Home > H. F. Gehant Banking Co. > Performance and Condition Ratios
H. F. Gehant Banking Co., Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6610% | 2,432 |
| Cost of funding earning assets | 0.9537% | 1,940 |
| Net interest margin | 3.7072% | 2,795 |
| Noninterest income to average assets | 0.1603% | 4,691 |
| Noninterest expense to average assets | 2.4050% | 3,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1861% | 2,109 |
| Return on assets (ROA) | 1.1861% | 2,209 |
| Pretax return on assets | 1.1999% | 2,845 |
| Return on Equity (ROE) | 7.5502% | 3,342 |
| Retained earnings to average equity (ytd only) | 3.5885% | 3,204 |
| Net charge-offs to loans | 0.0823% | 1,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 19.8857% | 1,967 |
| Efficiency ratio | 66.7145% | 2,657 |
| Assets per employee ($millions) | 4.1926% | 3,643 |
| Cash dividends to net income (ytd only)* | 52.4709% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 948 |
| Loan loss allowance to noncurrent loans | 1,770.0000% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 4,285 |
| Noncurrent loans to loans | 0.0913% | 4,164 |
| Net loans and leases to total assets | 73.4496% | 1,847 |
| Net loans and leases to deposits | 87.6260% | 1,893 |
| Net loans and leases to core deposits | 94.8997% | 1,990 |
| Total domestic deposits to total assets | 83.8217% | 2,901 |
| Equity capital to assets | 15.8921% | 625 |
| Core capital (leverage) ratio | 15.9236% | 531 |
| Tier 1 risk-based capital ratio | 20.1734% | 1,302 |
| Total risk-based capital ratio | 21.4264% | 1,273 |
| Memoranda: | ||
| Average total assets | $58,004,000 | 4,624 |
| Average earning assets | $53,894,400 | 4,616 |
| Average equity | $9,112,400 | 4,361 |
| Average total loans | $42,522,000 | 4,353 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6499% | 2,568 |
| Cost of funding earning assets | 0.9230% | 2,125 |
| Net interest margin | 3.7269% | 2,831 |
| Noninterest income to average assets | 0.1591% | 4,752 |
| Noninterest expense to average assets | 2.2755% | 4,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3372% | 1,688 |
| Return on assets (ROA) | 1.3372% | 1,763 |
| Pretax return on assets | 1.3372% | 2,539 |
| Return on Equity (ROE) | 8.5368% | 3,091 |
| Retained earnings to average equity (ytd only) | 4.6069% | 3,100 |
| Net charge-offs to loans | -0.0316% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9866% | 3,166 |
| Assets per employee ($millions) | 4.8707% | 2,708 |
| Cash dividends to net income (ytd only)* | 46.0346% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 731 |
| Loan loss allowance to noncurrent loans | 1,568.7500% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 4,311 |
| Noncurrent loans to loans | 0.1123% | 4,138 |
| Net loans and leases to total assets | 71.8570% | 2,197 |
| Net loans and leases to deposits | 85.7035% | 2,230 |
| Net loans and leases to core deposits | 92.8073% | 2,289 |
| Total domestic deposits to total assets | 83.8438% | 2,879 |
| Equity capital to assets | 15.9099% | 651 |
| Core capital (leverage) ratio | 15.9148% | 570 |
| Tier 1 risk-based capital ratio | 20.5983% | 1,259 |
| Total risk-based capital ratio | 21.8527% | 1,232 |
| Memoranda: | ||
| Average total assets | $57,831,000 | 4,693 |
| Average earning assets | $53,591,000 | 4,685 |
| Average equity | $9,058,500 | 4,415 |
| Average total loans | $42,197,500 | 4,412 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 2,620 |
| Cost of funding earning assets | 0.8703% | 2,300 |
| Net interest margin | 3.7474% | 2,766 |
| Noninterest income to average assets | 0.1631% | 4,774 |
| Noninterest expense to average assets | 2.1137% | 4,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5167% | 1,103 |
| Return on assets (ROA) | 1.5167% | 1,151 |
| Pretax return on assets | 1.5167% | 1,806 |
| Return on Equity (ROE) | 9.7345% | 2,514 |
| Retained earnings to average equity (ytd only) | 4.5666% | 2,994 |
| Net charge-offs to loans | -0.0381% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2218% | 3,980 |
| Assets per employee ($millions) | 4.7968% | 2,745 |
| Cash dividends to net income (ytd only)* | 53.0892% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7584% | 739 |
| Loan loss allowance to noncurrent loans | 1,390.7407% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 4,294 |
| Noncurrent loans to loans | 0.1264% | 4,108 |
| Net loans and leases to total assets | 72.8948% | 2,079 |
| Net loans and leases to deposits | 87.0356% | 2,124 |
| Net loans and leases to core deposits | 93.3003% | 2,303 |
| Total domestic deposits to total assets | 83.7529% | 2,964 |
| Equity capital to assets | 15.9205% | 628 |
| Core capital (leverage) ratio | 15.9609% | 549 |
| Tier 1 risk-based capital ratio | 20.5920% | 1,234 |
| Total risk-based capital ratio | 21.8472% | 1,205 |
| Memoranda: | ||
| Average total assets | $57,625,330 | 4,730 |
| Average earning assets | $53,317,670 | 4,720 |
| Average equity | $8,978,330 | 4,439 |
| Average total loans | $42,012,670 | 4,443 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 2,714 |
| Cost of funding earning assets | 0.8237% | 2,403 |
| Net interest margin | 3.7217% | 2,812 |
| Noninterest income to average assets | 0.2220% | 4,412 |
| Noninterest expense to average assets | 2.1090% | 4,446 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5609% | 983 |
| Return on assets (ROA) | 1.5609% | 1,011 |
| Pretax return on assets | 1.5609% | 1,572 |
| Return on Equity (ROE) | 10.1289% | 2,312 |
| Retained earnings to average equity (ytd only) | 7.0227% | 2,032 |
| Net charge-offs to loans | -0.0480% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4669% | 4,149 |
| Assets per employee ($millions) | 4.7973% | 2,793 |
| Cash dividends to net income (ytd only)* | 30.6667% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8293% | 666 |
| Loan loss allowance to noncurrent loans | 302.8340% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 2,867 |
| Noncurrent loans to loans | 0.6041% | 2,526 |
| Net loans and leases to total assets | 69.7280% | 2,525 |
| Net loans and leases to deposits | 82.9103% | 2,512 |
| Net loans and leases to core deposits | 88.3093% | 2,652 |
| Total domestic deposits to total assets | 84.1005% | 3,017 |
| Equity capital to assets | 15.6476% | 628 |
| Core capital (leverage) ratio | 15.6582% | 578 |
| Tier 1 risk-based capital ratio | 21.2765% | 1,129 |
| Total risk-based capital ratio | 22.5308% | 1,115 |
| Memoranda: | ||
| Average total assets | $57,657,500 | 4,781 |
| Average earning assets | $53,417,000 | 4,772 |
| Average equity | $8,885,500 | 4,481 |
| Average total loans | $41,664,000 | 4,496 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 2,493 |
| Cost of funding earning assets | 0.6394% | 2,466 |
| Net interest margin | 3.8496% | 2,505 |
| Noninterest income to average assets | 0.1448% | 4,988 |
| Noninterest expense to average assets | 2.4290% | 3,801 |
| Loan and lease loss provision to assets | 0.0441% | 3,302 |
| Net operating income to assets | 1.2179% | 2,094 |
| Return on assets (ROA) | 1.2004% | 2,167 |
| Pretax return on assets | 1.2145% | 2,832 |
| Return on Equity (ROE) | 7.9367% | 3,473 |
| Retained earnings to average equity (ytd only) | 4.8087% | 2,884 |
| Net charge-offs to loans | -0.0317% | 4,829 |
| Credit loss provision to net charge-offs | -192.3077% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5550% | 2,939 |
| Assets per employee ($millions) | 4.8123% | 2,719 |
| Cash dividends to net income (ytd only)* | 39.4118% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 751 |
| Loan loss allowance to noncurrent loans | 391.0526% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 3,238 |
| Noncurrent loans to loans | 0.4477% | 2,934 |
| Net loans and leases to total assets | 72.2046% | 2,223 |
| Net loans and leases to deposits | 85.3255% | 2,370 |
| Net loans and leases to core deposits | 90.6474% | 2,518 |
| Total domestic deposits to total assets | 84.6226% | 2,788 |
| Equity capital to assets | 15.1748% | 674 |
| Core capital (leverage) ratio | 15.4374% | 608 |
| Tier 1 risk-based capital ratio | 20.0979% | 1,291 |
| Total risk-based capital ratio | 21.3535% | 1,265 |
| Memoranda: | ||
| Average total assets | $56,648,800 | 4,821 |
| Average earning assets | $52,394,800 | 4,809 |
| Average equity | $8,567,800 | 4,517 |
| Average total loans | $41,036,400 | 4,520 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 2,507 |
| Cost of funding earning assets | 0.6159% | 2,366 |
| Net interest margin | 3.8234% | 2,554 |
| Noninterest income to average assets | 0.1206% | 5,132 |
| Noninterest expense to average assets | 2.3060% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3528% | 1,652 |
| Return on assets (ROA) | 1.3292% | 1,755 |
| Pretax return on assets | 1.3292% | 2,509 |
| Return on Equity (ROE) | 8.7958% | 3,193 |
| Retained earnings to average equity (ytd only) | 5.1804% | 3,125 |
| Net charge-offs to loans | -0.0295% | 4,745 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0252% | 3,331 |
| Assets per employee ($millions) | 4.6808% | 2,869 |
| Cash dividends to net income (ytd only)* | 41.1031% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 876 |
| Loan loss allowance to noncurrent loans | 1,190.0000% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 4,434 |
| Noncurrent loans to loans | 0.1426% | 4,244 |
| Net loans and leases to total assets | 73.6336% | 2,053 |
| Net loans and leases to deposits | 87.3255% | 2,230 |
| Net loans and leases to core deposits | 92.3854% | 2,439 |
| Total domestic deposits to total assets | 84.3208% | 2,846 |
| Equity capital to assets | 15.3570% | 649 |
| Core capital (leverage) ratio | 15.6373% | 575 |
| Tier 1 risk-based capital ratio | 20.2905% | 1,282 |
| Total risk-based capital ratio | 21.5442% | 1,258 |
| Memoranda: | ||
| Average total assets | $56,374,250 | 4,880 |
| Average earning assets | $52,168,250 | 4,871 |
| Average equity | $8,519,000 | 4,570 |
| Average total loans | $40,685,750 | 4,574 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3325% | 2,654 |
| Cost of funding earning assets | 0.5626% | 2,495 |
| Net interest margin | 3.7699% | 2,671 |
| Noninterest income to average assets | 0.1595% | 5,030 |
| Noninterest expense to average assets | 2.2359% | 4,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4138% | 1,384 |
| Return on assets (ROA) | 1.3784% | 1,511 |
| Pretax return on assets | 1.3784% | 2,227 |
| Return on Equity (ROE) | 9.1709% | 2,943 |
| Retained earnings to average equity (ytd only) | 4.4794% | 3,356 |
| Net charge-offs to loans | -0.0249% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2621% | 3,729 |
| Assets per employee ($millions) | 4.7226% | 2,790 |
| Cash dividends to net income (ytd only)* | 51.1568% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 804 |
| Loan loss allowance to noncurrent loans | 1,290.9091% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 4,522 |
| Noncurrent loans to loans | 0.1367% | 4,293 |
| Net loans and leases to total assets | 69.7341% | 2,619 |
| Net loans and leases to deposits | 82.3227% | 2,737 |
| Net loans and leases to core deposits | 87.0252% | 2,818 |
| Total domestic deposits to total assets | 84.7082% | 2,793 |
| Equity capital to assets | 15.0553% | 675 |
| Core capital (leverage) ratio | 15.2405% | 626 |
| Tier 1 risk-based capital ratio | 21.3786% | 1,113 |
| Total risk-based capital ratio | 22.6346% | 1,093 |
| Memoranda: | ||
| Average total assets | $56,442,330 | 4,932 |
| Average earning assets | $52,256,330 | 4,924 |
| Average equity | $8,483,330 | 4,618 |
| Average total loans | $40,223,000 | 4,635 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 2,342 |
| Cost of funding earning assets | 0.5374% | 2,495 |
| Net interest margin | 3.8153% | 2,359 |
| Noninterest income to average assets | 0.1704% | 4,998 |
| Noninterest expense to average assets | 2.1233% | 4,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5765% | 907 |
| Return on assets (ROA) | 1.5765% | 913 |
| Pretax return on assets | 1.5765% | 1,465 |
| Return on Equity (ROE) | 10.4977% | 2,174 |
| Retained earnings to average equity (ytd only) | 7.3295% | 2,133 |
| Net charge-offs to loans | -0.0199% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3896% | 4,423 |
| Assets per employee ($millions) | 4.6956% | 2,860 |
| Cash dividends to net income (ytd only)* | 30.1802% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7901% | 803 |
| Loan loss allowance to noncurrent loans | 1,285.4545% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 4,598 |
| Noncurrent loans to loans | 0.1393% | 4,343 |
| Net loans and leases to total assets | 68.8360% | 2,655 |
| Net loans and leases to deposits | 81.2106% | 2,667 |
| Net loans and leases to core deposits | 85.8689% | 2,815 |
| Total domestic deposits to total assets | 84.7623% | 3,015 |
| Equity capital to assets | 15.0496% | 657 |
| Core capital (leverage) ratio | 15.4572% | 560 |
| Tier 1 risk-based capital ratio | 21.1073% | 1,191 |
| Total risk-based capital ratio | 22.3622% | 1,161 |
| Memoranda: | ||
| Average total assets | $56,328,000 | 4,994 |
| Average earning assets | $52,106,000 | 4,989 |
| Average equity | $8,459,000 | 4,672 |
| Average total loans | $40,220,000 | 4,684 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3104% | 2,288 |
| Cost of funding earning assets | 0.4734% | 2,572 |
| Net interest margin | 3.8370% | 2,296 |
| Noninterest income to average assets | 0.1904% | 5,004 |
| Noninterest expense to average assets | 2.4311% | 3,984 |
| Loan and lease loss provision to assets | 0.0427% | 3,395 |
| Net operating income to assets | 1.2514% | 1,358 |
| Return on assets (ROA) | 1.2743% | 1,311 |
| Pretax return on assets | 1.2885% | 2,396 |
| Return on Equity (ROE) | 8.7073% | 2,447 |
| Retained earnings to average equity (ytd only) | 5.1198% | 2,051 |
| Net charge-offs to loans | -0.0656% | 5,255 |
| Credit loss provision to net charge-offs | -92.3077% | 4,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0167% | 3,443 |
| Assets per employee ($millions) | 4.6924% | 2,877 |
| Cash dividends to net income (ytd only)* | 41.2011% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7218% | 901 |
| Loan loss allowance to noncurrent loans | 1,036.7647% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 4,527 |
| Noncurrent loans to loans | 0.1661% | 4,262 |
| Net loans and leases to total assets | 71.4646% | 2,301 |
| Net loans and leases to deposits | 84.2232% | 2,467 |
| Net loans and leases to core deposits | 89.0524% | 2,650 |
| Total domestic deposits to total assets | 84.8514% | 2,893 |
| Equity capital to assets | 14.9852% | 680 |
| Core capital (leverage) ratio | 15.1935% | 592 |
| Tier 1 risk-based capital ratio | 20.2937% | 1,265 |
| Total risk-based capital ratio | 21.5487% | 1,231 |
| Memoranda: | ||
| Average total assets | $56,188,400 | 5,043 |
| Average earning assets | $51,967,200 | 5,032 |
| Average equity | $8,223,000 | 4,752 |
| Average total loans | $39,604,800 | 4,740 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 2,438 |
| Cost of funding earning assets | 0.4508% | 2,709 |
| Net interest margin | 3.7982% | 2,408 |
| Noninterest income to average assets | 0.2042% | 4,988 |
| Noninterest expense to average assets | 2.2840% | 4,345 |
| Loan and lease loss provision to assets | 0.0570% | 2,949 |
| Net operating income to assets | 1.3841% | 1,125 |
| Return on assets (ROA) | 1.4364% | 1,033 |
| Pretax return on assets | 1.4364% | 1,988 |
| Return on Equity (ROE) | 9.8742% | 2,185 |
| Retained earnings to average equity (ytd only) | 6.1530% | 2,143 |
| Net charge-offs to loans | -0.0509% | 5,168 |
| Credit loss provision to net charge-offs | -160.0000% | 4,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3129% | 3,997 |
| Assets per employee ($millions) | 4.5656% | 3,021 |
| Cash dividends to net income (ytd only)* | 37.6855% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 950 |
| Loan loss allowance to noncurrent loans | 312.6126% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4052% | 3,410 |
| Noncurrent loans to loans | 0.5585% | 3,023 |
| Net loans and leases to total assets | 71.2797% | 2,366 |
| Net loans and leases to deposits | 84.5702% | 2,486 |
| Net loans and leases to core deposits | 89.5750% | 2,648 |
| Total domestic deposits to total assets | 84.2846% | 3,004 |
| Equity capital to assets | 15.4635% | 640 |
| Core capital (leverage) ratio | 15.2122% | 620 |
| Tier 1 risk-based capital ratio | 20.7778% | 1,238 |
| Total risk-based capital ratio | 22.0331% | 1,204 |
| Memoranda: | ||
| Average total assets | $56,158,250 | 5,099 |
| Average earning assets | $52,058,750 | 5,087 |
| Average equity | $8,169,250 | 4,809 |
| Average total loans | $39,269,500 | 4,799 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 2,562 |
| Cost of funding earning assets | 0.4309% | 2,796 |
| Net interest margin | 3.7443% | 2,494 |
| Noninterest income to average assets | 0.2120% | 4,985 |
| Noninterest expense to average assets | 2.2361% | 4,484 |
| Loan and lease loss provision to assets | 0.0848% | 2,292 |
| Net operating income to assets | 1.3601% | 1,151 |
| Return on assets (ROA) | 1.4378% | 1,014 |
| Pretax return on assets | 1.4378% | 1,865 |
| Return on Equity (ROE) | 10.0888% | 2,000 |
| Retained earnings to average equity (ytd only) | 5.6022% | 2,352 |
| Net charge-offs to loans | -0.0256% | 4,880 |
| Credit loss provision to net charge-offs | -480.0000% | 4,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7486% | 4,205 |
| Assets per employee ($millions) | 4.7255% | 2,755 |
| Cash dividends to net income (ytd only)* | 44.4717% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7382% | 1,000 |
| Loan loss allowance to noncurrent loans | 210.4615% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5731% | 2,845 |
| Noncurrent loans to loans | 0.8259% | 2,334 |
| Net loans and leases to total assets | 68.1903% | 2,785 |
| Net loans and leases to deposits | 80.0978% | 2,899 |
| Net loans and leases to core deposits | 84.6164% | 3,001 |
| Total domestic deposits to total assets | 85.1338% | 2,759 |
| Equity capital to assets | 14.6827% | 772 |
| Core capital (leverage) ratio | 14.7892% | 683 |
| Tier 1 risk-based capital ratio | 20.3109% | 1,300 |
| Total risk-based capital ratio | 21.5653% | 1,279 |
| Memoranda: | ||
| Average total assets | $56,615,330 | 5,123 |
| Average earning assets | $52,453,000 | 5,115 |
| Average equity | $8,068,330 | 4,850 |
| Average total loans | $39,110,670 | 4,845 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1035% | 2,641 |
| Cost of funding earning assets | 0.4271% | 2,747 |
| Net interest margin | 3.6763% | 2,574 |
| Noninterest income to average assets | 0.1556% | 5,341 |
| Noninterest expense to average assets | 2.1920% | 4,665 |
| Loan and lease loss provision to assets | 0.1697% | 1,046 |
| Net operating income to assets | 1.2021% | 1,502 |
| Return on assets (ROA) | 1.2021% | 1,540 |
| Pretax return on assets | 1.2021% | 2,586 |
| Return on Equity (ROE) | 8.5648% | 2,636 |
| Retained earnings to average equity (ytd only) | 5.7938% | 2,441 |
| Net charge-offs to loans | -0.0308% | 4,944 |
| Credit loss provision to net charge-offs | -800.0000% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5079% | 4,228 |
| Assets per employee ($millions) | 4.6963% | 2,854 |
| Cash dividends to net income (ytd only)* | 32.3529% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7707% | 1,014 |
| Loan loss allowance to noncurrent loans | 284.1667% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 3,052 |
| Noncurrent loans to loans | 0.6231% | 2,957 |
| Net loans and leases to total assets | 67.1334% | 2,798 |
| Net loans and leases to deposits | 78.4169% | 2,927 |
| Net loans and leases to core deposits | 81.9339% | 3,103 |
| Total domestic deposits to total assets | 85.6109% | 2,836 |
| Equity capital to assets | 14.2383% | 837 |
| Core capital (leverage) ratio | 14.3904% | 745 |
| Tier 1 risk-based capital ratio | 20.2008% | 1,350 |
| Total risk-based capital ratio | 21.4555% | 1,323 |
| Memoranda: | ||
| Average total assets | $56,570,000 | 5,179 |
| Average earning assets | $52,443,500 | 5,170 |
| Average equity | $7,939,500 | 4,912 |
| Average total loans | $38,990,000 | 4,886 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2809% | 2,209 |
| Cost of funding earning assets | 0.4558% | 2,487 |
| Net interest margin | 3.8251% | 2,227 |
| Noninterest income to average assets | 0.1773% | 5,336 |
| Noninterest expense to average assets | 2.2910% | 4,581 |
| Loan and lease loss provision to assets | 0.1257% | 1,974 |
| Net operating income to assets | 1.1410% | 1,725 |
| Return on assets (ROA) | 1.1240% | 1,887 |
| Pretax return on assets | 1.1378% | 2,940 |
| Return on Equity (ROE) | 8.1415% | 2,865 |
| Retained earnings to average equity (ytd only) | 3.9149% | 3,140 |
| Net charge-offs to loans | 0.0900% | 2,409 |
| Credit loss provision to net charge-offs | 208.5714% | 1,363 |
| Earnings coverage of net charge-offs (x) | 21.2571% | 1,801 |
| Efficiency ratio | 64.1446% | 3,915 |
| Assets per employee ($millions) | 4.7321% | 2,740 |
| Cash dividends to net income (ytd only)* | 51.9142% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6597% | 1,232 |
| Loan loss allowance to noncurrent loans | 253.8760% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 3,018 |
| Noncurrent loans to loans | 0.6537% | 2,898 |
| Net loans and leases to total assets | 68.3455% | 2,718 |
| Net loans and leases to deposits | 79.4619% | 2,948 |
| Net loans and leases to core deposits | 82.9788% | 3,128 |
| Total domestic deposits to total assets | 86.0104% | 2,579 |
| Equity capital to assets | 13.8329% | 948 |
| Core capital (leverage) ratio | 14.0037% | 815 |
| Tier 1 risk-based capital ratio | 19.6609% | 1,444 |
| Total risk-based capital ratio | 20.9136% | 1,407 |
| Memoranda: | ||
| Average total assets | $58,096,000 | 5,189 |
| Average earning assets | $51,554,000 | 5,219 |
| Average equity | $8,020,600 | 4,936 |
| Average total loans | $38,899,200 | 4,916 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5337% | 1,441 |
| Cost of funding earning assets | 0.4895% | 2,178 |
| Net interest margin | 4.0442% | 1,543 |
| Noninterest income to average assets | 0.1597% | 5,473 |
| Noninterest expense to average assets | 2.0197% | 5,162 |
| Loan and lease loss provision to assets | 0.0799% | 2,615 |
| Net operating income to assets | 1.3784% | 1,107 |
| Return on assets (ROA) | 1.3784% | 1,172 |
| Pretax return on assets | 1.3784% | 2,130 |
| Return on Equity (ROE) | 9.9890% | 2,057 |
| Retained earnings to average equity (ytd only) | 4.9118% | 2,889 |
| Net charge-offs to loans | -0.0310% | 5,177 |
| Credit loss provision to net charge-offs | -388.8889% | 5,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0709% | 4,803 |
| Assets per employee ($millions) | 4.8701% | 2,541 |
| Cash dividends to net income (ytd only)* | 50.8276% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 1,220 |
| Loan loss allowance to noncurrent loans | 159.6618% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 2,789 |
| Noncurrent loans to loans | 1.0660% | 2,115 |
| Net loans and leases to total assets | 65.3223% | 3,234 |
| Net loans and leases to deposits | 76.1171% | 3,390 |
| Net loans and leases to core deposits | 79.3808% | 3,513 |
| Total domestic deposits to total assets | 85.8182% | 2,444 |
| Equity capital to assets | 14.0347% | 1,018 |
| Core capital (leverage) ratio | 13.7921% | 914 |
| Tier 1 risk-based capital ratio | 19.9736% | 1,453 |
| Total risk-based capital ratio | 21.2290% | 1,414 |
| Memoranda: | ||
| Average total assets | $58,423,750 | 5,223 |
| Average earning assets | $47,936,000 | 5,343 |
| Average equity | $8,062,000 | 4,973 |
| Average total loans | $38,757,750 | 4,963 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5738% | 1,322 |
| Cost of funding earning assets | 0.4894% | 2,194 |
| Net interest margin | 4.0844% | 1,405 |
| Noninterest income to average assets | 0.1849% | 5,388 |
| Noninterest expense to average assets | 1.8898% | 5,469 |
| Loan and lease loss provision to assets | 0.1198% | 1,900 |
| Net operating income to assets | 1.4893% | 914 |
| Return on assets (ROA) | 1.4893% | 957 |
| Pretax return on assets | 1.4893% | 1,706 |
| Return on Equity (ROE) | 10.8542% | 1,701 |
| Retained earnings to average equity (ytd only) | 6.2380% | 1,995 |
| Net charge-offs to loans | -0.0258% | 5,059 |
| Credit loss provision to net charge-offs | -700.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0117% | 5,310 |
| Assets per employee ($millions) | 4.9515% | 2,354 |
| Cash dividends to net income (ytd only)* | 42.5287% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7606% | 1,155 |
| Loan loss allowance to noncurrent loans | 184.5506% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 3,225 |
| Noncurrent loans to loans | 0.9540% | 2,375 |
| Net loans and leases to total assets | 61.6985% | 3,657 |
| Net loans and leases to deposits | 71.6659% | 3,816 |
| Net loans and leases to core deposits | 74.6731% | 3,933 |
| Total domestic deposits to total assets | 86.0918% | 2,373 |
| Equity capital to assets | 13.8073% | 1,092 |
| Core capital (leverage) ratio | 13.7814% | 880 |
| Tier 1 risk-based capital ratio | 20.3830% | 1,366 |
| Total risk-based capital ratio | 21.6384% | 1,348 |
| Memoranda: | ||
| Average total assets | $58,418,000 | 5,281 |
| Average earning assets | $47,400,330 | 5,407 |
| Average equity | $8,015,330 | 5,020 |
| Average total loans | $38,731,670 | 5,016 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5109% | 1,476 |
| Cost of funding earning assets | 0.4845% | 2,236 |
| Net interest margin | 4.0264% | 1,539 |
| Noninterest income to average assets | 0.1658% | 5,495 |
| Noninterest expense to average assets | 2.0719% | 5,169 |
| Loan and lease loss provision to assets | 0.1381% | 1,516 |
| Net operating income to assets | 1.2846% | 1,292 |
| Return on assets (ROA) | 1.2846% | 1,378 |
| Pretax return on assets | 1.2846% | 2,367 |
| Return on Equity (ROE) | 9.3928% | 2,245 |
| Retained earnings to average equity (ytd only) | 4.5449% | 3,211 |
| Net charge-offs to loans | -0.0304% | 5,072 |
| Credit loss provision to net charge-offs | -666.6667% | 4,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2885% | 4,839 |
| Assets per employee ($millions) | 4.8022% | 2,584 |
| Cash dividends to net income (ytd only)* | 51.6129% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 1,432 |
| Loan loss allowance to noncurrent loans | 248.0620% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 3,798 |
| Noncurrent loans to loans | 0.6724% | 3,158 |
| Net loans and leases to total assets | 65.4704% | 3,033 |
| Net loans and leases to deposits | 76.1290% | 3,206 |
| Net loans and leases to core deposits | 79.4207% | 3,374 |
| Total domestic deposits to total assets | 85.9994% | 2,669 |
| Equity capital to assets | 13.8514% | 1,035 |
| Core capital (leverage) ratio | 13.6311% | 938 |
| Tier 1 risk-based capital ratio | 20.7578% | 1,352 |
| Total risk-based capital ratio | 22.0147% | 1,324 |
| Memoranda: | ||
| Average total assets | $57,918,000 | 5,340 |
| Average earning assets | $47,883,500 | 5,449 |
| Average equity | $7,921,000 | 5,065 |
| Average total loans | $39,439,000 | 5,027 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 2,226 |
| Cost of funding earning assets | 0.4635% | 2,503 |
| Net interest margin | 3.8389% | 2,238 |
| Noninterest income to average assets | 0.1901% | 5,454 |
| Noninterest expense to average assets | 2.3484% | 4,654 |
| Loan and lease loss provision to assets | 0.1062% | 2,214 |
| Net operating income to assets | 1.1410% | 1,766 |
| Return on assets (ROA) | 1.1596% | 1,775 |
| Pretax return on assets | 1.1733% | 2,759 |
| Return on Equity (ROE) | 8.8467% | 2,527 |
| Retained earnings to average equity (ytd only) | 4.4821% | 2,797 |
| Net charge-offs to loans | 0.0342% | 3,521 |
| Credit loss provision to net charge-offs | 442.8571% | 695 |
| Earnings coverage of net charge-offs (x) | 52.5714% | 967 |
| Efficiency ratio | 65.0688% | 4,065 |
| Assets per employee ($millions) | 4.8508% | 2,529 |
| Cash dividends to net income (ytd only)* | 49.3353% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 1,887 |
| Loan loss allowance to noncurrent loans | 201.6340% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 3,531 |
| Noncurrent loans to loans | 0.7554% | 2,918 |
| Net loans and leases to total assets | 68.5329% | 2,621 |
| Net loans and leases to deposits | 79.3496% | 2,902 |
| Net loans and leases to core deposits | 83.0966% | 3,039 |
| Total domestic deposits to total assets | 86.3683% | 2,451 |
| Equity capital to assets | 13.5028% | 1,125 |
| Core capital (leverage) ratio | 12.8204% | 1,222 |
| Tier 1 risk-based capital ratio | 19.0544% | 1,696 |
| Total risk-based capital ratio | 20.3055% | 1,649 |
| Memoranda: | ||
| Average total assets | $58,380,000 | 5,357 |
| Average earning assets | $51,994,600 | 5,388 |
| Average equity | $7,652,600 | 5,122 |
| Average total loans | $40,910,000 | 4,970 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 2,337 |
| Cost of funding earning assets | 0.4600% | 2,584 |
| Net interest margin | 3.8090% | 2,350 |
| Noninterest income to average assets | 0.1826% | 5,565 |
| Noninterest expense to average assets | 2.1703% | 5,126 |
| Loan and lease loss provision to assets | 0.1415% | 1,570 |
| Net operating income to assets | 1.3100% | 1,313 |
| Return on assets (ROA) | 1.3351% | 1,306 |
| Pretax return on assets | 1.3351% | 2,264 |
| Return on Equity (ROE) | 10.2619% | 1,989 |
| Retained earnings to average equity (ytd only) | 5.0520% | 2,876 |
| Net charge-offs to loans | -0.0455% | 5,514 |
| Credit loss provision to net charge-offs | -442.8571% | 5,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9244% | 4,902 |
| Assets per employee ($millions) | 4.8146% | 2,543 |
| Cash dividends to net income (ytd only)* | 50.7693% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6216% | 1,712 |
| Loan loss allowance to noncurrent loans | 137.8205% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 2,858 |
| Noncurrent loans to loans | 1.1766% | 2,177 |
| Net loans and leases to total assets | 67.7283% | 2,724 |
| Net loans and leases to deposits | 78.4058% | 3,060 |
| Net loans and leases to core deposits | 81.7542% | 3,276 |
| Total domestic deposits to total assets | 86.3817% | 2,338 |
| Equity capital to assets | 13.4106% | 1,272 |
| Core capital (leverage) ratio | 12.5740% | 1,370 |
| Tier 1 risk-based capital ratio | 19.1235% | 1,742 |
| Total risk-based capital ratio | 20.3781% | 1,706 |
| Memoranda: | ||
| Average total assets | $58,422,500 | 5,423 |
| Average earning assets | $52,750,750 | 5,433 |
| Average equity | $7,600,750 | 5,194 |
| Average total loans | $41,010,000 | 5,023 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1597% | 2,683 |
| Cost of funding earning assets | 0.4446% | 2,787 |
| Net interest margin | 3.7150% | 2,647 |
| Noninterest income to average assets | 0.1842% | 5,591 |
| Noninterest expense to average assets | 2.0157% | 5,501 |
| Loan and lease loss provision to assets | 0.2115% | 917 |
| Net operating income to assets | 1.4052% | 1,082 |
| Return on assets (ROA) | 1.4120% | 1,099 |
| Pretax return on assets | 1.4120% | 1,926 |
| Return on Equity (ROE) | 10.9645% | 1,694 |
| Retained earnings to average equity (ytd only) | 4.3434% | 3,253 |
| Net charge-offs to loans | -0.0579% | 5,597 |
| Credit loss provision to net charge-offs | -516.6667% | 5,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4930% | 5,476 |
| Assets per employee ($millions) | 4.9105% | 2,386 |
| Cash dividends to net income (ytd only)* | 60.3865% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 1,961 |
| Loan loss allowance to noncurrent loans | 136.5180% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.9741% | 2,582 |
| Noncurrent loans to loans | 1.1588% | 2,331 |
| Net loans and leases to total assets | 67.8851% | 2,660 |
| Net loans and leases to deposits | 78.2297% | 2,999 |
| Net loans and leases to core deposits | 81.0003% | 3,282 |
| Total domestic deposits to total assets | 86.7766% | 2,281 |
| Equity capital to assets | 12.8992% | 1,451 |
| Core capital (leverage) ratio | 12.7902% | 1,259 |
| Tier 1 risk-based capital ratio | 19.0051% | 1,791 |
| Total risk-based capital ratio | 20.2601% | 1,759 |
| Memoranda: | ||
| Average total assets | $58,638,330 | 5,473 |
| Average earning assets | $54,427,330 | 5,453 |
| Average equity | $7,551,670 | 5,250 |
| Average total loans | $41,421,670 | 5,054 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1434% | 2,654 |
| Cost of funding earning assets | 0.4400% | 2,878 |
| Net interest margin | 3.7034% | 2,606 |
| Noninterest income to average assets | 0.1983% | 5,529 |
| Noninterest expense to average assets | 2.0788% | 5,431 |
| Loan and lease loss provision to assets | 0.1710% | 1,156 |
| Net operating income to assets | 1.4018% | 1,030 |
| Return on assets (ROA) | 1.4155% | 1,061 |
| Pretax return on assets | 1.4155% | 1,834 |
| Return on Equity (ROE) | 11.0172% | 1,629 |
| Retained earnings to average equity (ytd only) | 4.0450% | 3,579 |
| Net charge-offs to loans | -0.0383% | 5,383 |
| Credit loss provision to net charge-offs | -625.0000% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9288% | 5,443 |
| Assets per employee ($millions) | 4.8715% | 2,527 |
| Cash dividends to net income (ytd only)* | 63.2850% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 2,622 |
| Loan loss allowance to noncurrent loans | 99.3355% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.2128% | 2,209 |
| Noncurrent loans to loans | 1.4695% | 1,929 |
| Net loans and leases to total assets | 69.0564% | 2,277 |
| Net loans and leases to deposits | 79.4884% | 2,619 |
| Net loans and leases to core deposits | 81.0899% | 3,049 |
| Total domestic deposits to total assets | 86.8760% | 2,437 |
| Equity capital to assets | 12.9614% | 1,423 |
| Core capital (leverage) ratio | 12.5677% | 1,334 |
| Tier 1 risk-based capital ratio | 17.0027% | 2,479 |
| Total risk-based capital ratio | 17.0027% | 2,975 |
| Memoranda: | ||
| Average total assets | $58,494,500 | 5,530 |
| Average earning assets | $54,544,000 | 5,502 |
| Average equity | $7,515,500 | 5,300 |
| Average total loans | $41,810,000 | 5,075 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0487% | 3,528 |
| Cost of funding earning assets | 0.4743% | 2,939 |
| Net interest margin | 3.5744% | 3,497 |
| Noninterest income to average assets | 0.1825% | 5,765 |
| Noninterest expense to average assets | 1.9133% | 5,912 |
| Loan and lease loss provision to assets | 0.1328% | 1,967 |
| Net operating income to assets | 1.4621% | 953 |
| Return on assets (ROA) | 1.4719% | 967 |
| Pretax return on assets | 1.4852% | 1,600 |
| Return on Equity (ROE) | 12.4519% | 1,278 |
| Retained earnings to average equity (ytd only) | 7.7912% | 1,096 |
| Net charge-offs to loans | 0.0974% | 3,113 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 24.2250% | 1,550 |
| Efficiency ratio | 54.3355% | 5,816 |
| Assets per employee ($millions) | 4.8776% | 2,491 |
| Cash dividends to net income (ytd only)* | 37.4295% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 3,256 |
| Loan loss allowance to noncurrent loans | 91.7742% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.2164% | 2,346 |
| Noncurrent loans to loans | 1.4536% | 2,021 |
| Net loans and leases to total assets | 71.9004% | 1,927 |
| Net loans and leases to deposits | 82.4999% | 2,407 |
| Net loans and leases to core deposits | 85.4289% | 2,741 |
| Total domestic deposits to total assets | 87.1521% | 2,188 |
| Equity capital to assets | 12.7351% | 1,514 |
| Core capital (leverage) ratio | 12.1436% | 1,538 |
| Tier 1 risk-based capital ratio | 17.8382% | 2,188 |
| Total risk-based capital ratio | 19.0902% | 2,156 |
| Memoranda: | ||
| Average total assets | $60,261,400 | 5,541 |
| Average earning assets | $56,289,400 | 5,511 |
| Average equity | $7,123,400 | 5,388 |
| Average total loans | $41,085,800 | 5,145 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9627% | 3,915 |
| Cost of funding earning assets | 0.4789% | 2,969 |
| Net interest margin | 3.4838% | 3,891 |
| Noninterest income to average assets | 0.1735% | 5,881 |
| Noninterest expense to average assets | 1.8277% | 6,055 |
| Loan and lease loss provision to assets | 0.0725% | 2,892 |
| Net operating income to assets | 1.5333% | 877 |
| Return on assets (ROA) | 1.5289% | 918 |
| Pretax return on assets | 1.5289% | 1,546 |
| Return on Equity (ROE) | 13.1801% | 1,177 |
| Retained earnings to average equity (ytd only) | 7.6505% | 1,510 |
| Net charge-offs to loans | 0.0459% | 3,574 |
| Credit loss provision to net charge-offs | 235.7143% | 1,109 |
| Earnings coverage of net charge-offs (x) | 52.2035% | 950 |
| Efficiency ratio | 53.2310% | 5,899 |
| Assets per employee ($millions) | 4.9612% | 2,288 |
| Cash dividends to net income (ytd only)* | 41.9535% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 3,507 |
| Loan loss allowance to noncurrent loans | 75.0685% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.2329% | 2,493 |
| Noncurrent loans to loans | 1.7692% | 1,837 |
| Net loans and leases to total assets | 68.3861% | 2,469 |
| Net loans and leases to deposits | 78.1935% | 2,930 |
| Net loans and leases to core deposits | 80.9098% | 3,207 |
| Total domestic deposits to total assets | 87.4576% | 2,053 |
| Equity capital to assets | 12.2552% | 1,863 |
| Core capital (leverage) ratio | 11.7961% | 1,836 |
| Tier 1 risk-based capital ratio | 18.3972% | 2,088 |
| Total risk-based capital ratio | 19.6493% | 2,051 |
| Memoranda: | ||
| Average total assets | $60,694,000 | 5,594 |
| Average earning assets | $56,795,000 | 5,547 |
| Average equity | $7,040,750 | 5,452 |
| Average total loans | $40,694,000 | 5,204 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 4,214 |
| Cost of funding earning assets | 0.4796% | 3,028 |
| Net interest margin | 3.4027% | 4,158 |
| Noninterest income to average assets | 0.1735% | 5,911 |
| Noninterest expense to average assets | 1.7354% | 6,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6208% | 674 |
| Return on assets (ROA) | 1.6208% | 701 |
| Pretax return on assets | 1.6208% | 1,200 |
| Return on Equity (ROE) | 14.2330% | 912 |
| Retained earnings to average equity (ytd only) | 7.2746% | 1,631 |
| Net charge-offs to loans | 0.0938% | 2,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 26.0526% | 1,387 |
| Efficiency ratio | 51.7073% | 6,084 |
| Assets per employee ($millions) | 5.1655% | 2,011 |
| Cash dividends to net income (ytd only)* | 48.8889% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 4,054 |
| Loan loss allowance to noncurrent loans | 68.5484% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.2003% | 2,690 |
| Noncurrent loans to loans | 1.8452% | 1,861 |
| Net loans and leases to total assets | 64.2258% | 3,040 |
| Net loans and leases to deposits | 72.7142% | 3,480 |
| Net loans and leases to core deposits | 75.1137% | 3,723 |
| Total domestic deposits to total assets | 88.3264% | 1,724 |
| Equity capital to assets | 11.4187% | 2,497 |
| Core capital (leverage) ratio | 11.5164% | 1,987 |
| Tier 1 risk-based capital ratio | 17.7118% | 2,347 |
| Total risk-based capital ratio | 18.9630% | 2,315 |
| Memoranda: | ||
| Average total assets | $61,080,670 | 5,633 |
| Average earning assets | $57,131,000 | 5,581 |
| Average equity | $6,955,670 | 5,501 |
| Average total loans | $40,505,000 | 5,253 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 4,331 |
| Cost of funding earning assets | 0.4868% | 3,044 |
| Net interest margin | 3.3514% | 4,331 |
| Noninterest income to average assets | 0.2177% | 5,613 |
| Noninterest expense to average assets | 1.6428% | 6,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7088% | 566 |
| Return on assets (ROA) | 1.7088% | 583 |
| Pretax return on assets | 1.7088% | 961 |
| Return on Equity (ROE) | 15.0265% | 770 |
| Retained earnings to average equity (ytd only) | 8.0644% | 1,568 |
| Net charge-offs to loans | -0.0394% | 5,705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0157% | 6,313 |
| Assets per employee ($millions) | 5.0900% | 2,137 |
| Cash dividends to net income (ytd only)* | 46.3320% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 3,797 |
| Loan loss allowance to noncurrent loans | 72.0270% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.2115% | 2,841 |
| Noncurrent loans to loans | 1.8868% | 2,016 |
| Net loans and leases to total assets | 63.3382% | 3,007 |
| Net loans and leases to deposits | 71.6691% | 3,383 |
| Net loans and leases to core deposits | 74.0676% | 3,637 |
| Total domestic deposits to total assets | 88.3759% | 2,006 |
| Equity capital to assets | 11.4014% | 2,330 |
| Core capital (leverage) ratio | 11.3431% | 2,099 |
| Tier 1 risk-based capital ratio | 17.9212% | 2,332 |
| Total risk-based capital ratio | 19.1745% | 2,309 |
| Memoranda: | ||
| Average total assets | $60,628,000 | 5,693 |
| Average earning assets | $56,692,000 | 5,644 |
| Average equity | $6,894,500 | 5,544 |
| Average total loans | $40,597,000 | 5,294 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 4,500 |
| Cost of funding earning assets | 0.5371% | 3,222 |
| Net interest margin | 3.3523% | 4,474 |
| Noninterest income to average assets | 0.1536% | 6,169 |
| Noninterest expense to average assets | 2.0341% | 5,961 |
| Loan and lease loss provision to assets | 0.1470% | 2,451 |
| Net operating income to assets | 1.0881% | 1,970 |
| Return on assets (ROA) | 1.0881% | 2,046 |
| Pretax return on assets | 1.1028% | 2,938 |
| Return on Equity (ROE) | 9.9388% | 2,142 |
| Retained earnings to average equity (ytd only) | 4.8948% | 2,675 |
| Net charge-offs to loans | 0.2473% | 2,492 |
| Credit loss provision to net charge-offs | 90.9091% | 2,727 |
| Earnings coverage of net charge-offs (x) | 7.7273% | 2,792 |
| Efficiency ratio | 61.9403% | 5,226 |
| Assets per employee ($millions) | 5.0147% | 2,165 |
| Cash dividends to net income (ytd only)* | 50.7508% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 4,342 |
| Loan loss allowance to noncurrent loans | 70.5333% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.2463% | 2,929 |
| Noncurrent loans to loans | 1.7868% | 2,245 |
| Net loans and leases to total assets | 68.8730% | 2,199 |
| Net loans and leases to deposits | 77.8836% | 2,738 |
| Net loans and leases to core deposits | 80.5305% | 3,063 |
| Total domestic deposits to total assets | 88.4306% | 1,934 |
| Equity capital to assets | 11.3417% | 2,301 |
| Core capital (leverage) ratio | 10.9743% | 2,413 |
| Tier 1 risk-based capital ratio | 16.7095% | 2,756 |
| Total risk-based capital ratio | 17.9606% | 2,707 |
| Memoranda: | ||
| Average total assets | $61,206,000 | 5,726 |
| Average earning assets | $57,155,000 | 5,677 |
| Average equity | $6,701,000 | 5,645 |
| Average total loans | $40,032,000 | 5,344 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 4,788 |
| Cost of funding earning assets | 0.5463% | 3,302 |
| Net interest margin | 3.2707% | 4,748 |
| Noninterest income to average assets | 0.1453% | 6,307 |
| Noninterest expense to average assets | 1.6855% | 6,484 |
| Loan and lease loss provision to assets | 0.1302% | 2,659 |
| Net operating income to assets | 1.3818% | 1,143 |
| Return on assets (ROA) | 1.3818% | 1,189 |
| Pretax return on assets | 1.3818% | 1,991 |
| Return on Equity (ROE) | 12.7333% | 1,305 |
| Retained earnings to average equity (ytd only) | 7.8559% | 1,477 |
| Net charge-offs to loans | -0.0236% | 6,101 |
| Credit loss provision to net charge-offs | -857.1429% | 6,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7137% | 6,205 |
| Assets per employee ($millions) | 5.0834% | 2,071 |
| Cash dividends to net income (ytd only)* | 38.3052% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 3,557 |
| Loan loss allowance to noncurrent loans | 76.4855% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.2967% | 3,061 |
| Noncurrent loans to loans | 1.9301% | 2,327 |
| Net loans and leases to total assets | 66.1924% | 2,607 |
| Net loans and leases to deposits | 74.7782% | 3,118 |
| Net loans and leases to core deposits | 77.2799% | 3,463 |
| Total domestic deposits to total assets | 88.5182% | 1,831 |
| Equity capital to assets | 11.2949% | 2,474 |
| Core capital (leverage) ratio | 11.0395% | 2,439 |
| Tier 1 risk-based capital ratio | 17.6903% | 2,444 |
| Total risk-based capital ratio | 18.9432% | 2,408 |
| Memoranda: | ||
| Average total assets | $61,463,500 | 5,779 |
| Average earning assets | $57,357,000 | 5,733 |
| Average equity | $6,670,000 | 5,727 |
| Average total loans | $39,546,500 | 5,417 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7378% | 5,029 |
| Cost of funding earning assets | 0.5563% | 3,349 |
| Net interest margin | 3.1815% | 5,006 |
| Noninterest income to average assets | 0.1623% | 6,243 |
| Noninterest expense to average assets | 1.6067% | 6,585 |
| Loan and lease loss provision to assets | 0.1298% | 2,696 |
| Net operating income to assets | 1.3957% | 1,088 |
| Return on assets (ROA) | 1.3957% | 1,171 |
| Pretax return on assets | 1.3957% | 1,950 |
| Return on Equity (ROE) | 13.0369% | 1,240 |
| Retained earnings to average equity (ytd only) | 7.8221% | 1,556 |
| Net charge-offs to loans | -0.0307% | 6,108 |
| Credit loss provision to net charge-offs | -666.6667% | 5,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2953% | 6,328 |
| Assets per employee ($millions) | 5.2469% | 1,845 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 3,628 |
| Loan loss allowance to noncurrent loans | 73.9241% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.2547% | 3,250 |
| Noncurrent loans to loans | 2.0175% | 2,380 |
| Net loans and leases to total assets | 61.2630% | 3,433 |
| Net loans and leases to deposits | 68.7662% | 3,897 |
| Net loans and leases to core deposits | 71.6877% | 4,082 |
| Total domestic deposits to total assets | 89.0888% | 1,577 |
| Equity capital to assets | 10.7285% | 3,022 |
| Core capital (leverage) ratio | 10.7904% | 2,574 |
| Tier 1 risk-based capital ratio | 17.4215% | 2,546 |
| Total risk-based capital ratio | 18.6749% | 2,515 |
| Memoranda: | ||
| Average total assets | $61,617,670 | 5,818 |
| Average earning assets | $57,520,330 | 5,762 |
| Average equity | $6,596,670 | 5,781 |
| Average total loans | $39,067,670 | 5,465 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7903% | 4,856 |
| Cost of funding earning assets | 0.5728% | 3,352 |
| Net interest margin | 3.2175% | 4,857 |
| Noninterest income to average assets | 0.1444% | 6,380 |
| Noninterest expense to average assets | 1.9296% | 6,231 |
| Loan and lease loss provision to assets | 0.2625% | 1,352 |
| Net operating income to assets | 0.9386% | 2,478 |
| Return on assets (ROA) | 0.9386% | 2,622 |
| Pretax return on assets | 0.9386% | 3,619 |
| Return on Equity (ROE) | 8.7764% | 2,592 |
| Retained earnings to average equity (ytd only) | 2.5163% | 4,765 |
| Net charge-offs to loans | -0.0205% | 5,724 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6352% | 5,355 |
| Assets per employee ($millions) | 5.2757% | 1,895 |
| Cash dividends to net income (ytd only)* | 71.3287% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 3,806 |
| Loan loss allowance to noncurrent loans | 71.8711% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.2747% | 3,431 |
| Noncurrent loans to loans | 2.0937% | 2,511 |
| Net loans and leases to total assets | 59.9671% | 3,430 |
| Net loans and leases to deposits | 66.9630% | 3,920 |
| Net loans and leases to core deposits | 69.7752% | 4,111 |
| Total domestic deposits to total assets | 89.5527% | 1,329 |
| Equity capital to assets | 10.3273% | 3,761 |
| Core capital (leverage) ratio | 10.4750% | 2,813 |
| Tier 1 risk-based capital ratio | 17.2497% | 2,660 |
| Total risk-based capital ratio | 18.5030% | 2,628 |
| Memoranda: | ||
| Average total assets | $60,945,000 | 5,888 |
| Average earning assets | $56,566,000 | 5,838 |
| Average equity | $6,517,500 | 5,862 |
| Average total loans | $39,023,000 | 5,504 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3214% | 4,122 |
| Cost of funding earning assets | 0.7478% | 3,102 |
| Net interest margin | 3.5736% | 4,213 |
| Noninterest income to average assets | 0.1837% | 6,084 |
| Noninterest expense to average assets | 2.0567% | 6,219 |
| Loan and lease loss provision to assets | 0.1974% | 3,164 |
| Net operating income to assets | 1.2223% | 1,524 |
| Return on assets (ROA) | 1.2223% | 1,695 |
| Pretax return on assets | 1.2361% | 2,653 |
| Return on Equity (ROE) | 11.3916% | 1,686 |
| Retained earnings to average equity (ytd only) | 7.0558% | 1,542 |
| Net charge-offs to loans | 0.0373% | 5,399 |
| Credit loss provision to net charge-offs | 821.4286% | 304 |
| Earnings coverage of net charge-offs (x) | 59.6429% | 601 |
| Efficiency ratio | 58.9277% | 5,705 |
| Assets per employee ($millions) | 4.8818% | 2,378 |
| Cash dividends to net income (ytd only)* | 38.0618% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 4,344 |
| Loan loss allowance to noncurrent loans | 113.2632% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.8108% | 4,443 |
| Noncurrent loans to loans | 1.2025% | 3,848 |
| Net loans and leases to total assets | 66.5119% | 2,451 |
| Net loans and leases to deposits | 74.9279% | 2,975 |
| Net loans and leases to core deposits | 77.2145% | 3,368 |
| Total domestic deposits to total assets | 88.7679% | 1,721 |
| Equity capital to assets | 11.0904% | 2,844 |
| Core capital (leverage) ratio | 11.0838% | 2,178 |
| Tier 1 risk-based capital ratio | 17.5732% | 2,431 |
| Total risk-based capital ratio | 18.8256% | 2,397 |
| Memoranda: | ||
| Average total assets | $58,248,800 | 5,966 |
| Average earning assets | $53,894,600 | 5,933 |
| Average equity | $6,250,200 | 5,950 |
| Average total loans | $37,520,800 | 5,610 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3446% | 4,278 |
| Cost of funding earning assets | 0.7848% | 3,078 |
| Net interest margin | 3.5599% | 4,397 |
| Noninterest income to average assets | 0.1444% | 6,421 |
| Noninterest expense to average assets | 1.8544% | 6,606 |
| Loan and lease loss provision to assets | 0.2178% | 2,883 |
| Net operating income to assets | 1.3685% | 1,292 |
| Return on assets (ROA) | 1.3685% | 1,424 |
| Pretax return on assets | 1.3685% | 2,349 |
| Return on Equity (ROE) | 12.8622% | 1,377 |
| Retained earnings to average equity (ytd only) | 7.3037% | 1,941 |
| Net charge-offs to loans | -0.2989% | 7,049 |
| Credit loss provision to net charge-offs | -114.4578% | 6,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8974% | 6,260 |
| Assets per employee ($millions) | 4.8913% | 2,332 |
| Cash dividends to net income (ytd only)* | 43.2159% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 3,492 |
| Loan loss allowance to noncurrent loans | 132.5431% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8093% | 4,682 |
| Noncurrent loans to loans | 1.2120% | 4,031 |
| Net loans and leases to total assets | 64.1747% | 2,998 |
| Net loans and leases to deposits | 72.1789% | 3,583 |
| Net loans and leases to core deposits | 75.4824% | 3,794 |
| Total domestic deposits to total assets | 88.9107% | 1,482 |
| Equity capital to assets | 10.8951% | 3,384 |
| Core capital (leverage) ratio | 10.9488% | 2,446 |
| Tier 1 risk-based capital ratio | 17.7664% | 2,439 |
| Total risk-based capital ratio | 19.0082% | 2,411 |
| Memoranda: | ||
| Average total assets | $58,165,500 | 6,037 |
| Average earning assets | $53,858,000 | 5,999 |
| Average equity | $6,188,500 | 6,038 |
| Average total loans | $37,025,500 | 5,705 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3512% | 4,375 |
| Cost of funding earning assets | 0.8263% | 2,982 |
| Net interest margin | 3.5249% | 4,569 |
| Noninterest income to average assets | 0.1276% | 6,551 |
| Noninterest expense to average assets | 1.9452% | 6,526 |
| Loan and lease loss provision to assets | 0.2587% | 2,508 |
| Net operating income to assets | 1.1899% | 1,747 |
| Return on assets (ROA) | 1.1899% | 1,945 |
| Pretax return on assets | 1.1899% | 2,970 |
| Return on Equity (ROE) | 11.2751% | 1,892 |
| Retained earnings to average equity (ytd only) | 5.8500% | 2,802 |
| Net charge-offs to loans | -0.2131% | 7,010 |
| Credit loss provision to net charge-offs | -192.3077% | 6,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3171% | 5,952 |
| Assets per employee ($millions) | 4.9597% | 2,225 |
| Cash dividends to net income (ytd only)* | 48.1159% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 4,103 |
| Loan loss allowance to noncurrent loans | 100.7313% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.9376% | 4,495 |
| Noncurrent loans to loans | 1.4708% | 3,704 |
| Net loans and leases to total assets | 61.5633% | 3,518 |
| Net loans and leases to deposits | 68.9318% | 4,050 |
| Net loans and leases to core deposits | 69.9744% | 4,532 |
| Total domestic deposits to total assets | 89.3104% | 1,324 |
| Equity capital to assets | 10.4762% | 3,716 |
| Core capital (leverage) ratio | 10.7578% | 2,535 |
| Tier 1 risk-based capital ratio | 17.4919% | 2,474 |
| Total risk-based capital ratio | 18.7460% | 2,440 |
| Memoranda: | ||
| Average total assets | $57,988,670 | 6,079 |
| Average earning assets | $53,732,670 | 6,039 |
| Average equity | $6,119,670 | 6,083 |
| Average total loans | $36,606,330 | 5,754 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 4,688 |
| Cost of funding earning assets | 0.8971% | 2,717 |
| Net interest margin | 3.4152% | 5,053 |
| Noninterest income to average assets | 0.1258% | 6,622 |
| Noninterest expense to average assets | 1.9152% | 6,616 |
| Loan and lease loss provision to assets | 0.5242% | 1,148 |
| Net operating income to assets | 0.8528% | 3,144 |
| Return on assets (ROA) | 0.8528% | 3,379 |
| Pretax return on assets | 0.8528% | 4,221 |
| Return on Equity (ROE) | 8.0501% | 3,266 |
| Retained earnings to average equity (ytd only) | 0.7918% | 5,740 |
| Net charge-offs to loans | -0.3635% | 7,103 |
| Credit loss provision to net charge-offs | -227.2727% | 5,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1741% | 5,891 |
| Assets per employee ($millions) | 4.8933% | 2,399 |
| Cash dividends to net income (ytd only)* | 90.1639% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5570% | 3,906 |
| Loan loss allowance to noncurrent loans | 88.0452% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.0729% | 4,344 |
| Noncurrent loans to loans | 1.7684% | 3,457 |
| Net loans and leases to total assets | 58.6819% | 3,925 |
| Net loans and leases to deposits | 65.5856% | 4,428 |
| Net loans and leases to core deposits | 66.9178% | 4,810 |
| Total domestic deposits to total assets | 89.4738% | 1,389 |
| Equity capital to assets | 10.3338% | 3,690 |
| Core capital (leverage) ratio | 10.5055% | 2,743 |
| Tier 1 risk-based capital ratio | 18.3762% | 2,177 |
| Total risk-based capital ratio | 19.5694% | 2,169 |
| Memoranda: | ||
| Average total assets | $57,225,000 | 6,145 |
| Average earning assets | $53,057,000 | 6,094 |
| Average equity | $6,062,000 | 6,131 |
| Average total loans | $36,314,000 | 5,806 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 3,800 |
| Cost of funding earning assets | 1.2365% | 1,806 |
| Net interest margin | 3.5657% | 4,867 |
| Noninterest income to average assets | 0.1657% | 6,303 |
| Noninterest expense to average assets | 2.1082% | 6,479 |
| Loan and lease loss provision to assets | 0.1657% | 4,564 |
| Net operating income to assets | 1.2097% | 1,486 |
| Return on assets (ROA) | 1.2097% | 1,596 |
| Pretax return on assets | 1.2207% | 2,385 |
| Return on Equity (ROE) | 11.2832% | 1,624 |
| Retained earnings to average equity (ytd only) | 7.5393% | 1,260 |
| Net charge-offs to loans | 0.2490% | 4,218 |
| Credit loss provision to net charge-offs | 95.7447% | 3,769 |
| Earnings coverage of net charge-offs (x) | 8.0106% | 2,227 |
| Efficiency ratio | 60.3267% | 5,702 |
| Assets per employee ($millions) | 4.6442% | 2,693 |
| Cash dividends to net income (ytd only)* | 33.1811% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 5,570 |
| Loan loss allowance to noncurrent loans | 75.0859% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.0641% | 4,487 |
| Noncurrent loans to loans | 1.5468% | 3,837 |
| Net loans and leases to total assets | 66.7289% | 2,633 |
| Net loans and leases to deposits | 75.0363% | 3,339 |
| Net loans and leases to core deposits | 78.2658% | 3,650 |
| Total domestic deposits to total assets | 88.9288% | 1,595 |
| Equity capital to assets | 10.8667% | 3,124 |
| Core capital (leverage) ratio | 10.7555% | 2,466 |
| Tier 1 risk-based capital ratio | 17.2905% | 2,473 |
| Total risk-based capital ratio | 18.5382% | 2,447 |
| Memoranda: | ||
| Average total assets | $54,312,600 | 6,220 |
| Average earning assets | $50,705,600 | 6,166 |
| Average equity | $5,822,800 | 6,199 |
| Average total loans | $37,754,400 | 5,794 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 3,725 |
| Cost of funding earning assets | 1.2858% | 1,782 |
| Net interest margin | 3.5748% | 4,869 |
| Noninterest income to average assets | 0.1260% | 6,621 |
| Noninterest expense to average assets | 1.9644% | 6,764 |
| Loan and lease loss provision to assets | 0.2224% | 3,794 |
| Net operating income to assets | 1.2849% | 1,420 |
| Return on assets (ROA) | 1.2849% | 1,516 |
| Pretax return on assets | 1.2849% | 2,340 |
| Return on Equity (ROE) | 12.0274% | 1,544 |
| Retained earnings to average equity (ytd only) | 7.8409% | 1,571 |
| Net charge-offs to loans | 0.0423% | 5,558 |
| Credit loss provision to net charge-offs | 750.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 50.8319% | 638 |
| Efficiency ratio | 56.5836% | 6,196 |
| Assets per employee ($millions) | 4.6109% | 2,740 |
| Cash dividends to net income (ytd only)* | 34.8079% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 4,761 |
| Loan loss allowance to noncurrent loans | 71.5862% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.3717% | 4,079 |
| Noncurrent loans to loans | 1.8900% | 3,517 |
| Net loans and leases to total assets | 68.3884% | 2,402 |
| Net loans and leases to deposits | 76.9074% | 3,176 |
| Net loans and leases to core deposits | 80.0000% | 3,638 |
| Total domestic deposits to total assets | 88.9230% | 1,470 |
| Equity capital to assets | 10.7643% | 3,405 |
| Core capital (leverage) ratio | 10.9940% | 2,397 |
| Tier 1 risk-based capital ratio | 16.7440% | 2,740 |
| Total risk-based capital ratio | 17.9950% | 2,721 |
| Memoranda: | ||
| Average total assets | $53,958,250 | 6,283 |
| Average earning assets | $50,500,250 | 6,223 |
| Average equity | $5,764,500 | 6,256 |
| Average total loans | $37,786,750 | 5,848 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8586% | 3,823 |
| Cost of funding earning assets | 1.3454% | 1,672 |
| Net interest margin | 3.5132% | 5,095 |
| Noninterest income to average assets | 0.1607% | 6,509 |
| Noninterest expense to average assets | 1.9738% | 6,846 |
| Loan and lease loss provision to assets | 0.3364% | 2,767 |
| Net operating income to assets | 1.1402% | 1,755 |
| Return on assets (ROA) | 1.1402% | 1,826 |
| Pretax return on assets | 1.1402% | 2,694 |
| Return on Equity (ROE) | 10.7005% | 1,898 |
| Retained earnings to average equity (ytd only) | 4.3504% | 3,426 |
| Net charge-offs to loans | -0.2926% | 7,345 |
| Credit loss provision to net charge-offs | -163.6364% | 6,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2048% | 6,268 |
| Assets per employee ($millions) | 4.5906% | 2,700 |
| Cash dividends to net income (ytd only)* | 59.3443% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 3,857 |
| Loan loss allowance to noncurrent loans | 63.8344% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.6665% | 3,680 |
| Noncurrent loans to loans | 2.4465% | 2,939 |
| Net loans and leases to total assets | 67.0521% | 2,815 |
| Net loans and leases to deposits | 75.1286% | 3,630 |
| Net loans and leases to core deposits | 76.7554% | 4,219 |
| Total domestic deposits to total assets | 89.2497% | 1,385 |
| Equity capital to assets | 10.4217% | 3,618 |
| Core capital (leverage) ratio | 10.6490% | 2,569 |
| Tier 1 risk-based capital ratio | 16.4782% | 2,751 |
| Total risk-based capital ratio | 17.7411% | 2,707 |
| Memoranda: | ||
| Average total assets | $53,500,670 | 6,351 |
| Average earning assets | $50,097,000 | 6,287 |
| Average equity | $5,700,670 | 6,317 |
| Average total loans | $37,596,000 | 5,911 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9278% | 3,430 |
| Cost of funding earning assets | 1.4045% | 1,587 |
| Net interest margin | 3.5234% | 4,903 |
| Noninterest income to average assets | 0.1366% | 6,727 |
| Noninterest expense to average assets | 2.0870% | 6,672 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3433% | 1,166 |
| Return on assets (ROA) | 1.3433% | 1,215 |
| Pretax return on assets | 1.3433% | 1,901 |
| Return on Equity (ROE) | 12.4637% | 1,337 |
| Retained earnings to average equity (ytd only) | 8.9429% | 1,399 |
| Net charge-offs to loans | -0.0319% | 6,727 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8407% | 5,854 |
| Assets per employee ($millions) | 4.4128% | 3,028 |
| Cash dividends to net income (ytd only)* | 28.2486% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 5,767 |
| Loan loss allowance to noncurrent loans | 48.3134% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 1.7355% | 3,657 |
| Noncurrent loans to loans | 2.4223% | 3,068 |
| Net loans and leases to total assets | 70.8067% | 1,967 |
| Net loans and leases to deposits | 79.6427% | 2,778 |
| Net loans and leases to core deposits | 81.9008% | 3,470 |
| Total domestic deposits to total assets | 88.9055% | 1,832 |
| Equity capital to assets | 10.8472% | 2,832 |
| Core capital (leverage) ratio | 10.8283% | 2,335 |
| Tier 1 risk-based capital ratio | 16.4627% | 2,676 |
| Total risk-based capital ratio | 17.7123% | 2,654 |
| Memoranda: | ||
| Average total assets | $52,707,500 | 6,431 |
| Average earning assets | $49,271,000 | 6,366 |
| Average equity | $5,680,500 | 6,343 |
| Average total loans | $37,632,500 | 5,956 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2017% | 3,600 |
| Cost of funding earning assets | 1.6782% | 1,694 |
| Net interest margin | 3.5234% | 5,145 |
| Noninterest income to average assets | 0.1595% | 6,578 |
| Noninterest expense to average assets | 2.1465% | 6,740 |
| Loan and lease loss provision to assets | 0.2501% | 4,793 |
| Net operating income to assets | 1.0791% | 1,761 |
| Return on assets (ROA) | 1.0791% | 1,857 |
| Pretax return on assets | 1.0870% | 2,628 |
| Return on Equity (ROE) | 10.0639% | 1,903 |
| Retained earnings to average equity (ytd only) | 7.2357% | 1,229 |
| Net charge-offs to loans | 0.0919% | 5,928 |
| Credit loss provision to net charge-offs | 373.5294% | 679 |
| Earnings coverage of net charge-offs (x) | 19.9706% | 1,033 |
| Efficiency ratio | 61.6167% | 5,790 |
| Assets per employee ($millions) | 4.3718% | 3,082 |
| Cash dividends to net income (ytd only)* | 28.1022% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 5,601 |
| Loan loss allowance to noncurrent loans | 58.3333% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.4411% | 4,169 |
| Noncurrent loans to loans | 2.0254% | 3,528 |
| Net loans and leases to total assets | 70.3094% | 2,464 |
| Net loans and leases to deposits | 79.0082% | 3,336 |
| Net loans and leases to core deposits | 82.1547% | 3,891 |
| Total domestic deposits to total assets | 88.9899% | 1,667 |
| Equity capital to assets | 10.7070% | 2,949 |
| Core capital (leverage) ratio | 11.1023% | 2,084 |
| Tier 1 risk-based capital ratio | 16.4014% | 2,571 |
| Total risk-based capital ratio | 17.6512% | 2,533 |
| Memoranda: | ||
| Average total assets | $50,781,000 | 6,501 |
| Average earning assets | $47,907,600 | 6,436 |
| Average equity | $5,445,200 | 6,524 |
| Average total loans | $36,997,400 | 6,067 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2549% | 3,553 |
| Cost of funding earning assets | 1.7116% | 1,811 |
| Net interest margin | 3.5433% | 5,128 |
| Noninterest income to average assets | 0.1509% | 6,784 |
| Noninterest expense to average assets | 2.0386% | 6,981 |
| Loan and lease loss provision to assets | 0.1244% | 5,786 |
| Net operating income to assets | 1.3476% | 1,229 |
| Return on assets (ROA) | 1.3476% | 1,308 |
| Pretax return on assets | 1.3476% | 2,038 |
| Return on Equity (ROE) | 12.5624% | 1,372 |
| Retained earnings to average equity (ytd only) | 8.9837% | 1,056 |
| Net charge-offs to loans | -0.2601% | 7,641 |
| Credit loss provision to net charge-offs | -65.2778% | 6,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0694% | 6,261 |
| Assets per employee ($millions) | 4.2741% | 3,305 |
| Cash dividends to net income (ytd only)* | 28.4874% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 5,232 |
| Loan loss allowance to noncurrent loans | 96.6942% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.9437% | 5,210 |
| Noncurrent loans to loans | 1.2925% | 4,694 |
| Net loans and leases to total assets | 72.0993% | 2,233 |
| Net loans and leases to deposits | 81.2565% | 3,226 |
| Net loans and leases to core deposits | 85.5738% | 3,719 |
| Total domestic deposits to total assets | 88.7305% | 1,544 |
| Equity capital to assets | 10.8932% | 3,059 |
| Core capital (leverage) ratio | 11.1720% | 2,143 |
| Tier 1 risk-based capital ratio | 16.4077% | 2,596 |
| Total risk-based capital ratio | 17.6529% | 2,547 |
| Memoranda: | ||
| Average total assets | $50,361,000 | 6,594 |
| Average earning assets | $47,751,000 | 6,519 |
| Average equity | $5,402,250 | 6,623 |
| Average total loans | $36,915,250 | 6,152 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2888% | 3,521 |
| Cost of funding earning assets | 1.7081% | 2,081 |
| Net interest margin | 3.5807% | 4,899 |
| Noninterest income to average assets | 0.1638% | 6,727 |
| Noninterest expense to average assets | 1.9939% | 7,122 |
| Loan and lease loss provision to assets | 0.1878% | 4,992 |
| Net operating income to assets | 1.3746% | 1,140 |
| Return on assets (ROA) | 1.3746% | 1,207 |
| Pretax return on assets | 1.3746% | 1,897 |
| Return on Equity (ROE) | 12.8823% | 1,268 |
| Retained earnings to average equity (ytd only) | 9.4745% | 967 |
| Net charge-offs to loans | -0.3756% | 7,708 |
| Credit loss provision to net charge-offs | -68.1159% | 6,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0674% | 6,628 |
| Assets per employee ($millions) | 4.2273% | 3,336 |
| Cash dividends to net income (ytd only)* | 26.4535% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 5,294 |
| Loan loss allowance to noncurrent loans | 138.5075% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 5,839 |
| Noncurrent loans to loans | 0.8877% | 5,491 |
| Net loans and leases to total assets | 73.4782% | 2,037 |
| Net loans and leases to deposits | 82.7741% | 3,121 |
| Net loans and leases to core deposits | 84.2331% | 4,111 |
| Total domestic deposits to total assets | 88.7695% | 1,560 |
| Equity capital to assets | 10.7948% | 3,077 |
| Core capital (leverage) ratio | 11.0270% | 2,221 |
| Tier 1 risk-based capital ratio | 15.9200% | 2,712 |
| Total risk-based capital ratio | 17.1527% | 2,679 |
| Memoranda: | ||
| Average total assets | $50,051,670 | 6,646 |
| Average earning assets | $47,421,000 | 6,575 |
| Average equity | $5,340,670 | 6,670 |
| Average total loans | $36,738,000 | 6,207 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1665% | 4,214 |
| Cost of funding earning assets | 1.7193% | 2,293 |
| Net interest margin | 3.4472% | 5,386 |
| Noninterest income to average assets | 0.1931% | 6,583 |
| Noninterest expense to average assets | 1.8908% | 7,343 |
| Loan and lease loss provision to assets | 0.3782% | 3,100 |
| Net operating income to assets | 1.1828% | 1,586 |
| Return on assets (ROA) | 1.1828% | 1,665 |
| Pretax return on assets | 1.1828% | 2,426 |
| Return on Equity (ROE) | 11.1511% | 1,739 |
| Retained earnings to average equity (ytd only) | 7.5858% | 1,884 |
| Net charge-offs to loans | -0.1325% | 7,580 |
| Credit loss provision to net charge-offs | -391.6667% | 6,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7786% | 6,907 |
| Assets per employee ($millions) | 4.1420% | 3,575 |
| Cash dividends to net income (ytd only)* | 31.9728% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 5,921 |
| Loan loss allowance to noncurrent loans | 150.1845% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 6,139 |
| Noncurrent loans to loans | 0.7452% | 5,830 |
| Net loans and leases to total assets | 72.3443% | 2,376 |
| Net loans and leases to deposits | 81.3401% | 3,398 |
| Net loans and leases to core deposits | 83.2959% | 4,301 |
| Total domestic deposits to total assets | 88.9405% | 1,547 |
| Equity capital to assets | 10.7094% | 3,036 |
| Core capital (leverage) ratio | 10.8156% | 2,361 |
| Tier 1 risk-based capital ratio | 15.6836% | 2,790 |
| Total risk-based capital ratio | 16.8827% | 2,761 |
| Memoranda: | ||
| Average total assets | $49,713,500 | 6,742 |
| Average earning assets | $46,995,000 | 6,668 |
| Average equity | $5,273,000 | 6,749 |
| Average total loans | $36,238,000 | 6,299 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1877% | 5,706 |
| Cost of funding earning assets | 2.0807% | 2,564 |
| Net interest margin | 3.1070% | 6,346 |
| Noninterest income to average assets | 0.1771% | 6,816 |
| Noninterest expense to average assets | 2.1520% | 7,082 |
| Loan and lease loss provision to assets | 0.1690% | 5,998 |
| Net operating income to assets | 0.8164% | 2,470 |
| Return on assets (ROA) | 0.8164% | 2,556 |
| Pretax return on assets | 0.7961% | 3,253 |
| Return on Equity (ROE) | 7.8329% | 2,449 |
| Retained earnings to average equity (ytd only) | 5.8015% | 1,429 |
| Net charge-offs to loans | 0.1534% | 5,732 |
| Credit loss provision to net charge-offs | 159.6154% | 2,804 |
| Earnings coverage of net charge-offs (x) | 9.1154% | 1,842 |
| Efficiency ratio | 69.0398% | 4,822 |
| Assets per employee ($millions) | 4.1436% | 3,532 |
| Cash dividends to net income (ytd only)* | 25.9352% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 6,564 |
| Loan loss allowance to noncurrent loans | 83.4532% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.8386% | 5,426 |
| Noncurrent loans to loans | 1.1548% | 5,021 |
| Net loans and leases to total assets | 71.9245% | 2,765 |
| Net loans and leases to deposits | 80.7036% | 3,860 |
| Net loans and leases to core deposits | 110.8999% | 2,806 |
| Total domestic deposits to total assets | 89.1217% | 1,424 |
| Equity capital to assets | 10.5042% | 3,175 |
| Core capital (leverage) ratio | 10.4917% | 2,618 |
| Tier 1 risk-based capital ratio | 15.4696% | 2,731 |
| Total risk-based capital ratio | 16.5003% | 2,781 |
| Memoranda: | ||
| Average total assets | $49,117,200 | 6,745 |
| Average earning assets | $46,475,000 | 6,668 |
| Average equity | $5,119,400 | 6,903 |
| Average total loans | $33,891,400 | 6,402 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1400% | 6,140 |
| Cost of funding earning assets | 2.1261% | 2,766 |
| Net interest margin | 3.0139% | 6,566 |
| Noninterest income to average assets | 0.1661% | 7,022 |
| Noninterest expense to average assets | 1.8625% | 7,592 |
| Loan and lease loss provision to assets | 0.0790% | 6,576 |
| Net operating income to assets | 1.0810% | 1,793 |
| Return on assets (ROA) | 1.0810% | 1,845 |
| Pretax return on assets | 1.0810% | 2,639 |
| Return on Equity (ROE) | 10.3921% | 1,790 |
| Retained earnings to average equity (ytd only) | 8.3503% | 1,025 |
| Net charge-offs to loans | -0.0120% | 7,707 |
| Credit loss provision to net charge-offs | -966.6667% | 7,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6216% | 6,177 |
| Assets per employee ($millions) | 4.2023% | 3,380 |
| Cash dividends to net income (ytd only)* | 19.6479% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 6,358 |
| Loan loss allowance to noncurrent loans | 198.2955% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 6,609 |
| Noncurrent loans to loans | 0.4989% | 6,312 |
| Net loans and leases to total assets | 69.2645% | 3,660 |
| Net loans and leases to deposits | 77.6264% | 4,791 |
| Net loans and leases to core deposits | 104.9330% | 3,831 |
| Total domestic deposits to total assets | 89.2280% | 1,097 |
| Equity capital to assets | 10.4012% | 3,615 |
| Core capital (leverage) ratio | 10.3165% | 2,957 |
| Tier 1 risk-based capital ratio | 15.8330% | 2,691 |
| Total risk-based capital ratio | 16.8865% | 2,700 |
| Memoranda: | ||
| Average total assets | $48,965,750 | 6,806 |
| Average earning assets | $46,406,250 | 6,719 |
| Average equity | $5,093,500 | 6,970 |
| Average total loans | $33,336,500 | 6,493 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1323% | 6,309 |
| Cost of funding earning assets | 2.1598% | 2,989 |
| Net interest margin | 2.9724% | 6,627 |
| Noninterest income to average assets | 0.1815% | 7,001 |
| Noninterest expense to average assets | 1.9060% | 7,615 |
| Loan and lease loss provision to assets | 0.0743% | 6,446 |
| Net operating income to assets | 1.0231% | 2,029 |
| Return on assets (ROA) | 1.0231% | 2,114 |
| Pretax return on assets | 1.0231% | 2,915 |
| Return on Equity (ROE) | 9.8354% | 2,076 |
| Retained earnings to average equity (ytd only) | 7.8525% | 1,260 |
| Net charge-offs to loans | -0.0428% | 7,825 |
| Credit loss provision to net charge-offs | -257.1429% | 6,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4615% | 6,010 |
| Assets per employee ($millions) | 4.2483% | 3,204 |
| Cash dividends to net income (ytd only)* | 20.1613% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 6,057 |
| Loan loss allowance to noncurrent loans | 137.9032% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 6,218 |
| Noncurrent loans to loans | 0.7423% | 5,758 |
| Net loans and leases to total assets | 64.8607% | 4,794 |
| Net loans and leases to deposits | 72.4528% | 5,677 |
| Net loans and leases to core deposits | 97.0902% | 4,775 |
| Total domestic deposits to total assets | 89.5214% | 1,032 |
| Equity capital to assets | 10.0510% | 3,870 |
| Core capital (leverage) ratio | 10.3022% | 2,993 |
| Tier 1 risk-based capital ratio | 16.0859% | 2,595 |
| Total risk-based capital ratio | 17.1595% | 2,602 |
| Memoranda: | ||
| Average total assets | $48,478,670 | 6,888 |
| Average earning assets | $46,022,670 | 6,801 |
| Average equity | $5,043,000 | 7,045 |
| Average total loans | $32,689,670 | 6,571 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2655% | 6,046 |
| Cost of funding earning assets | 2.1640% | 3,352 |
| Net interest margin | 3.1015% | 6,195 |
| Noninterest income to average assets | 0.2033% | 6,838 |
| Noninterest expense to average assets | 1.7955% | 7,704 |
| Loan and lease loss provision to assets | 0.1101% | 5,557 |
| Net operating income to assets | 1.2958% | 1,392 |
| Return on assets (ROA) | 1.2958% | 1,486 |
| Pretax return on assets | 1.2958% | 2,298 |
| Return on Equity (ROE) | 12.2339% | 1,589 |
| Retained earnings to average equity (ytd only) | 12.2339% | 748 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0847% | 6,962 |
| Assets per employee ($millions) | 4.0449% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 5,954 |
| Loan loss allowance to noncurrent loans | 266.1290% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 6,742 |
| Noncurrent loans to loans | 0.3864% | 6,452 |
| Net loans and leases to total assets | 65.4257% | 4,720 |
| Net loans and leases to deposits | 73.4640% | 5,544 |
| Net loans and leases to core deposits | 100.7903% | 4,463 |
| Total domestic deposits to total assets | 89.0583% | 1,203 |
| Equity capital to assets | 10.4638% | 3,496 |
| Core capital (leverage) ratio | 10.8959% | 2,588 |
| Tier 1 risk-based capital ratio | 16.6552% | 2,462 |
| Total risk-based capital ratio | 17.7373% | 2,455 |
| Memoranda: | ||
| Average total assets | $47,228,000 | 6,973 |
| Average earning assets | $45,655,500 | 6,851 |
| Average equity | $5,002,500 | 7,106 |
| Average total loans | $32,330,500 | 6,627 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8251% | 6,357 |
| Cost of funding earning assets | 3.0402% | 1,715 |
| Net interest margin | 2.7849% | 7,352 |
| Noninterest income to average assets | 0.1893% | 7,097 |
| Noninterest expense to average assets | 2.1671% | 7,067 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6549% | 4,085 |
| Return on assets (ROA) | 0.6549% | 3,935 |
| Pretax return on assets | 0.6332% | 4,591 |
| Return on Equity (ROE) | 6.1891% | 3,869 |
| Retained earnings to average equity (ytd only) | 2.8375% | 3,406 |
| Net charge-offs to loans | 0.0554% | 5,989 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 17.1176% | 1,797 |
| Efficiency ratio | 77.3893% | 3,020 |
| Assets per employee ($millions) | 3.8264% | 3,911 |
| Cash dividends to net income (ytd only)* | 54.1528% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 6,250 |
| Loan loss allowance to noncurrent loans | 218.6207% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 6,345 |
| Noncurrent loans to loans | 0.4451% | 6,020 |
| Net loans and leases to total assets | 70.2507% | 3,961 |
| Net loans and leases to deposits | 79.0322% | 5,189 |
| Net loans and leases to core deposits | 107.2659% | 4,054 |
| Total domestic deposits to total assets | 88.8886% | 1,088 |
| Equity capital to assets | 10.7281% | 3,271 |
| Core capital (leverage) ratio | 10.4753% | 2,993 |
| Tier 1 risk-based capital ratio | 16.4661% | 2,499 |
| Total risk-based capital ratio | 17.5257% | 2,497 |
| Memoranda: | ||
| Average total assets | $45,959,400 | 6,938 |
| Average earning assets | $43,089,200 | 6,899 |
| Average equity | $4,863,400 | 7,191 |
| Average total loans | $30,699,000 | 6,664 |