $4,236,330 | 5,270 |
| Average total loans | $17,152,330 | 5,265 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9785% | 5,387 |
| Cost of funding earning assets | 0.1220% | 5,384 |
| Net interest margin | 2.8565% | 5,089 |
| Noninterest income to average assets | 0.3689% | 3,669 |
| Noninterest expense to average assets | 2.9226% | 2,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1040% | 5,327 |
| Return on assets (ROA) | 0.1040% | 5,323 |
| Pretax return on assets | 0.1040% | 5,334 |
| Return on Equity (ROE) | 1.0383% | 5,305 |
| Retained earnings to average equity (ytd only) | 1.0383% | 4,621 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5625% | 242 |
| Assets per employee ($millions) | 5.2175% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 3,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8194% | 1,931 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 42.9061% | 4,947 |
| Net loans and leases to deposits | 52.9915% | 4,841 |
| Net loans and leases to core deposits | 52.9915% | 4,951 |
| Total domestic deposits to total assets | 80.9679% | 4,217 |
| Equity capital to assets | 10.0743% | 3,530 |
| Core capital (leverage) ratio | 9.9006% | 3,648 |
| Tier 1 risk-based capital ratio | 24.0303% | 837 |
| Total risk-based capital ratio | 25.0688% | 836 |
| Memoranda: | ||
| Average total assets | $42,291,000 | 5,248 |
| Average earning assets | $39,348,500 | 5,231 |
| Average equity | $4,237,500 | 5,324 |
| Average total loans | $17,403,500 | 5,316 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9430% | 5,392 |
| Cost of funding earning assets | 0.1173% | 5,427 |
| Net interest margin | 2.8257% | 5,140 |
| Noninterest income to average assets | 0.3692% | 3,831 |
| Noninterest expense to average assets | 2.9369% | 2,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0214% | 5,339 |
| Return on assets (ROA) | 0.0214% | 5,339 |
| Pretax return on assets | 0.0715% | 5,394 |
| Return on Equity (ROE) | 0.2104% | 5,336 |
| Retained earnings to average equity (ytd only) | 0.2104% | 4,934 |
| Net charge-offs to loans | 0.0117% | 3,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,277 |
| Efficiency ratio | 97.6247% | 214 |
| Assets per employee ($millions) | 5.3553% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 3,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7983% | 1,951 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 38.5790% | 5,192 |
| Net loans and leases to deposits | 47.3867% | 5,147 |
| Net loans and leases to core deposits | 47.3867% | 5,213 |
| Total domestic deposits to total assets | 81.4131% | 4,020 |
| Equity capital to assets | 9.9669% | 3,741 |
| Core capital (leverage) ratio | 9.9012% | 3,579 |
| Tier 1 risk-based capital ratio | 25.8992% | 672 |
| Total risk-based capital ratio | 27.0213% | 666 |
| Memoranda: | ||
| Average total assets | $41,982,400 | 5,303 |
| Average earning assets | $39,211,200 | 5,288 |
| Average equity | $4,277,000 | 5,380 |
| Average total loans | $17,149,200 | 5,381 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9724% | 5,430 |
| Cost of funding earning assets | 0.1162% | 5,494 |
| Net interest margin | 2.8562% | 5,148 |
| Noninterest income to average assets | 0.3511% | 4,021 |
| Noninterest expense to average assets | 2.8826% | 2,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1373% | 5,410 |
| Return on assets (ROA) | 0.1373% | 5,417 |
| Pretax return on assets | 0.1373% | 5,435 |
| Return on Equity (ROE) | 1.3399% | 5,390 |
| Retained earnings to average equity (ytd only) | 1.3399% | 4,868 |
| Net charge-offs to loans | 0.0155% | 3,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 21.4719% | 1,914 |
| Efficiency ratio | 95.4545% | 258 |
| Assets per employee ($millions) | 5.2271% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 2,103 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 42.9251% | 5,080 |
| Net loans and leases to deposits | 53.0484% | 5,004 |
| Net loans and leases to core deposits | 53.0484% | 5,104 |
| Total domestic deposits to total assets | 80.9169% | 4,074 |
| Equity capital to assets | 10.2925% | 3,596 |
| Core capital (leverage) ratio | 10.3494% | 3,140 |
| Tier 1 risk-based capital ratio | 24.7612% | 780 |
| Total risk-based capital ratio | 25.8256% | 778 |
| Memoranda: | ||
| Average total assets | $41,767,500 | 5,366 |
| Average earning assets | $39,025,000 | 5,348 |
| Average equity | $4,278,750 | 5,441 |
| Average total loans | $17,258,250 | 5,436 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0057% | 5,431 |
| Cost of funding earning assets | 0.1231% | 5,489 |
| Net interest margin | 2.8826% | 5,127 |
| Noninterest income to average assets | 0.3353% | 4,147 |
| Noninterest expense to average assets | 2.9029% | 2,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1245% | 5,466 |
| Return on assets (ROA) | 0.1245% | 5,470 |
| Pretax return on assets | 0.1245% | 5,489 |
| Return on Equity (ROE) | 1.2177% | 5,444 |
| Retained earnings to average equity (ytd only) | 1.2177% | 4,756 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8861% | 264 |
| Assets per employee ($millions) | 4.6210% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,746 |
| Loan loss allowance to noncurrent loans | 9,350.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.8271% | 2,143 |
| Noncurrent loans to loans | 0.0114% | 5,133 |
| Net loans and leases to total assets | 41.6576% | 5,161 |
| Net loans and leases to deposits | 51.3912% | 5,084 |
| Net loans and leases to core deposits | 51.3912% | 5,172 |
| Total domestic deposits to total assets | 81.0599% | 4,168 |
| Equity capital to assets | 10.3080% | 3,560 |
| Core capital (leverage) ratio | 9.9972% | 3,544 |
| Tier 1 risk-based capital ratio | 25.4105% | 712 |
| Total risk-based capital ratio | 26.5189% | 711 |
| Memoranda: | ||
| Average total assets | $41,751,000 | 5,411 |
| Average earning assets | $38,992,330 | 5,393 |
| Average equity | $4,270,330 | 5,480 |
| Average total loans | $16,966,000 | 5,493 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9768% | 5,481 |
| Cost of funding earning assets | 0.1236% | 5,536 |
| Net interest margin | 2.8532% | 5,159 |
| Noninterest income to average assets | 0.3060% | 4,376 |
| Noninterest expense to average assets | 2.9356% | 2,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0191% | 5,594 |
| Return on assets (ROA) | 0.0191% | 5,601 |
| Pretax return on assets | 0.0191% | 5,592 |
| Return on Equity (ROE) | 0.1877% | 5,596 |
| Retained earnings to average equity (ytd only) | 0.1877% | 4,876 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3528% | 232 |
| Assets per employee ($millions) | 4.7643% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 4,248 |
| Loan loss allowance to noncurrent loans | 9,350.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 1.4133% | 1,176 |
| Noncurrent loans to loans | 0.0107% | 5,201 |
| Net loans and leases to total assets | 42.9767% | 5,105 |
| Net loans and leases to deposits | 52.4581% | 5,014 |
| Net loans and leases to core deposits | 52.4581% | 5,127 |
| Total domestic deposits to total assets | 81.9259% | 4,186 |
| Equity capital to assets | 9.9419% | 3,824 |
| Core capital (leverage) ratio | 10.5850% | 2,808 |
| Tier 1 risk-based capital ratio | 24.3211% | 837 |
| Total risk-based capital ratio | 25.3880% | 836 |
| Memoranda: | ||
| Average total assets | $41,832,000 | 5,470 |
| Average earning assets | $38,833,000 | 5,453 |
| Average equity | $4,262,000 | 5,531 |
| Average total loans | $16,693,000 | 5,561 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9657% | 5,524 |
| Cost of funding earning assets | 0.1338% | 5,525 |
| Net interest margin | 2.8319% | 5,239 |
| Noninterest income to average assets | 0.4398% | 3,620 |
| Noninterest expense to average assets | 3.9253% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.5618% | 5,795 |
| Return on assets (ROA) | -0.5618% | 5,799 |
| Pretax return on assets | -0.8491% | 5,820 |
| Return on Equity (ROE) | -5.0093% | 5,788 |
| Retained earnings to average equity (ytd only) | -5.0093% | 5,675 |
| Net charge-offs to loans | 0.0885% | 2,435 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -25.6923% | 4,261 |
| Efficiency ratio | 127.6033% | 68 |
| Assets per employee ($millions) | 4.5317% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 2,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4809% | 1,141 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 35.7582% | 5,492 |
| Net loans and leases to deposits | 41.3555% | 5,505 |
| Net loans and leases to core deposits | 41.3555% | 5,562 |
| Total domestic deposits to total assets | 86.4656% | 2,389 |
| Equity capital to assets | 10.4475% | 3,214 |
| Core capital (leverage) ratio | 10.5132% | 2,870 |
| Tier 1 risk-based capital ratio | 31.5466% | 425 |
| Total risk-based capital ratio | 32.7978% | 420 |
| Memoranda: | ||
| Average total assets | $39,334,600 | 5,553 |
| Average earning assets | $36,618,400 | 5,533 |
| Average equity | $4,411,800 | 5,570 |
| Average total loans | $14,683,200 | 5,669 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9879% | 5,578 |
| Cost of funding earning assets | 0.1361% | 5,579 |
| Net interest margin | 2.8517% | 5,262 |
| Noninterest income to average assets | 0.4345% | 3,661 |
| Noninterest expense to average assets | 3.2433% | 1,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.1574% | 5,781 |
| Return on assets (ROA) | -0.1574% | 5,796 |
| Pretax return on assets | -0.1574% | 5,784 |
| Return on Equity (ROE) | -1.3784% | 5,796 |
| Retained earnings to average equity (ytd only) | -1.3784% | 5,536 |
| Net charge-offs to loans | 0.1182% | 1,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -3.5389% | 3,884 |
| Efficiency ratio | 105.0998% | 166 |
| Assets per employee ($millions) | 4.5786% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 2,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4658% | 1,234 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 35.1809% | 5,581 |
| Net loans and leases to deposits | 40.8746% | 5,611 |
| Net loans and leases to core deposits | 40.8746% | 5,662 |
| Total domestic deposits to total assets | 86.0703% | 2,317 |
| Equity capital to assets | 10.7652% | 3,291 |
| Core capital (leverage) ratio | 10.8338% | 2,644 |
| Tier 1 risk-based capital ratio | 48.3699% | 147 |
| Total risk-based capital ratio | 49.6347% | 148 |
| Memoranda: | ||
| Average total assets | $38,972,000 | 5,612 |
| Average earning assets | $36,234,500 | 5,593 |
| Average equity | $4,449,500 | 5,625 |
| Average total loans | $14,661,250 | 5,729 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0413% | 5,609 |
| Cost of funding earning assets | 0.1295% | 5,693 |
| Net interest margin | 2.9118% | 5,246 |
| Noninterest income to average assets | 0.4029% | 3,854 |
| Noninterest expense to average assets | 3.3223% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.2145% | 5,852 |
| Return on assets (ROA) | -0.2145% | 5,865 |
| Pretax return on assets | -0.2145% | 5,859 |
| Return on Equity (ROE) | -1.8410% | 5,866 |
| Retained earnings to average equity (ytd only) | -1.8410% | 5,519 |
| Net charge-offs to loans | 0.1774% | 1,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -3.1538% | 3,614 |
| Efficiency ratio | 106.9024% | 165 |
| Assets per employee ($millions) | 3.8395% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 2,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5731% | 1,186 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 35.4083% | 5,635 |
| Net loans and leases to deposits | 40.4300% | 5,673 |
| Net loans and leases to core deposits | 40.4300% | 5,729 |
| Total domestic deposits to total assets | 87.5791% | 1,635 |
| Equity capital to assets | 11.5666% | 2,479 |
| Core capital (leverage) ratio | 11.5567% | 1,950 |
| Tier 1 risk-based capital ratio | 35.7914% | 316 |
| Total risk-based capital ratio | 37.0406% | 311 |
| Memoranda: | ||
| Average total assets | $38,227,000 | 5,695 |
| Average earning assets | $35,510,670 | 5,676 |
| Average equity | $4,454,000 | 5,685 |
| Average total loans | $14,653,670 | 5,799 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0792% | 5,625 |
| Cost of funding earning assets | 0.1353% | 5,714 |
| Net interest margin | 2.9438% | 5,235 |
| Noninterest income to average assets | 0.3041% | 4,547 |
| Noninterest expense to average assets | 3.4921% | 1,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.4509% | 5,952 |
| Return on assets (ROA) | -0.4509% | 5,960 |
| Pretax return on assets | -0.4509% | 5,949 |
| Return on Equity (ROE) | -3.8561% | 5,957 |
| Retained earnings to average equity (ytd only) | -3.8561% | 5,541 |
| Net charge-offs to loans | 0.1591% | 1,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -7.1667% | 3,053 |
| Efficiency ratio | 114.8276% | 129 |
| Assets per employee ($millions) | 3.8239% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,985 |
| Loan loss allowance to noncurrent loans | 67.3611% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 2.3327% | 667 |
| Noncurrent loans to loans | 1.9074% | 1,148 |
| Net loans and leases to total assets | 38.9785% | 5,510 |
| Net loans and leases to deposits | 44.4806% | 5,572 |
| Net loans and leases to core deposits | 44.4806% | 5,643 |
| Total domestic deposits to total assets | 87.6304% | 1,845 |
| Equity capital to assets | 11.6086% | 2,336 |
| Core capital (leverage) ratio | 11.7999% | 1,749 |
| Tier 1 risk-based capital ratio | 31.9813% | 433 |
| Total risk-based capital ratio | 33.2349% | 427 |
| Memoranda: | ||
| Average total assets | $38,143,000 | 5,754 |
| Average earning assets | $35,464,000 | 5,732 |
| Average equity | $4,460,500 | 5,730 |
| Average total loans | $15,089,500 | 5,847 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4611% | 5,022 |
| Cost of funding earning assets | 0.1389% | 5,761 |
| Net interest margin | 3.3221% | 4,205 |
| Noninterest income to average assets | 0.5067% | 3,275 |
| Noninterest expense to average assets | 3.2621% | 1,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2109% | 5,551 |
| Return on assets (ROA) | 0.2109% | 5,612 |
| Pretax return on assets | 0.3232% | 5,473 |
| Return on Equity (ROE) | 1.7309% | 5,641 |
| Retained earnings to average equity (ytd only) | 1.7309% | 4,739 |
| Net charge-offs to loans | -0.0061% | 5,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9855% | 634 |
| Assets per employee ($millions) | 3.8047% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 2,767 |
| Loan loss allowance to noncurrent loans | 52.2193% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 2.5942% | 579 |
| Noncurrent loans to loans | 2.5398% | 717 |
| Net loans and leases to total assets | 39.1095% | 5,567 |
| Net loans and leases to deposits | 44.7344% | 5,626 |
| Net loans and leases to core deposits | 44.7344% | 5,694 |
| Total domestic deposits to total assets | 87.4261% | 1,913 |
| Equity capital to assets | 11.7802% | 2,128 |
| Core capital (leverage) ratio | 12.1375% | 1,535 |
| Tier 1 risk-based capital ratio | 32.6581% | 408 |
| Total risk-based capital ratio | 33.9114% | 395 |
| Memoranda: | ||
| Average total assets | $36,509,800 | 5,839 |
| Average earning assets | $33,833,600 | 5,816 |
| Average equity | $4,448,600 | 5,769 |
| Average total loans | $16,446,000 | 5,850 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5839% | 4,785 |
| Cost of funding earning assets | 0.1397% | 5,853 |
| Net interest margin | 3.4443% | 3,773 |
| Noninterest income to average assets | 0.5167% | 3,249 |
| Noninterest expense to average assets | 3.2774% | 1,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2215% | 5,637 |
| Return on assets (ROA) | 0.2215% | 5,706 |
| Pretax return on assets | 0.4244% | 5,411 |
| Return on Equity (ROE) | 1.8017% | 5,711 |
| Retained earnings to average equity (ytd only) | 1.8017% | 4,979 |
| Net charge-offs to loans | -0.0079% | 4,919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5344% | 797 |
| Assets per employee ($millions) | 3.6398% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 3,196 |
| Loan loss allowance to noncurrent loans | 68.7285% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 2.4589% | 714 |
| Noncurrent loans to loans | 1.8647% | 1,248 |
| Net loans and leases to total assets | 42.3265% | 5,470 |
| Net loans and leases to deposits | 48.7223% | 5,526 |
| Net loans and leases to core deposits | 48.7223% | 5,620 |
| Total domestic deposits to total assets | 86.8729% | 2,108 |
| Equity capital to assets | 12.2672% | 1,897 |
| Core capital (leverage) ratio | 12.0341% | 1,656 |
| Tier 1 risk-based capital ratio | 31.9248% | 445 |
| Total risk-based capital ratio | 33.1760% | 437 |
| Memoranda: | ||
| Average total assets | $36,125,500 | 5,925 |
| Average earning assets | $33,407,500 | 5,903 |
| Average equity | $4,440,250 | 5,852 |
| Average total loans | $16,787,500 | 5,911 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6853% | 4,448 |
| Cost of funding earning assets | 0.1383% | 5,933 |
| Net interest margin | 3.5470% | 3,303 |
| Noninterest income to average assets | 0.5051% | 3,338 |
| Noninterest expense to average assets | 3.2691% | 1,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3108% | 5,412 |
| Return on assets (ROA) | 0.3108% | 5,506 |
| Pretax return on assets | 0.5106% | 5,196 |
| Return on Equity (ROE) | 2.5271% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.5271% | 4,446 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4905% | 1,024 |
| Assets per employee ($millions) | 4.0012% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 3,433 |
| Loan loss allowance to noncurrent loans | 3,316.6667% | 201 |
| Noncurrent assets plus other real estate owned to assets | 1.6939% | 1,405 |
| Noncurrent loans to loans | 0.0381% | 5,597 |
| Net loans and leases to total assets | 43.1590% | 5,428 |
| Net loans and leases to deposits | 49.7758% | 5,515 |
| Net loans and leases to core deposits | 49.7758% | 5,626 |
| Total domestic deposits to total assets | 86.7068% | 2,316 |
| Equity capital to assets | 12.3879% | 1,735 |
| Core capital (leverage) ratio | 12.2957% | 1,488 |
| Tier 1 risk-based capital ratio | 33.0029% | 424 |
| Total risk-based capital ratio | 34.2532% | 419 |
| Memoranda: | ||
| Average total assets | $36,034,670 | 5,997 |
| Average earning assets | $33,267,330 | 5,972 |
| Average equity | $4,432,000 | 5,908 |
| Average total loans | $17,181,330 | 5,953 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7098% | 4,327 |
| Cost of funding earning assets | 0.1561% | 5,880 |
| Net interest margin | 3.5537% | 3,213 |
| Noninterest income to average assets | 0.4883% | 3,362 |
| Noninterest expense to average assets | 3.3068% | 1,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2774% | 5,486 |
| Return on assets (ROA) | 0.2774% | 5,583 |
| Pretax return on assets | 0.4661% | 5,269 |
| Return on Equity (ROE) | 2.2637% | 5,620 |
| Retained earnings to average equity (ytd only) | 2.2637% | 4,552 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6471% | 1,043 |
| Assets per employee ($millions) | 3.6252% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 4,586 |
| Loan loss allowance to noncurrent loans | 1,421.4286% | 405 |
| Noncurrent assets plus other real estate owned to assets | 1.7047% | 1,468 |
| Noncurrent loans to loans | 0.0764% | 5,466 |
| Net loans and leases to total assets | 50.0000% | 4,851 |
| Net loans and leases to deposits | 57.5593% | 4,948 |
| Net loans and leases to core deposits | 57.5593% | 5,151 |
| Total domestic deposits to total assets | 86.8669% | 2,445 |
| Equity capital to assets | 12.2200% | 1,878 |
| Core capital (leverage) ratio | 12.2230% | 1,492 |
| Tier 1 risk-based capital ratio | 26.8517% | 724 |
| Total risk-based capital ratio | 28.0579% | 713 |
| Memoranda: | ||
| Average total assets | $36,046,500 | 6,052 |
| Average earning assets | $33,317,000 | 6,033 |
| Average equity | $4,417,500 | 5,966 |
| Average total loans | $17,901,500 | 5,982 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 4,342 |
| Cost of funding earning assets | 0.1398% | 6,158 |
| Net interest margin | 3.7039% | 2,993 |
| Noninterest income to average assets | 0.4590% | 3,785 |
| Noninterest expense to average assets | 3.3014% | 1,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3735% | 5,312 |
| Return on assets (ROA) | 0.3735% | 5,379 |
| Pretax return on assets | 0.5559% | 5,087 |
| Return on Equity (ROE) | 3.0237% | 5,468 |
| Retained earnings to average equity (ytd only) | 3.0237% | 4,089 |
| Net charge-offs to loans | 0.0058% | 4,818 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 195.0000% | 275 |
| Efficiency ratio | 85.5876% | 1,216 |
| Assets per employee ($millions) | 3.5841% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 4,343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6852% | 1,588 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 48.2102% | 5,130 |
| Net loans and leases to deposits | 55.5506% | 5,208 |
| Net loans and leases to core deposits | 55.5506% | 5,409 |
| Total domestic deposits to total assets | 86.7861% | 2,397 |
| Equity capital to assets | 12.2904% | 1,791 |
| Core capital (leverage) ratio | 12.1739% | 1,515 |
| Tier 1 risk-based capital ratio | 27.4199% | 649 |
| Total risk-based capital ratio | 28.6586% | 632 |
| Memoranda: | ||
| Average total assets | $35,076,000 | 6,157 |
| Average earning assets | $32,182,200 | 6,137 |
| Average equity | $4,332,400 | 6,026 |
| Average total loans | $17,213,400 | 6,078 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 4,328 |
| Cost of funding earning assets | 0.1337% | 6,272 |
| Net interest margin | 3.7255% | 2,923 |
| Noninterest income to average assets | 0.4625% | 3,793 |
| Noninterest expense to average assets | 3.3825% | 1,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3134% | 5,543 |
| Return on assets (ROA) | 0.3134% | 5,619 |
| Pretax return on assets | 0.4892% | 5,350 |
| Return on Equity (ROE) | 2.5342% | 5,696 |
| Retained earnings to average equity (ytd only) | 2.5342% | 4,781 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3643% | 1,062 |
| Assets per employee ($millions) | 3.5603% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 4,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6965% | 1,776 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 48.8723% | 5,121 |
| Net loans and leases to deposits | 55.7549% | 5,257 |
| Net loans and leases to core deposits | 55.7549% | 5,461 |
| Total domestic deposits to total assets | 87.6555% | 1,949 |
| Equity capital to assets | 12.2349% | 1,883 |
| Core capital (leverage) ratio | 12.1887% | 1,583 |
| Tier 1 risk-based capital ratio | 23.7955% | 1,013 |
| Total risk-based capital ratio | 24.8880% | 1,015 |
| Memoranda: | ||
| Average total assets | $34,884,750 | 6,233 |
| Average earning assets | $31,923,500 | 6,223 |
| Average equity | $4,314,250 | 6,091 |
| Average total loans | $17,147,250 | 6,143 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8946% | 4,156 |
| Cost of funding earning assets | 0.1267% | 6,375 |
| Net interest margin | 3.7680% | 2,677 |
| Noninterest income to average assets | 0.4445% | 3,906 |
| Noninterest expense to average assets | 3.4348% | 1,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2829% | 5,622 |
| Return on assets (ROA) | 0.2829% | 5,692 |
| Pretax return on assets | 0.4445% | 5,440 |
| Return on Equity (ROE) | 2.2789% | 5,768 |
| Retained earnings to average equity (ytd only) | 2.2789% | 4,750 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5417% | 1,038 |
| Assets per employee ($millions) | 3.5296% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 4,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9181% | 1,683 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 48.2859% | 5,150 |
| Net loans and leases to deposits | 55.1161% | 5,274 |
| Net loans and leases to core deposits | 55.1161% | 5,473 |
| Total domestic deposits to total assets | 87.6077% | 2,139 |
| Equity capital to assets | 12.2478% | 1,815 |
| Core capital (leverage) ratio | 12.5043% | 1,391 |
| Tier 1 risk-based capital ratio | 23.6838% | 1,022 |
| Total risk-based capital ratio | 24.7795% | 1,025 |
| Memoranda: | ||
| Average total assets | $34,645,330 | 6,297 |
| Average earning assets | $31,582,000 | 6,283 |
| Average equity | $4,300,330 | 6,138 |
| Average total loans | $16,996,330 | 6,199 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 3,796 |
| Cost of funding earning assets | 0.1282% | 6,456 |
| Net interest margin | 3.8454% | 2,290 |
| Noninterest income to average assets | 0.3963% | 4,218 |
| Noninterest expense to average assets | 3.4732% | 1,540 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3263% | 5,405 |
| Return on assets (ROA) | 0.3263% | 5,455 |
| Pretax return on assets | 0.4196% | 5,387 |
| Return on Equity (ROE) | 2.6113% | 5,584 |
| Retained earnings to average equity (ytd only) | 2.6113% | 4,509 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2216% | 1,100 |
| Assets per employee ($millions) | 3.1422% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 4,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3753% | 1,369 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 48.7241% | 5,036 |
| Net loans and leases to deposits | 55.8111% | 5,130 |
| Net loans and leases to core deposits | 55.8111% | 5,370 |
| Total domestic deposits to total assets | 87.3018% | 2,638 |
| Equity capital to assets | 12.4494% | 1,607 |
| Core capital (leverage) ratio | 12.5186% | 1,378 |
| Tier 1 risk-based capital ratio | 24.0806% | 993 |
| Total risk-based capital ratio | 25.2001% | 987 |
| Memoranda: | ||
| Average total assets | $34,320,000 | 6,367 |
| Average earning assets | $31,206,000 | 6,357 |
| Average equity | $4,289,000 | 6,188 |
| Average total loans | $16,873,000 | 6,264 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 3,738 |
| Cost of funding earning assets | 0.1523% | 6,531 |
| Net interest margin | 3.9464% | 2,115 |
| Noninterest income to average assets | 0.6744% | 2,675 |
| Noninterest expense to average assets | 3.4662% | 1,738 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5242% | 4,621 |
| Return on assets (ROA) | 0.5242% | 4,746 |
| Pretax return on assets | 0.7951% | 4,163 |
| Return on Equity (ROE) | 4.2519% | 4,994 |
| Retained earnings to average equity (ytd only) | 4.2519% | 3,153 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3407% | 1,969 |
| Assets per employee ($millions) | 3.4076% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 4,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3565% | 1,475 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 48.4358% | 5,245 |
| Net loans and leases to deposits | 55.5855% | 5,340 |
| Net loans and leases to core deposits | 55.5855% | 5,568 |
| Total domestic deposits to total assets | 87.1376% | 2,651 |
| Equity capital to assets | 12.5455% | 1,494 |
| Core capital (leverage) ratio | 12.6641% | 1,277 |
| Tier 1 risk-based capital ratio | 23.7392% | 981 |
| Total risk-based capital ratio | 24.8500% | 988 |
| Memoranda: | ||
| Average total assets | $33,956,800 | 6,434 |
| Average earning assets | $30,863,200 | 6,431 |
| Average equity | $4,186,400 | 6,286 |
| Average total loans | $16,767,600 | 6,333 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 3,838 |
| Cost of funding earning assets | 0.1602% | 6,595 |
| Net interest margin | 3.9196% | 2,199 |
| Noninterest income to average assets | 0.6877% | 2,679 |
| Noninterest expense to average assets | 3.5212% | 1,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5345% | 4,643 |
| Return on assets (ROA) | 0.5345% | 4,797 |
| Pretax return on assets | 0.7231% | 4,598 |
| Return on Equity (ROE) | 4.3544% | 5,049 |
| Retained earnings to average equity (ytd only) | 4.3544% | 3,574 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9630% | 1,710 |
| Assets per employee ($millions) | 3.0295% | 5,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 5,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4097% | 1,610 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 50.7142% | 5,045 |
| Net loans and leases to deposits | 58.7479% | 5,106 |
| Net loans and leases to core deposits | 58.7479% | 5,386 |
| Total domestic deposits to total assets | 86.3252% | 3,062 |
| Equity capital to assets | 12.7026% | 1,476 |
| Core capital (leverage) ratio | 12.3454% | 1,494 |
| Tier 1 risk-based capital ratio | 23.0489% | 1,133 |
| Total risk-based capital ratio | 24.1381% | 1,146 |
| Memoranda: | ||
| Average total assets | $33,927,000 | 6,508 |
| Average earning assets | $30,785,000 | 6,497 |
| Average equity | $4,164,250 | 6,362 |
| Average total loans | $16,783,250 | 6,399 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 3,929 |
| Cost of funding earning assets | 0.1676% | 6,633 |
| Net interest margin | 3.8802% | 2,273 |
| Noninterest income to average assets | 0.7208% | 2,544 |
| Noninterest expense to average assets | 3.5162% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5391% | 4,614 |
| Return on assets (ROA) | 0.5391% | 4,781 |
| Pretax return on assets | 0.7325% | 4,565 |
| Return on Equity (ROE) | 4.4430% | 5,030 |
| Retained earnings to average equity (ytd only) | 4.4430% | 3,443 |
| Net charge-offs to loans | 0.0120% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 390 |
| Efficiency ratio | 82.7586% | 1,793 |
| Assets per employee ($millions) | 3.1217% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 5,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7589% | 2,478 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 48.9618% | 5,226 |
| Net loans and leases to deposits | 55.9222% | 5,353 |
| Net loans and leases to core deposits | 55.9222% | 5,601 |
| Total domestic deposits to total assets | 87.5535% | 2,518 |
| Equity capital to assets | 12.2019% | 1,772 |
| Core capital (leverage) ratio | 12.1645% | 1,529 |
| Tier 1 risk-based capital ratio | 22.7522% | 1,175 |
| Total risk-based capital ratio | 23.8333% | 1,183 |
| Memoranda: | ||
| Average total assets | $34,128,000 | 6,549 |
| Average earning assets | $31,029,330 | 6,536 |
| Average equity | $4,141,330 | 6,418 |
| Average total loans | $16,677,670 | 6,442 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 4,330 |
| Cost of funding earning assets | 0.1696% | 6,730 |
| Net interest margin | 3.7702% | 2,565 |
| Noninterest income to average assets | 0.6584% | 2,825 |
| Noninterest expense to average assets | 3.5153% | 1,591 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4232% | 5,038 |
| Return on assets (ROA) | 0.4232% | 5,189 |
| Pretax return on assets | 0.5408% | 5,143 |
| Return on Equity (ROE) | 3.4977% | 5,339 |
| Retained earnings to average equity (ytd only) | 3.4977% | 4,145 |
| Net charge-offs to loans | 0.0242% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 715 |
| Efficiency ratio | 86.6667% | 1,443 |
| Assets per employee ($millions) | 3.1568% | 5,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 5,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7394% | 2,682 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 47.3031% | 5,304 |
| Net loans and leases to deposits | 53.7887% | 5,454 |
| Net loans and leases to core deposits | 53.7887% | 5,686 |
| Total domestic deposits to total assets | 87.9424% | 2,356 |
| Equity capital to assets | 11.9078% | 2,105 |
| Core capital (leverage) ratio | 12.1237% | 1,503 |
| Tier 1 risk-based capital ratio | 22.5484% | 1,230 |
| Total risk-based capital ratio | 23.6344% | 1,243 |
| Memoranda: | ||
| Average total assets | $34,022,500 | 6,617 |
| Average earning assets | $30,661,500 | 6,610 |
| Average equity | $4,117,000 | 6,485 |
| Average total loans | $16,510,500 | 6,505 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 4,141 |
| Cost of funding earning assets | 0.2185% | 6,784 |
| Net interest margin | 4.0960% | 2,021 |
| Noninterest income to average assets | 0.6296% | 3,112 |
| Noninterest expense to average assets | 3.4706% | 1,896 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5483% | 4,487 |
| Return on assets (ROA) | 0.5483% | 4,740 |
| Pretax return on assets | 0.7743% | 4,390 |
| Return on Equity (ROE) | 4.5445% | 4,904 |
| Retained earnings to average equity (ytd only) | 4.5445% | 3,024 |
| Net charge-offs to loans | 0.0063% | 5,873 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 154 |
| Efficiency ratio | 81.7601% | 1,908 |
| Assets per employee ($millions) | 3.0291% | 5,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 5,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8127% | 2,697 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 48.6074% | 5,352 |
| Net loans and leases to deposits | 55.7541% | 5,470 |
| Net loans and leases to core deposits | 55.7541% | 5,731 |
| Total domestic deposits to total assets | 87.1819% | 2,719 |
| Equity capital to assets | 12.3019% | 1,858 |
| Core capital (leverage) ratio | 12.1399% | 1,485 |
| Tier 1 risk-based capital ratio | 20.5149% | 1,558 |
| Total risk-based capital ratio | 21.5166% | 1,583 |
| Memoranda: | ||
| Average total assets | $33,193,200 | 6,676 |
| Average earning assets | $29,297,200 | 6,683 |
| Average equity | $4,004,800 | 6,565 |
| Average total loans | $15,826,400 | 6,610 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3015% | 4,447 |
| Cost of funding earning assets | 0.2187% | 6,906 |
| Net interest margin | 4.0828% | 2,156 |
| Noninterest income to average assets | 0.6393% | 3,050 |
| Noninterest expense to average assets | 3.5140% | 1,724 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5508% | 4,621 |
| Return on assets (ROA) | 0.5508% | 4,876 |
| Pretax return on assets | 0.7277% | 4,756 |
| Return on Equity (ROE) | 4.5880% | 5,009 |
| Retained earnings to average equity (ytd only) | 4.5880% | 3,675 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8436% | 1,721 |
| Assets per employee ($millions) | 3.3317% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 5,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8129% | 2,899 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 48.2546% | 5,518 |
| Net loans and leases to deposits | 56.6870% | 5,570 |
| Net loans and leases to core deposits | 56.6870% | 5,838 |
| Total domestic deposits to total assets | 85.1247% | 3,694 |
| Equity capital to assets | 12.1740% | 2,133 |
| Core capital (leverage) ratio | 12.1893% | 1,538 |
| Tier 1 risk-based capital ratio | 20.1874% | 1,710 |
| Total risk-based capital ratio | 21.1890% | 1,753 |
| Memoranda: | ||
| Average total assets | $33,161,500 | 6,757 |
| Average earning assets | $29,260,250 | 6,772 |
| Average equity | $3,981,250 | 6,651 |
| Average total loans | $15,684,000 | 6,705 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 4,779 |
| Cost of funding earning assets | 0.2362% | 6,952 |
| Net interest margin | 4.0088% | 2,467 |
| Noninterest income to average assets | 0.6041% | 3,234 |
| Noninterest expense to average assets | 3.5881% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4772% | 4,922 |
| Return on assets (ROA) | 0.4772% | 5,169 |
| Pretax return on assets | 0.6041% | 5,117 |
| Return on Equity (ROE) | 3.9936% | 5,267 |
| Retained earnings to average equity (ytd only) | 3.9936% | 3,956 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5908% | 1,470 |
| Assets per employee ($millions) | 3.0039% | 6,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 5,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8279% | 3,001 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 47.0417% | 5,723 |
| Net loans and leases to deposits | 55.1382% | 5,749 |
| Net loans and leases to core deposits | 55.1382% | 6,012 |
| Total domestic deposits to total assets | 85.3161% | 3,703 |
| Equity capital to assets | 12.1024% | 2,070 |
| Core capital (leverage) ratio | 11.8539% | 1,679 |
| Tier 1 risk-based capital ratio | 20.2065% | 1,661 |
| Total risk-based capital ratio | 21.2236% | 1,677 |
| Memoranda: | ||
| Average total assets | $33,109,670 | 6,807 |
| Average earning assets | $29,635,000 | 6,806 |
| Average equity | $3,956,330 | 6,696 |
| Average total loans | $15,486,000 | 6,770 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0884% | 5,502 |
| Cost of funding earning assets | 0.2286% | 7,059 |
| Net interest margin | 3.8597% | 3,097 |
| Noninterest income to average assets | 0.5431% | 3,612 |
| Noninterest expense to average assets | 3.7172% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2655% | 5,766 |
| Return on assets (ROA) | 0.2655% | 5,928 |
| Pretax return on assets | 0.2897% | 6,003 |
| Return on Equity (ROE) | 2.2363% | 5,992 |
| Retained earnings to average equity (ytd only) | 2.2363% | 5,138 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7711% | 894 |
| Assets per employee ($millions) | 2.8115% | 6,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 5,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7903% | 3,186 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 45.7555% | 5,809 |
| Net loans and leases to deposits | 53.2145% | 5,886 |
| Net loans and leases to core deposits | 54.1478% | 6,045 |
| Total domestic deposits to total assets | 85.9832% | 3,535 |
| Equity capital to assets | 11.6930% | 2,269 |
| Core capital (leverage) ratio | 12.0202% | 1,573 |
| Tier 1 risk-based capital ratio | 19.9402% | 1,724 |
| Total risk-based capital ratio | 20.9585% | 1,753 |
| Memoranda: | ||
| Average total assets | $33,143,000 | 6,861 |
| Average earning assets | $29,743,000 | 6,859 |
| Average equity | $3,935,000 | 6,738 |
| Average total loans | $15,356,500 | 6,831 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5924% | 4,700 |
| Cost of funding earning assets | 0.3809% | 6,941 |
| Net interest margin | 4.2116% | 2,023 |
| Noninterest income to average assets | 0.5376% | 3,600 |
| Noninterest expense to average assets | 3.6850% | 1,563 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3438% | 5,095 |
| Return on assets (ROA) | 0.3438% | 5,249 |
| Pretax return on assets | 0.4469% | 5,135 |
| Return on Equity (ROE) | 2.8409% | 5,347 |
| Retained earnings to average equity (ytd only) | 2.8409% | 4,218 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1831% | 1,254 |
| Assets per employee ($millions) | 2.7123% | 6,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 4,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8557% | 3,180 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 45.6987% | 6,036 |
| Net loans and leases to deposits | 52.2426% | 6,185 |
| Net loans and leases to core deposits | 52.2426% | 6,416 |
| Total domestic deposits to total assets | 87.4739% | 2,485 |
| Equity capital to assets | 12.0591% | 2,078 |
| Core capital (leverage) ratio | 11.9442% | 1,626 |
| Tier 1 risk-based capital ratio | 20.2305% | 1,591 |
| Total risk-based capital ratio | 21.2694% | 1,608 |
| Memoranda: | ||
| Average total assets | $31,995,000 | 6,920 |
| Average earning assets | $27,305,800 | 6,947 |
| Average equity | $3,872,000 | 6,784 |
| Average total loans | $15,132,600 | 6,899 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6850% | 4,529 |
| Cost of funding earning assets | 0.4102% | 6,994 |
| Net interest margin | 4.2748% | 1,807 |
| Noninterest income to average assets | 0.5190% | 3,735 |
| Noninterest expense to average assets | 3.7165% | 1,462 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3474% | 5,215 |
| Return on assets (ROA) | 0.3474% | 5,399 |
| Pretax return on assets | 0.4227% | 5,397 |
| Return on Equity (ROE) | 2.8678% | 5,473 |
| Retained earnings to average equity (ytd only) | 2.8678% | 4,640 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7877% | 1,182 |
| Assets per employee ($millions) | 2.6545% | 6,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 4,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8962% | 3,276 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 46.7131% | 6,081 |
| Net loans and leases to deposits | 53.3888% | 6,260 |
| Net loans and leases to core deposits | 53.3888% | 6,492 |
| Total domestic deposits to total assets | 87.4961% | 2,357 |
| Equity capital to assets | 12.2371% | 2,064 |
| Core capital (leverage) ratio | 12.0288% | 1,691 |
| Tier 1 risk-based capital ratio | 20.1451% | 1,653 |
| Total risk-based capital ratio | 21.1868% | 1,672 |
| Memoranda: | ||
| Average total assets | $31,856,750 | 6,988 |
| Average earning assets | $26,979,250 | 7,028 |
| Average equity | $3,858,750 | 6,845 |
| Average total loans | $15,147,000 | 6,962 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7382% | 4,355 |
| Cost of funding earning assets | 0.4456% | 7,025 |
| Net interest margin | 4.2926% | 1,694 |
| Noninterest income to average assets | 0.5650% | 3,369 |
| Noninterest expense to average assets | 3.6977% | 1,531 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3830% | 5,030 |
| Return on assets (ROA) | 0.3830% | 5,168 |
| Pretax return on assets | 0.4960% | 5,089 |
| Return on Equity (ROE) | 3.1724% | 5,322 |
| Retained earnings to average equity (ytd only) | 3.1724% | 4,253 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1737% | 1,399 |
| Assets per employee ($millions) | 2.7598% | 6,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 4,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8238% | 3,478 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 45.0464% | 6,349 |
| Net loans and leases to deposits | 51.2347% | 6,519 |
| Net loans and leases to core deposits | 51.2347% | 6,707 |
| Total domestic deposits to total assets | 87.9216% | 2,186 |
| Equity capital to assets | 11.7130% | 2,318 |
| Core capital (leverage) ratio | 11.9667% | 1,619 |
| Tier 1 risk-based capital ratio | 19.8562% | 1,641 |
| Total risk-based capital ratio | 20.8888% | 1,656 |
| Memoranda: | ||
| Average total assets | $31,857,670 | 7,050 |
| Average earning assets | $26,930,330 | 7,092 |
| Average equity | $3,845,670 | 6,888 |
| Average total loans | $15,169,000 | 7,029 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 3,952 |
| Cost of funding earning assets | 0.4599% | 7,089 |
| Net interest margin | 4.3618% | 1,392 |
| Noninterest income to average assets | 0.6276% | 2,983 |
| Noninterest expense to average assets | 3.7915% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3715% | 5,069 |
| Return on assets (ROA) | 0.3715% | 5,151 |
| Pretax return on assets | 0.6020% | 4,679 |
| Return on Equity (ROE) | 3.0295% | 5,351 |
| Retained earnings to average equity (ytd only) | 3.0295% | 4,343 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2974% | 1,681 |
| Assets per employee ($millions) | 2.8630% | 6,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 4,889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9179% | 3,416 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 46.5469% | 6,232 |
| Net loans and leases to deposits | 53.1566% | 6,369 |
| Net loans and leases to core deposits | 53.1566% | 6,611 |
| Total domestic deposits to total assets | 87.5655% | 2,629 |
| Equity capital to assets | 12.1995% | 1,793 |
| Core capital (leverage) ratio | 12.1294% | 1,492 |
| Tier 1 risk-based capital ratio | 20.0796% | 1,572 |
| Total risk-based capital ratio | 21.1326% | 1,578 |
| Memoranda: | ||
| Average total assets | $31,228,000 | 7,115 |
| Average earning assets | $26,961,500 | 7,136 |
| Average equity | $3,829,000 | 6,929 |
| Average total loans | $15,194,000 | 7,078 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 5,465 |
| Cost of funding earning assets | 0.6325% | 7,055 |
| Net interest margin | 4.1544% | 2,348 |
| Noninterest income to average assets | 0.5978% | 3,495 |
| Noninterest expense to average assets | 3.9622% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1829% | 5,329 |
| Return on assets (ROA) | 0.1829% | 5,495 |
| Pretax return on assets | 0.2613% | 5,333 |
| Return on Equity (ROE) | 1.4831% | 5,564 |
| Retained earnings to average equity (ytd only) | 1.4831% | 4,786 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8128% | 1,070 |
| Assets per employee ($millions) | 2.5803% | 6,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 5,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9507% | 3,410 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 49.5010% | 6,214 |
| Net loans and leases to deposits | 56.6534% | 6,386 |
| Net loans and leases to core deposits | 56.6534% | 6,657 |
| Total domestic deposits to total assets | 87.3753% | 2,624 |
| Equity capital to assets | 12.3244% | 1,730 |
| Core capital (leverage) ratio | 12.1104% | 1,476 |
| Tier 1 risk-based capital ratio | 19.7682% | 1,535 |
| Total risk-based capital ratio | 20.8128% | 1,551 |
| Memoranda: | ||
| Average total assets | $30,614,400 | 7,187 |
| Average earning assets | $26,718,800 | 7,202 |
| Average equity | $3,776,000 | 7,066 |
| Average total loans | $15,581,200 | 7,136 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 5,693 |
| Cost of funding earning assets | 0.6596% | 7,156 |
| Net interest margin | 4.1337% | 2,469 |
| Noninterest income to average assets | 0.5197% | 4,034 |
| Noninterest expense to average assets | 4.0575% | 979 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0350% | 5,914 |
| Return on assets (ROA) | 0.0350% | 6,051 |
| Pretax return on assets | 0.0481% | 6,007 |
| Return on Equity (ROE) | 0.2833% | 6,056 |
| Retained earnings to average equity (ytd only) | 0.2833% | 5,671 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8298% | 785 |
| Assets per employee ($millions) | 2.6031% | 6,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 4,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9336% | 3,568 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 47.5910% | 6,558 |
| Net loans and leases to deposits | 54.3110% | 6,750 |
| Net loans and leases to core deposits | 54.3110% | 6,942 |
| Total domestic deposits to total assets | 87.6269% | 2,195 |
| Equity capital to assets | 12.0850% | 2,100 |
| Core capital (leverage) ratio | 11.8940% | 1,719 |
| Tier 1 risk-based capital ratio | 19.7010% | 1,604 |
| Total risk-based capital ratio | 20.7553% | 1,610 |
| Memoranda: | ||
| Average total assets | $30,527,250 | 7,270 |
| Average earning assets | $26,481,000 | 7,299 |
| Average equity | $3,766,000 | 7,160 |
| Average total loans | $15,594,500 | 7,229 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8609% | 5,570 |
| Cost of funding earning assets | 0.6768% | 7,241 |
| Net interest margin | 4.1840% | 2,203 |
| Noninterest income to average assets | 0.4820% | 4,269 |
| Noninterest expense to average assets | 3.9352% | 1,133 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1188% | 5,809 |
| Return on assets (ROA) | 0.1188% | 5,919 |
| Pretax return on assets | 0.1387% | 5,904 |
| Return on Equity (ROE) | 0.9567% | 5,967 |
| Retained earnings to average equity (ytd only) | 0.9567% | 5,383 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5964% | 938 |
| Assets per employee ($millions) | 2.8160% | 6,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 4,752 |
| Loan loss allowance to noncurrent loans | 40.6061% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 1.8272% | 3,725 |
| Noncurrent loans to loans | 3.2855% | 2,438 |
| Net loans and leases to total assets | 47.9888% | 6,622 |
| Net loans and leases to deposits | 54.8200% | 6,807 |
| Net loans and leases to core deposits | 54.8200% | 7,001 |
| Total domestic deposits to total assets | 87.5387% | 2,238 |
| Equity capital to assets | 12.2030% | 1,976 |
| Core capital (leverage) ratio | 12.2907% | 1,500 |
| Tier 1 risk-based capital ratio | 20.1111% | 1,498 |
| Total risk-based capital ratio | 21.1844% | 1,489 |
| Memoranda: | ||
| Average total assets | $30,290,670 | 7,334 |
| Average earning assets | $26,003,670 | 7,373 |
| Average equity | $3,763,000 | 7,191 |
| Average total loans | $15,770,330 | 7,273 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 5,073 |
| Cost of funding earning assets | 0.7214% | 7,288 |
| Net interest margin | 4.2658% | 1,801 |
| Noninterest income to average assets | 0.4007% | 4,914 |
| Noninterest expense to average assets | 3.9669% | 1,080 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0668% | 6,113 |
| Return on assets (ROA) | 0.0668% | 6,220 |
| Pretax return on assets | 0.0668% | 6,215 |
| Return on Equity (ROE) | 0.5327% | 6,256 |
| Retained earnings to average equity (ytd only) | 0.5327% | 5,612 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3444% | 907 |
| Assets per employee ($millions) | 2.4693% | 7,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 5,115 |
| Loan loss allowance to noncurrent loans | 40.6061% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 1.9101% | 3,619 |
| Noncurrent loans to loans | 3.1181% | 2,572 |
| Net loans and leases to total assets | 52.8955% | 6,160 |
| Net loans and leases to deposits | 60.7449% | 6,388 |
| Net loans and leases to core deposits | 60.7449% | 6,690 |
| Total domestic deposits to total assets | 87.0782% | 2,592 |
| Equity capital to assets | 12.6822% | 1,664 |
| Core capital (leverage) ratio | 12.5678% | 1,383 |
| Tier 1 risk-based capital ratio | 19.6792% | 1,588 |
| Total risk-based capital ratio | 20.7329% | 1,594 |
| Memoranda: | ||
| Average total assets | $29,948,000 | 7,445 |
| Average earning assets | $25,505,000 | 7,475 |
| Average equity | $3,754,500 | 7,267 |
| Average total loans | $16,122,500 | 7,347 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6240% | 3,476 |
| Cost of funding earning assets | 0.9027% | 7,400 |
| Net interest margin | 4.7213% | 806 |
| Noninterest income to average assets | 0.5557% | 3,976 |
| Noninterest expense to average assets | 3.8250% | 1,650 |
| Loan and lease loss provision to assets | 0.1023% | 6,610 |
| Net operating income to assets | 0.5795% | 3,406 |
| Return on assets (ROA) | 0.5795% | 3,483 |
| Pretax return on assets | 0.8898% | 2,956 |
| Return on Equity (ROE) | 4.6181% | 3,836 |
| Retained earnings to average equity (ytd only) | 4.6181% | 2,025 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4055% | 2,967 |
| Assets per employee ($millions) | 2.5220% | 7,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 5,189 |
| Loan loss allowance to noncurrent loans | 38.2129% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 1.9726% | 3,433 |
| Noncurrent loans to loans | 3.2132% | 2,376 |
| Net loans and leases to total assets | 53.4265% | 6,258 |
| Net loans and leases to deposits | 61.3834% | 6,527 |
| Net loans and leases to core deposits | 67.5905% | 6,903 |
| Total domestic deposits to total assets | 87.0374% | 2,484 |
| Equity capital to assets | 12.3943% | 1,797 |
| Core capital (leverage) ratio | 12.7016% | 1,353 |
| Tier 1 risk-based capital ratio | 19.1069% | 1,632 |
| Total risk-based capital ratio | 20.1315% | 1,643 |
| Memoranda: | ||
| Average total assets | $29,333,200 | 7,499 |
| Average earning assets | $26,475,800 | 7,485 |
| Average equity | $3,681,200 | 7,396 |
| Average total loans | $16,241,000 | 7,393 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6523% | 3,561 |
| Cost of funding earning assets | 0.9338% | 7,509 |
| Net interest margin | 4.7186% | 803 |
| Noninterest income to average assets | 0.5681% | 3,939 |
| Noninterest expense to average assets | 3.8761% | 1,467 |
| Loan and lease loss provision to assets | 0.0687% | 6,676 |
| Net operating income to assets | 0.6460% | 3,424 |
| Return on assets (ROA) | 0.6460% | 3,485 |
| Pretax return on assets | 0.9759% | 2,973 |
| Return on Equity (ROE) | 5.1314% | 3,908 |
| Retained earnings to average equity (ytd only) | 5.1314% | 2,410 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7709% | 3,037 |
| Assets per employee ($millions) | 2.9768% | 6,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 5,968 |
| Loan loss allowance to noncurrent loans | 30.1459% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 2.3112% | 2,966 |
| Noncurrent loans to loans | 3.5103% | 2,133 |
| Net loans and leases to total assets | 58.4218% | 5,823 |
| Net loans and leases to deposits | 68.5603% | 6,083 |
| Net loans and leases to core deposits | 75.4294% | 6,645 |
| Total domestic deposits to total assets | 85.2123% | 3,120 |
| Equity capital to assets | 12.5235% | 1,940 |
| Core capital (leverage) ratio | 12.2179% | 1,701 |
| Tier 1 risk-based capital ratio | 18.2725% | 1,915 |
| Total risk-based capital ratio | 19.1864% | 1,956 |
| Memoranda: | ||
| Average total assets | $29,100,500 | 7,570 |
| Average earning assets | $26,843,750 | 7,538 |
| Average equity | $3,663,750 | 7,458 |
| Average total loans | $16,208,750 | 7,460 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7599% | 3,249 |
| Cost of funding earning assets | 0.9965% | 7,556 |
| Net interest margin | 4.7634% | 711 |
| Noninterest income to average assets | 0.5956% | 3,735 |
| Noninterest expense to average assets | 4.0654% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6579% | 3,435 |
| Return on assets (ROA) | 0.6579% | 3,544 |
| Pretax return on assets | 0.9003% | 3,337 |
| Return on Equity (ROE) | 5.2164% | 3,985 |
| Retained earnings to average equity (ytd only) | 5.2164% | 2,389 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8689% | 2,738 |
| Assets per employee ($millions) | 2.6888% | 6,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 5,991 |
| Loan loss allowance to noncurrent loans | 30.2120% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 2.3532% | 2,761 |
| Noncurrent loans to loans | 3.4245% | 2,059 |
| Net loans and leases to total assets | 55.3031% | 6,297 |
| Net loans and leases to deposits | 63.4903% | 6,615 |
| Net loans and leases to core deposits | 68.7009% | 7,090 |
| Total domestic deposits to total assets | 87.1048% | 2,198 |
| Equity capital to assets | 12.4556% | 1,943 |
| Core capital (leverage) ratio | 12.5930% | 1,578 |
| Tier 1 risk-based capital ratio | 18.8833% | 1,800 |
| Total risk-based capital ratio | 19.7625% | 1,827 |
| Memoranda: | ||
| Average total assets | $28,878,000 | 7,647 |
| Average earning assets | $26,493,670 | 7,618 |
| Average equity | $3,642,330 | 7,528 |
| Average total loans | $15,752,670 | 7,550 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7396% | 3,589 |
| Cost of funding earning assets | 1.0752% | 7,551 |
| Net interest margin | 4.6644% | 835 |
| Noninterest income to average assets | 0.5188% | 4,146 |
| Noninterest expense to average assets | 3.9399% | 1,255 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6730% | 3,696 |
| Return on assets (ROA) | 0.6730% | 3,880 |
| Pretax return on assets | 0.8973% | 3,725 |
| Return on Equity (ROE) | 5.3017% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.3017% | 2,959 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4493% | 2,616 |
| Assets per employee ($millions) | 2.5574% | 7,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 5,292 |
| Loan loss allowance to noncurrent loans | 22.9839% | 7,019 |
| Noncurrent assets plus other real estate owned to assets | 2.6448% | 2,170 |
| Noncurrent loans to loans | 4.8938% | 1,115 |
| Net loans and leases to total assets | 53.4357% | 6,531 |
| Net loans and leases to deposits | 61.5637% | 6,770 |
| Net loans and leases to core deposits | 67.2482% | 7,179 |
| Total domestic deposits to total assets | 86.7975% | 2,313 |
| Equity capital to assets | 12.9466% | 1,773 |
| Core capital (leverage) ratio | 12.4579% | 1,704 |
| Tier 1 risk-based capital ratio | 20.2581% | 1,571 |
| Total risk-based capital ratio | 21.2135% | 1,587 |
| Memoranda: | ||
| Average total assets | $28,528,500 | 7,709 |
| Average earning assets | $26,413,000 | 7,665 |
| Average equity | $3,621,500 | 7,584 |
| Average total loans | $15,365,000 | 7,616 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9123% | 5,976 |
| Cost of funding earning assets | 1.5490% | 7,536 |
| Net interest margin | 4.3633% | 1,785 |
| Noninterest income to average assets | 0.5134% | 4,521 |
| Noninterest expense to average assets | 3.9013% | 1,558 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4425% | 4,983 |
| Return on assets (ROA) | 0.4425% | 4,807 |
| Pretax return on assets | 0.6654% | 4,502 |
| Return on Equity (ROE) | 3.7102% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.7102% | 2,832 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4290% | 1,909 |
| Assets per employee ($millions) | 2.8926% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 5,276 |
| Loan loss allowance to noncurrent loans | 29.3310% | 6,742 |
| Noncurrent assets plus other real estate owned to assets | 2.0155% | 2,444 |
| Noncurrent loans to loans | 3.7547% | 1,329 |
| Net loans and leases to total assets | 53.0872% | 6,741 |
| Net loans and leases to deposits | 60.9922% | 7,016 |
| Net loans and leases to core deposits | 66.5886% | 7,344 |
| Total domestic deposits to total assets | 87.0393% | 1,919 |
| Equity capital to assets | 12.4490% | 2,038 |
| Core capital (leverage) ratio | 12.3793% | 1,796 |
| Tier 1 risk-based capital ratio | 19.5862% | 1,686 |
| Total risk-based capital ratio | 20.5222% | 1,712 |
| Memoranda: | ||
| Average total assets | $29,605,600 | 7,666 |
| Average earning assets | $27,502,200 | 7,640 |
| Average equity | $3,530,800 | 7,670 |
| Average total loans | $16,838,200 | 7,528 |