Home > Hartwick State Bank > Performance and Condition Ratios
Hartwick State Bank, Performance and Condition Ratios
| 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 | 3.0519% | 5,456 |
| Cost of funding earning assets | 0.2596% | 4,469 |
| Net interest margin | 2.7923% | 5,304 |
| Noninterest income to average assets | 0.1552% | 5,433 |
| Noninterest expense to average assets | 2.7206% | 3,277 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1195% | 5,540 |
| Return on assets (ROA) | 0.1348% | 5,548 |
| Pretax return on assets | 0.1797% | 5,516 |
| Return on Equity (ROE) | 1.5393% | 5,481 |
| Retained earnings to average equity (ytd only) | 1.5393% | 4,643 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4681% | 364 |
| Assets per employee ($millions) | 4.8174% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 2,963 |
| Loan loss allowance to noncurrent loans | 57.5610% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8511% | 2,217 |
| Noncurrent loans to loans | 2.1296% | 817 |
| Net loans and leases to total assets | 39.4736% | 5,337 |
| Net loans and leases to deposits | 43.2851% | 5,453 |
| Net loans and leases to core deposits | 43.2851% | 5,512 |
| Total domestic deposits to total assets | 91.1944% | 225 |
| Equity capital to assets | 8.5855% | 5,202 |
| Core capital (leverage) ratio | 8.5373% | 5,221 |
| Tier 1 risk-based capital ratio | 13.7191% | 3,638 |
| Total risk-based capital ratio | 14.5004% | 3,838 |
| Memoranda: | ||
| Average total assets | $24,480,000 | 5,783 |
| Average earning assets | $23,887,000 | 5,749 |
| Average equity | $2,143,800 | 5,834 |
| Average total loans | $9,826,600 | 5,770 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0664% | 5,508 |
| Cost of funding earning assets | 0.2555% | 4,554 |
| Net interest margin | 2.8109% | 5,340 |
| Noninterest income to average assets | 0.1627% | 5,455 |
| Noninterest expense to average assets | 2.3869% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4795% | 4,768 |
| Return on assets (ROA) | 0.5045% | 4,782 |
| Pretax return on assets | 0.5479% | 5,010 |
| Return on Equity (ROE) | 5.7334% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.7334% | 2,339 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0896% | 1,177 |
| Assets per employee ($millions) | 4.7716% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 3,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 39.8189% | 5,386 |
| Net loans and leases to deposits | 44.2643% | 5,508 |
| Net loans and leases to core deposits | 44.2643% | 5,574 |
| Total domestic deposits to total assets | 89.9572% | 498 |
| Equity capital to assets | 9.3260% | 4,843 |
| Core capital (leverage) ratio | 8.7614% | 5,086 |
| Tier 1 risk-based capital ratio | 17.8455% | 1,962 |
| Total risk-based capital ratio | 18.8332% | 2,010 |
| Memoranda: | ||
| Average total assets | $24,578,250 | 5,842 |
| Average earning assets | $24,001,500 | 5,806 |
| Average equity | $2,162,750 | 5,895 |
| Average total loans | $9,876,750 | 5,834 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0687% | 5,574 |
| Cost of funding earning assets | 0.2557% | 4,598 |
| Net interest margin | 2.8130% | 5,404 |
| Noninterest income to average assets | 0.1692% | 5,475 |
| Noninterest expense to average assets | 2.3692% | 4,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5105% | 4,638 |
| Return on assets (ROA) | 0.5480% | 4,598 |
| Pretax return on assets | 0.5883% | 4,914 |
| Return on Equity (ROE) | 6.3492% | 3,877 |
| Retained earnings to average equity (ytd only) | 6.3492% | 1,937 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2155% | 1,362 |
| Assets per employee ($millions) | 4.8514% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 3,068 |
| Loan loss allowance to noncurrent loans | 842.8571% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 5,327 |
| Noncurrent loans to loans | 0.1484% | 4,842 |
| Net loans and leases to total assets | 38.4095% | 5,496 |
| Net loans and leases to deposits | 42.5764% | 5,602 |
| Net loans and leases to core deposits | 42.5764% | 5,665 |
| Total domestic deposits to total assets | 90.2131% | 407 |
| Equity capital to assets | 9.1314% | 5,131 |
| Core capital (leverage) ratio | 8.4584% | 5,397 |
| Tier 1 risk-based capital ratio | 16.8937% | 2,262 |
| Total risk-based capital ratio | 17.8394% | 2,345 |
| Memoranda: | ||
| Average total assets | $24,818,330 | 5,913 |
| Average earning assets | $24,244,670 | 5,874 |
| Average equity | $2,142,000 | 5,971 |
| Average total loans | $9,963,000 | 5,905 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0507% | 5,641 |
| Cost of funding earning assets | 0.2610% | 4,601 |
| Net interest margin | 2.7897% | 5,483 |
| Noninterest income to average assets | 0.1594% | 5,537 |
| Noninterest expense to average assets | 2.3587% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4845% | 4,693 |
| Return on assets (ROA) | 0.5578% | 4,484 |
| Pretax return on assets | 0.6056% | 4,806 |
| Return on Equity (ROE) | 6.6493% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.6493% | 2,061 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7680% | 1,390 |
| Assets per employee ($millions) | 5.0640% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 3,439 |
| Loan loss allowance to noncurrent loans | 536.3636% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 5,236 |
| Noncurrent loans to loans | 0.2248% | 4,622 |
| Net loans and leases to total assets | 38.1793% | 5,548 |
| Net loans and leases to deposits | 41.9174% | 5,654 |
| Net loans and leases to core deposits | 41.9174% | 5,715 |
| Total domestic deposits to total assets | 91.0821% | 247 |
| Equity capital to assets | 8.4479% | 5,601 |
| Core capital (leverage) ratio | 8.2080% | 5,648 |
| Tier 1 risk-based capital ratio | 15.3448% | 2,998 |
| Total risk-based capital ratio | 16.2178% | 3,108 |
| Memoranda: | ||
| Average total assets | $25,099,000 | 5,968 |
| Average earning assets | $24,519,000 | 5,930 |
| Average equity | $2,105,500 | 6,033 |
| Average total loans | $10,227,000 | 5,958 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0317% | 5,704 |
| Cost of funding earning assets | 0.2679% | 4,614 |
| Net interest margin | 2.7638% | 5,578 |
| Noninterest income to average assets | 0.1506% | 5,661 |
| Noninterest expense to average assets | 2.6034% | 3,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2034% | 5,564 |
| Return on assets (ROA) | 0.2100% | 5,615 |
| Pretax return on assets | 0.2536% | 5,608 |
| Return on Equity (ROE) | 2.4467% | 5,467 |
| Retained earnings to average equity (ytd only) | -2.1697% | 5,761 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3769% | 604 |
| Assets per employee ($millions) | 4.9756% | 2,396 |
| Cash dividends to net income (ytd only)* | 188.6792% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 4,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 42.4110% | 5,382 |
| Net loans and leases to deposits | 46.4986% | 5,542 |
| Net loans and leases to core deposits | 46.4986% | 5,627 |
| Total domestic deposits to total assets | 91.2091% | 236 |
| Equity capital to assets | 8.3286% | 5,684 |
| Core capital (leverage) ratio | 8.1394% | 5,745 |
| Tier 1 risk-based capital ratio | 16.5048% | 2,477 |
| Total risk-based capital ratio | 17.4599% | 2,559 |
| Memoranda: | ||
| Average total assets | $25,236,400 | 6,022 |
| Average earning assets | $24,640,000 | 5,987 |
| Average equity | $2,166,200 | 6,081 |
| Average total loans | $9,818,800 | 6,017 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9774% | 5,827 |
| Cost of funding earning assets | 0.2697% | 4,669 |
| Net interest margin | 2.7078% | 5,716 |
| Noninterest income to average assets | 0.1421% | 5,774 |
| Noninterest expense to average assets | 2.2216% | 4,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5219% | 4,717 |
| Return on assets (ROA) | 0.5317% | 4,769 |
| Pretax return on assets | 0.5738% | 5,036 |
| Return on Equity (ROE) | 6.1496% | 4,087 |
| Retained earnings to average equity (ytd only) | 6.1496% | 2,152 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7732% | 1,691 |
| Assets per employee ($millions) | 4.9872% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 3,992 |
| Loan loss allowance to noncurrent loans | 1,475.0000% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 5,659 |
| Noncurrent loans to loans | 0.0774% | 5,317 |
| Net loans and leases to total assets | 40.9970% | 5,540 |
| Net loans and leases to deposits | 46.2600% | 5,639 |
| Net loans and leases to core deposits | 46.2600% | 5,728 |
| Total domestic deposits to total assets | 88.6229% | 1,226 |
| Equity capital to assets | 9.0752% | 5,235 |
| Core capital (leverage) ratio | 8.6301% | 5,431 |
| Tier 1 risk-based capital ratio | 17.6040% | 2,156 |
| Total risk-based capital ratio | 18.5534% | 2,209 |
| Memoranda: | ||
| Average total assets | $25,326,000 | 6,110 |
| Average earning assets | $24,718,500 | 6,069 |
| Average equity | $2,189,750 | 6,161 |
| Average total loans | $9,606,250 | 6,104 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8733% | 5,969 |
| Cost of funding earning assets | 0.2656% | 4,765 |
| Net interest margin | 2.6077% | 5,877 |
| Noninterest income to average assets | 0.1571% | 5,768 |
| Noninterest expense to average assets | 2.1920% | 5,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4720% | 4,883 |
| Return on assets (ROA) | 0.4793% | 4,956 |
| Pretax return on assets | 0.5185% | 5,181 |
| Return on Equity (ROE) | 5.6342% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.6342% | 2,442 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1047% | 1,608 |
| Assets per employee ($millions) | 5.1336% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 3,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 37.3968% | 5,759 |
| Net loans and leases to deposits | 41.1163% | 5,874 |
| Net loans and leases to core deposits | 41.7875% | 5,907 |
| Total domestic deposits to total assets | 90.9537% | 303 |
| Equity capital to assets | 8.5554% | 5,637 |
| Core capital (leverage) ratio | 8.2906% | 5,718 |
| Tier 1 risk-based capital ratio | 17.1388% | 2,354 |
| Total risk-based capital ratio | 18.0803% | 2,429 |
| Memoranda: | ||
| Average total assets | $25,456,000 | 6,182 |
| Average earning assets | $24,849,330 | 6,133 |
| Average equity | $2,165,330 | 6,237 |
| Average total loans | $9,361,330 | 6,175 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8444% | 6,040 |
| Cost of funding earning assets | 0.2747% | 4,729 |
| Net interest margin | 2.5696% | 5,949 |
| Noninterest income to average assets | 0.1736% | 5,671 |
| Noninterest expense to average assets | 2.2249% | 5,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4118% | 5,028 |
| Return on assets (ROA) | 0.4260% | 5,089 |
| Pretax return on assets | 0.4734% | 5,249 |
| Return on Equity (ROE) | 5.0233% | 4,516 |
| Retained earnings to average equity (ytd only) | 5.0233% | 3,043 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9412% | 1,504 |
| Assets per employee ($millions) | 5.2038% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 3,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 33.1911% | 5,956 |
| Net loans and leases to deposits | 36.4342% | 6,044 |
| Net loans and leases to core deposits | 37.6657% | 6,050 |
| Total domestic deposits to total assets | 91.0988% | 336 |
| Equity capital to assets | 8.4246% | 5,791 |
| Core capital (leverage) ratio | 8.4197% | 5,605 |
| Tier 1 risk-based capital ratio | 16.1640% | 2,837 |
| Total risk-based capital ratio | 17.0471% | 2,955 |
| Memoranda: | ||
| Average total assets | $25,350,000 | 6,250 |
| Average earning assets | $24,750,500 | 6,200 |
| Average equity | $2,150,000 | 6,304 |
| Average total loans | $9,183,500 | 6,247 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0690% | 5,993 |
| Cost of funding earning assets | 0.2833% | 4,974 |
| Net interest margin | 2.7856% | 5,832 |
| Noninterest income to average assets | 0.1402% | 5,998 |
| Noninterest expense to average assets | 2.6567% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1509% | 5,874 |
| Return on assets (ROA) | 0.1714% | 5,871 |
| Pretax return on assets | 0.2298% | 5,820 |
| Return on Equity (ROE) | 2.0893% | 5,744 |
| Retained earnings to average equity (ytd only) | 2.0893% | 4,735 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9155% | 654 |
| Assets per employee ($millions) | 4.9362% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 3,845 |
| Loan loss allowance to noncurrent loans | 357.5758% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 5,497 |
| Noncurrent loans to loans | 0.3433% | 4,625 |
| Net loans and leases to total assets | 38.4709% | 5,822 |
| Net loans and leases to deposits | 42.1925% | 5,963 |
| Net loans and leases to core deposits | 43.5271% | 5,974 |
| Total domestic deposits to total assets | 91.1794% | 311 |
| Equity capital to assets | 8.5410% | 5,710 |
| Core capital (leverage) ratio | 8.4865% | 5,573 |
| Tier 1 risk-based capital ratio | 17.2522% | 2,400 |
| Total risk-based capital ratio | 18.2277% | 2,483 |
| Memoranda: | ||
| Average total assets | $25,671,000 | 6,329 |
| Average earning assets | $25,057,400 | 6,273 |
| Average equity | $2,106,000 | 6,389 |
| Average total loans | $9,872,600 | 6,319 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0815% | 6,054 |
| Cost of funding earning assets | 0.2845% | 5,052 |
| Net interest margin | 2.7970% | 5,873 |
| Noninterest income to average assets | 0.1389% | 6,080 |
| Noninterest expense to average assets | 2.2377% | 5,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5834% | 4,520 |
| Return on assets (ROA) | 0.6070% | 4,502 |
| Pretax return on assets | 0.6584% | 4,846 |
| Return on Equity (ROE) | 7.4723% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.4723% | 1,585 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9570% | 2,183 |
| Assets per employee ($millions) | 4.8644% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 3,892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 38.0972% | 5,939 |
| Net loans and leases to deposits | 42.0876% | 6,045 |
| Net loans and leases to core deposits | 43.1659% | 6,074 |
| Total domestic deposits to total assets | 90.5189% | 519 |
| Equity capital to assets | 8.9754% | 5,380 |
| Core capital (leverage) ratio | 8.6565% | 5,494 |
| Tier 1 risk-based capital ratio | 18.3618% | 2,101 |
| Total risk-based capital ratio | 19.3644% | 2,136 |
| Memoranda: | ||
| Average total assets | $25,918,500 | 6,403 |
| Average earning assets | $25,312,000 | 6,347 |
| Average equity | $2,105,500 | 6,465 |
| Average total loans | $9,937,500 | 6,388 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0746% | 6,098 |
| Cost of funding earning assets | 0.2788% | 5,207 |
| Net interest margin | 2.7958% | 5,919 |
| Noninterest income to average assets | 0.1210% | 6,196 |
| Noninterest expense to average assets | 2.1550% | 5,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6427% | 4,138 |
| Return on assets (ROA) | 0.6427% | 4,239 |
| Pretax return on assets | 0.6956% | 4,656 |
| Return on Equity (ROE) | 8.1744% | 3,005 |
| Retained earnings to average equity (ytd only) | 8.1744% | 1,260 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5968% | 2,708 |
| Assets per employee ($millions) | 5.1104% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 4,565 |
| Loan loss allowance to noncurrent loans | 842.8571% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 6,020 |
| Noncurrent loans to loans | 0.1389% | 5,588 |
| Net loans and leases to total assets | 38.9950% | 5,894 |
| Net loans and leases to deposits | 43.4578% | 6,007 |
| Net loans and leases to core deposits | 44.5856% | 6,042 |
| Total domestic deposits to total assets | 89.7307% | 950 |
| Equity capital to assets | 8.4612% | 5,831 |
| Core capital (leverage) ratio | 8.1203% | 6,006 |
| Tier 1 risk-based capital ratio | 16.3806% | 2,885 |
| Total risk-based capital ratio | 17.2889% | 3,000 |
| Memoranda: | ||
| Average total assets | $26,450,670 | 6,461 |
| Average earning assets | $25,824,330 | 6,399 |
| Average equity | $2,079,670 | 6,527 |
| Average total loans | $10,122,000 | 6,445 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0463% | 6,189 |
| Cost of funding earning assets | 0.2742% | 5,341 |
| Net interest margin | 2.7722% | 5,992 |
| Noninterest income to average assets | 0.1487% | 6,078 |
| Noninterest expense to average assets | 2.1264% | 5,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6691% | 3,844 |
| Return on assets (ROA) | 0.6691% | 3,931 |
| Pretax return on assets | 0.7286% | 4,391 |
| Return on Equity (ROE) | 8.8300% | 2,538 |
| Retained earnings to average equity (ytd only) | 8.8300% | 1,302 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4792% | 3,052 |
| Assets per employee ($millions) | 5.4964% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 4,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 36.6167% | 6,035 |
| Net loans and leases to deposits | 39.7229% | 6,177 |
| Net loans and leases to core deposits | 40.7195% | 6,212 |
| Total domestic deposits to total assets | 92.1803% | 211 |
| Equity capital to assets | 7.5941% | 6,281 |
| Core capital (leverage) ratio | 7.7451% | 6,250 |
| Tier 1 risk-based capital ratio | 16.1735% | 3,069 |
| Total risk-based capital ratio | 17.0875% | 3,216 |
| Memoranda: | ||
| Average total assets | $26,900,000 | 6,522 |
| Average earning assets | $26,261,000 | 6,458 |
| Average equity | $2,038,500 | 6,595 |
| Average total loans | $10,142,000 | 6,514 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0978% | 6,242 |
| Cost of funding earning assets | 0.3710% | 4,941 |
| Net interest margin | 2.7269% | 6,103 |
| Noninterest income to average assets | 0.1450% | 6,217 |
| Noninterest expense to average assets | 2.5177% | 4,712 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1907% | 5,849 |
| Return on assets (ROA) | 0.1907% | 5,916 |
| Pretax return on assets | 0.2632% | 5,818 |
| Return on Equity (ROE) | 2.4127% | 5,702 |
| Retained earnings to average equity (ytd only) | 2.4127% | 4,530 |
| Net charge-offs to loans | 0.0205% | 5,026 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 1,067 |
| Efficiency ratio | 90.5350% | 980 |
| Assets per employee ($millions) | 5.2636% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 4,820 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 6,370 |
| Noncurrent loans to loans | 0.0396% | 6,127 |
| Net loans and leases to total assets | 37.9398% | 6,097 |
| Net loans and leases to deposits | 42.0492% | 6,222 |
| Net loans and leases to core deposits | 42.9999% | 6,268 |
| Total domestic deposits to total assets | 90.2272% | 949 |
| Equity capital to assets | 7.5614% | 6,254 |
| Core capital (leverage) ratio | 7.6268% | 6,331 |
| Tier 1 risk-based capital ratio | 16.1489% | 3,032 |
| Total risk-based capital ratio | 17.0817% | 3,135 |
| Memoranda: | ||
| Average total assets | $26,214,600 | 6,603 |
| Average earning assets | $25,340,200 | 6,543 |
| Average equity | $2,072,400 | 6,674 |
| Average total loans | $9,775,000 | 6,602 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1176% | 6,299 |
| Cost of funding earning assets | 0.3910% | 4,897 |
| Net interest margin | 2.7266% | 6,127 |
| Noninterest income to average assets | 0.1425% | 6,322 |
| Noninterest expense to average assets | 2.1739% | 5,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5244% | 4,691 |
| Return on assets (ROA) | 0.5244% | 4,847 |
| Pretax return on assets | 0.5957% | 5,024 |
| Return on Equity (ROE) | 6.5614% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.5614% | 2,099 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4926% | 2,340 |
| Assets per employee ($millions) | 5.3208% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 4,045 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 6,358 |
| Noncurrent loans to loans | 0.1138% | 5,991 |
| Net loans and leases to total assets | 32.5703% | 6,426 |
| Net loans and leases to deposits | 35.4469% | 6,528 |
| Net loans and leases to core deposits | 36.0366% | 6,558 |
| Total domestic deposits to total assets | 91.8847% | 262 |
| Equity capital to assets | 7.8296% | 6,243 |
| Core capital (leverage) ratio | 7.7529% | 6,355 |
| Tier 1 risk-based capital ratio | 18.0279% | 2,317 |
| Total risk-based capital ratio | 19.0595% | 2,365 |
| Memoranda: | ||
| Average total assets | $26,188,750 | 6,677 |
| Average earning assets | $25,232,500 | 6,622 |
| Average equity | $2,093,000 | 6,753 |
| Average total loans | $9,693,000 | 6,680 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1930% | 6,238 |
| Cost of funding earning assets | 0.4241% | 4,715 |
| Net interest margin | 2.7689% | 6,065 |
| Noninterest income to average assets | 0.1459% | 6,317 |
| Noninterest expense to average assets | 2.1574% | 5,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5758% | 4,417 |
| Return on assets (ROA) | 0.5758% | 4,593 |
| Pretax return on assets | 0.6449% | 4,858 |
| Return on Equity (ROE) | 7.1554% | 3,512 |
| Retained earnings to average equity (ytd only) | 7.1554% | 1,819 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9863% | 2,628 |
| Assets per employee ($millions) | 5.2064% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 4,304 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 6,392 |
| Noncurrent loans to loans | 0.1119% | 6,061 |
| Net loans and leases to total assets | 33.8814% | 6,417 |
| Net loans and leases to deposits | 36.8498% | 6,528 |
| Net loans and leases to core deposits | 37.3967% | 6,558 |
| Total domestic deposits to total assets | 91.9445% | 261 |
| Equity capital to assets | 7.8557% | 6,292 |
| Core capital (leverage) ratio | 8.0587% | 6,141 |
| Tier 1 risk-based capital ratio | 17.8101% | 2,390 |
| Total risk-based capital ratio | 18.8431% | 2,447 |
| Memoranda: | ||
| Average total assets | $26,050,330 | 6,729 |
| Average earning assets | $24,992,000 | 6,677 |
| Average equity | $2,096,330 | 6,804 |
| Average total loans | $9,995,670 | 6,710 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2424% | 6,251 |
| Cost of funding earning assets | 0.4609% | 4,476 |
| Net interest margin | 2.7815% | 6,067 |
| Noninterest income to average assets | 0.1381% | 6,411 |
| Noninterest expense to average assets | 2.1489% | 5,806 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5986% | 4,220 |
| Return on assets (ROA) | 0.5986% | 4,366 |
| Pretax return on assets | 0.6754% | 4,680 |
| Return on Equity (ROE) | 7.3516% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.3516% | 2,001 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0870% | 2,908 |
| Assets per employee ($millions) | 5.3732% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 4,942 |
| Loan loss allowance to noncurrent loans | 1,090.9091% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 6,481 |
| Noncurrent loans to loans | 0.1147% | 6,129 |
| Net loans and leases to total assets | 35.2565% | 6,351 |
| Net loans and leases to deposits | 38.8786% | 6,467 |
| Net loans and leases to core deposits | 39.5111% | 6,502 |
| Total domestic deposits to total assets | 90.6834% | 677 |
| Equity capital to assets | 7.9543% | 6,403 |
| Core capital (leverage) ratio | 7.6981% | 6,354 |
| Tier 1 risk-based capital ratio | 16.4349% | 3,043 |
| Total risk-based capital ratio | 17.4050% | 3,133 |
| Memoranda: | ||
| Average total assets | $26,059,500 | 6,797 |
| Average earning assets | $25,166,500 | 6,741 |
| Average equity | $2,122,000 | 6,866 |
| Average total loans | $10,523,500 | 6,747 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7238% | 6,007 |
| Cost of funding earning assets | 0.7041% | 3,462 |
| Net interest margin | 3.0198% | 6,009 |
| Noninterest income to average assets | 0.1495% | 6,293 |
| Noninterest expense to average assets | 2.8242% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1839% | 5,820 |
| Return on assets (ROA) | 0.2281% | 5,902 |
| Pretax return on assets | 0.3029% | 5,811 |
| Return on Equity (ROE) | 2.4583% | 5,769 |
| Retained earnings to average equity (ytd only) | -10.2568% | 6,647 |
| Net charge-offs to loans | 0.0094% | 5,810 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 580 |
| Efficiency ratio | 92.0513% | 915 |
| Assets per employee ($millions) | 5.0506% | 2,166 |
| Cash dividends to net income (ytd only)* | 517.2414% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 5,771 |
| Loan loss allowance to noncurrent loans | 6,000.0000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 6,672 |
| Noncurrent loans to loans | 0.0175% | 6,497 |
| Net loans and leases to total assets | 44.8858% | 5,741 |
| Net loans and leases to deposits | 50.1549% | 5,942 |
| Net loans and leases to core deposits | 50.9438% | 6,087 |
| Total domestic deposits to total assets | 89.4943% | 1,245 |
| Equity capital to assets | 8.3436% | 6,166 |
| Core capital (leverage) ratio | 7.8903% | 6,286 |
| Tier 1 risk-based capital ratio | 15.3190% | 3,532 |
| Total risk-based capital ratio | 16.2414% | 3,675 |
| Memoranda: | ||
| Average total assets | $25,422,800 | 6,862 |
| Average earning assets | $24,571,400 | 6,801 |
| Average equity | $2,359,400 | 6,908 |
| Average total loans | $10,592,600 | 6,825 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7960% | 6,038 |
| Cost of funding earning assets | 0.7625% | 3,252 |
| Net interest margin | 3.0335% | 6,099 |
| Noninterest income to average assets | 0.1519% | 6,389 |
| Noninterest expense to average assets | 2.2409% | 5,850 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7812% | 3,544 |
| Return on assets (ROA) | 0.8534% | 3,448 |
| Pretax return on assets | 0.9268% | 4,003 |
| Return on Equity (ROE) | 8.9713% | 2,818 |
| Retained earnings to average equity (ytd only) | 8.9713% | 1,240 |
| Net charge-offs to loans | 0.0128% | 5,523 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 162.3985% | 273 |
| Efficiency ratio | 72.5424% | 3,225 |
| Assets per employee ($millions) | 4.9724% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 5,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 38.8786% | 6,358 |
| Net loans and leases to deposits | 44.1551% | 6,494 |
| Net loans and leases to core deposits | 44.1551% | 6,591 |
| Total domestic deposits to total assets | 88.0500% | 2,017 |
| Equity capital to assets | 10.2003% | 4,202 |
| Core capital (leverage) ratio | 9.4237% | 4,383 |
| Tier 1 risk-based capital ratio | 20.7114% | 1,595 |
| Total risk-based capital ratio | 21.7474% | 1,602 |
| Memoranda: | ||
| Average total assets | $25,465,250 | 6,942 |
| Average earning assets | $24,657,250 | 6,882 |
| Average equity | $2,422,500 | 6,986 |
| Average total loans | $10,377,000 | 6,923 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8459% | 6,039 |
| Cost of funding earning assets | 0.8046% | 3,152 |
| Net interest margin | 3.0413% | 6,140 |
| Noninterest income to average assets | 0.1558% | 6,415 |
| Noninterest expense to average assets | 2.1663% | 6,093 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8572% | 3,103 |
| Return on assets (ROA) | 0.8572% | 3,372 |
| Pretax return on assets | 0.9351% | 3,940 |
| Return on Equity (ROE) | 9.2256% | 2,703 |
| Retained earnings to average equity (ytd only) | 9.2256% | 1,202 |
| Net charge-offs to loans | 0.0189% | 5,145 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 366 |
| Efficiency ratio | 69.8492% | 3,792 |
| Assets per employee ($millions) | 5.1968% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 5,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 38.2543% | 6,459 |
| Net loans and leases to deposits | 44.9225% | 6,506 |
| Net loans and leases to core deposits | 46.2283% | 6,560 |
| Total domestic deposits to total assets | 85.1563% | 3,791 |
| Equity capital to assets | 9.4558% | 5,123 |
| Core capital (leverage) ratio | 8.9885% | 4,935 |
| Tier 1 risk-based capital ratio | 19.7391% | 1,775 |
| Total risk-based capital ratio | 20.7492% | 1,816 |
| Memoranda: | ||
| Average total assets | $25,666,330 | 6,995 |
| Average earning assets | $24,857,670 | 6,936 |
| Average equity | $2,384,670 | 7,042 |
| Average total loans | $10,574,000 | 6,977 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 5,766 |
| Cost of funding earning assets | 0.8285% | 3,247 |
| Net interest margin | 3.1678% | 5,853 |
| Noninterest income to average assets | 0.1725% | 6,343 |
| Noninterest expense to average assets | 2.2268% | 5,973 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9252% | 2,811 |
| Return on assets (ROA) | 0.9252% | 3,016 |
| Pretax return on assets | 1.0036% | 3,664 |
| Return on Equity (ROE) | 10.0490% | 2,392 |
| Retained earnings to average equity (ytd only) | 10.0490% | 1,258 |
| Net charge-offs to loans | 0.0369% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 525 |
| Efficiency ratio | 68.9320% | 3,991 |
| Assets per employee ($millions) | 5.2386% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 5,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 38.8081% | 6,435 |
| Net loans and leases to deposits | 45.2703% | 6,477 |
| Net loans and leases to core deposits | 46.5132% | 6,535 |
| Total domestic deposits to total assets | 85.7252% | 3,673 |
| Equity capital to assets | 9.0749% | 5,392 |
| Core capital (leverage) ratio | 8.8667% | 5,039 |
| Tier 1 risk-based capital ratio | 19.0880% | 1,964 |
| Total risk-based capital ratio | 20.0865% | 2,004 |
| Memoranda: | ||
| Average total assets | $25,507,500 | 7,064 |
| Average earning assets | $24,622,500 | 7,000 |
| Average equity | $2,348,500 | 7,100 |
| Average total loans | $10,831,000 | 7,030 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3025% | 5,760 |
| Cost of funding earning assets | 1.0998% | 2,677 |
| Net interest margin | 3.2028% | 6,088 |
| Noninterest income to average assets | 0.1823% | 6,189 |
| Noninterest expense to average assets | 2.9569% | 3,749 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2228% | 5,517 |
| Return on assets (ROA) | 0.2228% | 5,658 |
| Pretax return on assets | 0.3159% | 5,520 |
| Return on Equity (ROE) | 2.3390% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.3390% | 4,555 |
| Net charge-offs to loans | 0.0182% | 6,186 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 689 |
| Efficiency ratio | 90.3465% | 1,157 |
| Assets per employee ($millions) | 4.9644% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 5,947 |
| Loan loss allowance to noncurrent loans | 448.1481% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 6,681 |
| Noncurrent loans to loans | 0.2373% | 6,262 |
| Net loans and leases to total assets | 45.3469% | 6,073 |
| Net loans and leases to deposits | 53.1997% | 6,125 |
| Net loans and leases to core deposits | 54.5402% | 6,260 |
| Total domestic deposits to total assets | 85.2389% | 3,726 |
| Equity capital to assets | 9.3465% | 5,094 |
| Core capital (leverage) ratio | 8.9911% | 4,804 |
| Tier 1 risk-based capital ratio | 17.7550% | 2,280 |
| Total risk-based capital ratio | 18.7162% | 2,360 |
| Memoranda: | ||
| Average total assets | $24,688,200 | 7,114 |
| Average earning assets | $23,823,200 | 7,051 |
| Average equity | $2,351,400 | 7,152 |
| Average total loans | $10,974,400 | 7,083 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 5,819 |
| Cost of funding earning assets | 1.1603% | 2,569 |
| Net interest margin | 3.1783% | 6,207 |
| Noninterest income to average assets | 0.1893% | 6,242 |
| Noninterest expense to average assets | 2.4119% | 5,733 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7517% | 3,373 |
| Return on assets (ROA) | 0.7517% | 3,537 |
| Pretax return on assets | 0.8437% | 3,969 |
| Return on Equity (ROE) | 7.8555% | 3,104 |
| Retained earnings to average equity (ytd only) | 7.8555% | 1,561 |
| Net charge-offs to loans | 0.0246% | 5,800 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 77.8989% | 448 |
| Efficiency ratio | 74.0864% | 3,165 |
| Assets per employee ($millions) | 4.8972% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 5,807 |
| Loan loss allowance to noncurrent loans | 550.0000% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 6,832 |
| Noncurrent loans to loans | 0.2039% | 6,466 |
| Net loans and leases to total assets | 43.5800% | 6,372 |
| Net loans and leases to deposits | 51.6806% | 6,393 |
| Net loans and leases to core deposits | 51.6806% | 6,584 |
| Total domestic deposits to total assets | 84.3257% | 4,088 |
| Equity capital to assets | 9.9118% | 4,465 |
| Core capital (leverage) ratio | 9.2734% | 4,498 |
| Tier 1 risk-based capital ratio | 18.9322% | 1,960 |
| Total risk-based capital ratio | 19.9200% | 1,996 |
| Memoranda: | ||
| Average total assets | $24,654,750 | 7,183 |
| Average earning assets | $23,785,500 | 7,123 |
| Average equity | $2,359,250 | 7,219 |
| Average total loans | $10,873,750 | 7,157 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3644% | 5,807 |
| Cost of funding earning assets | 1.2757% | 2,085 |
| Net interest margin | 3.0886% | 6,430 |
| Noninterest income to average assets | 0.1862% | 6,332 |
| Noninterest expense to average assets | 2.5090% | 5,498 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5665% | 4,230 |
| Return on assets (ROA) | 0.5665% | 4,353 |
| Pretax return on assets | 0.6556% | 4,551 |
| Return on Equity (ROE) | 5.9914% | 3,977 |
| Retained earnings to average equity (ytd only) | 5.9914% | 2,438 |
| Net charge-offs to loans | 0.0367% | 5,337 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 735 |
| Efficiency ratio | 79.2839% | 2,508 |
| Assets per employee ($millions) | 4.9308% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 5,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 41.4983% | 6,629 |
| Net loans and leases to deposits | 49.0178% | 6,664 |
| Net loans and leases to core deposits | 49.9756% | 6,759 |
| Total domestic deposits to total assets | 84.6597% | 4,047 |
| Equity capital to assets | 9.5847% | 4,680 |
| Core capital (leverage) ratio | 9.1348% | 4,514 |
| Tier 1 risk-based capital ratio | 19.4016% | 1,739 |
| Total risk-based capital ratio | 20.4449% | 1,754 |
| Memoranda: | ||
| Average total assets | $24,711,000 | 7,248 |
| Average earning assets | $23,829,330 | 7,181 |
| Average equity | $2,336,670 | 7,281 |
| Average total loans | $10,901,000 | 7,224 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 5,594 |
| Cost of funding earning assets | 1.5763% | 894 |
| Net interest margin | 2.8507% | 6,830 |
| Noninterest income to average assets | 0.2102% | 6,234 |
| Noninterest expense to average assets | 2.4899% | 5,585 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3719% | 5,067 |
| Return on assets (ROA) | 0.3719% | 5,150 |
| Pretax return on assets | 0.4689% | 5,125 |
| Return on Equity (ROE) | 3.9595% | 4,926 |
| Retained earnings to average equity (ytd only) | 3.9595% | 3,798 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1530% | 1,943 |
| Assets per employee ($millions) | 4.9530% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 5,813 |
| Loan loss allowance to noncurrent loans | 198.3871% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 6,557 |
| Noncurrent loans to loans | 0.5834% | 5,859 |
| Net loans and leases to total assets | 42.4147% | 6,583 |
| Net loans and leases to deposits | 49.9762% | 6,626 |
| Net loans and leases to core deposits | 51.3191% | 6,715 |
| Total domestic deposits to total assets | 84.8698% | 4,097 |
| Equity capital to assets | 9.4569% | 4,494 |
| Core capital (leverage) ratio | 8.8011% | 4,929 |
| Tier 1 risk-based capital ratio | 18.6742% | 1,905 |
| Total risk-based capital ratio | 19.7169% | 1,922 |
| Memoranda: | ||
| Average total assets | $24,739,500 | 7,296 |
| Average earning assets | $23,854,000 | 7,233 |
| Average equity | $2,323,500 | 7,333 |
| Average total loans | $11,175,500 | 7,264 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 5,049 |
| Cost of funding earning assets | 1.3800% | 3,393 |
| Net interest margin | 3.5170% | 5,179 |
| Noninterest income to average assets | 0.2087% | 6,307 |
| Noninterest expense to average assets | 3.1913% | 3,128 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3011% | 4,937 |
| Return on assets (ROA) | 0.3011% | 5,105 |
| Pretax return on assets | 0.3934% | 4,968 |
| Return on Equity (ROE) | 3.1907% | 4,875 |
| Retained earnings to average equity (ytd only) | 3.1907% | 3,634 |
| Net charge-offs to loans | -0.0166% | 7,352 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0258% | 1,395 |
| Assets per employee ($millions) | 4.9428% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 6,154 |
| Loan loss allowance to noncurrent loans | 159.7403% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 6,465 |
| Noncurrent loans to loans | 0.6568% | 5,741 |
| Net loans and leases to total assets | 46.9410% | 6,482 |
| Net loans and leases to deposits | 57.9847% | 6,257 |
| Net loans and leases to core deposits | 59.6238% | 6,423 |
| Total domestic deposits to total assets | 80.9541% | 5,538 |
| Equity capital to assets | 9.3267% | 4,653 |
| Core capital (leverage) ratio | 8.7019% | 5,017 |
| Tier 1 risk-based capital ratio | 16.9571% | 2,359 |
| Total risk-based capital ratio | 17.9138% | 2,438 |
| Memoranda: | ||
| Average total assets | $24,911,200 | 7,348 |
| Average earning assets | $23,912,600 | 7,289 |
| Average equity | $2,350,600 | 7,437 |
| Average total loans | $12,054,000 | 7,303 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 5,009 |
| Cost of funding earning assets | 1.4035% | 3,559 |
| Net interest margin | 3.5534% | 5,095 |
| Noninterest income to average assets | 0.2030% | 6,446 |
| Noninterest expense to average assets | 2.4465% | 5,902 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0737% | 1,993 |
| Return on assets (ROA) | 1.0737% | 2,103 |
| Pretax return on assets | 1.1645% | 2,622 |
| Return on Equity (ROE) | 11.3459% | 1,686 |
| Retained earnings to average equity (ytd only) | 11.3459% | 550 |
| Net charge-offs to loans | -0.0220% | 7,366 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7515% | 4,516 |
| Assets per employee ($millions) | 4.8666% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 6,100 |
| Loan loss allowance to noncurrent loans | 198.3871% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 6,730 |
| Noncurrent loans to loans | 0.5363% | 6,133 |
| Net loans and leases to total assets | 47.0061% | 6,608 |
| Net loans and leases to deposits | 58.9162% | 6,386 |
| Net loans and leases to core deposits | 59.8441% | 6,621 |
| Total domestic deposits to total assets | 79.7847% | 5,779 |
| Equity capital to assets | 10.0851% | 4,048 |
| Core capital (leverage) ratio | 9.3003% | 4,211 |
| Tier 1 risk-based capital ratio | 18.3365% | 1,925 |
| Total risk-based capital ratio | 19.3146% | 1,969 |
| Memoranda: | ||
| Average total assets | $24,960,500 | 7,441 |
| Average earning assets | $23,939,250 | 7,380 |
| Average equity | $2,362,000 | 7,530 |
| Average total loans | $12,136,500 | 7,393 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0420% | 4,736 |
| Cost of funding earning assets | 1.4264% | 3,706 |
| Net interest margin | 3.6157% | 4,750 |
| Noninterest income to average assets | 0.1987% | 6,483 |
| Noninterest expense to average assets | 2.2805% | 6,402 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2952% | 1,320 |
| Return on assets (ROA) | 1.2952% | 1,381 |
| Pretax return on assets | 1.3826% | 1,878 |
| Return on Equity (ROE) | 13.9834% | 1,043 |
| Retained earnings to average equity (ytd only) | 13.9834% | 309 |
| Net charge-offs to loans | -0.0324% | 7,366 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2560% | 5,646 |
| Assets per employee ($millions) | 4.9542% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 6,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 46.3405% | 6,759 |
| Net loans and leases to deposits | 57.7095% | 6,594 |
| Net loans and leases to core deposits | 61.1040% | 6,628 |
| Total domestic deposits to total assets | 80.2995% | 5,636 |
| Equity capital to assets | 9.7776% | 4,303 |
| Core capital (leverage) ratio | 9.0387% | 4,549 |
| Tier 1 risk-based capital ratio | 17.9048% | 1,984 |
| Total risk-based capital ratio | 18.8758% | 2,034 |
| Memoranda: | ||
| Average total assets | $25,169,670 | 7,491 |
| Average earning assets | $24,117,330 | 7,434 |
| Average equity | $2,331,330 | 7,594 |
| Average total loans | $12,328,330 | 7,436 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1624% | 4,233 |
| Cost of funding earning assets | 1.4514% | 3,867 |
| Net interest margin | 3.7110% | 4,185 |
| Noninterest income to average assets | 0.2050% | 6,499 |
| Noninterest expense to average assets | 2.2547% | 6,526 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4033% | 1,068 |
| Return on assets (ROA) | 1.4033% | 1,140 |
| Pretax return on assets | 1.4979% | 1,526 |
| Return on Equity (ROE) | 15.5731% | 790 |
| Retained earnings to average equity (ytd only) | 15.5731% | 371 |
| Net charge-offs to loans | -0.0630% | 7,414 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0840% | 6,157 |
| Assets per employee ($millions) | 5.0842% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 6,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 46.9415% | 6,757 |
| Net loans and leases to deposits | 58.4407% | 6,596 |
| Net loans and leases to core deposits | 61.9285% | 6,608 |
| Total domestic deposits to total assets | 80.3234% | 5,679 |
| Equity capital to assets | 9.1578% | 5,051 |
| Core capital (leverage) ratio | 8.6351% | 5,147 |
| Tier 1 risk-based capital ratio | 16.8458% | 2,324 |
| Total risk-based capital ratio | 17.7902% | 2,384 |
| Memoranda: | ||
| Average total assets | $25,369,000 | 7,580 |
| Average earning assets | $24,252,500 | 7,527 |
| Average equity | $2,286,000 | 7,693 |
| Average total loans | $12,691,500 | 7,516 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1752% | 5,761 |
| Cost of funding earning assets | 1.6852% | 4,592 |
| Net interest margin | 3.4901% | 5,005 |
| Noninterest income to average assets | 0.1826% | 6,784 |
| Noninterest expense to average assets | 3.1233% | 3,639 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3453% | 4,345 |
| Return on assets (ROA) | 0.3453% | 4,437 |
| Pretax return on assets | 0.4127% | 4,459 |
| Return on Equity (ROE) | 3.8598% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.8598% | 2,506 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3277% | 1,853 |
| Assets per employee ($millions) | 5.0634% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 6,780 |
| Loan loss allowance to noncurrent loans | 192.0635% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 6,833 |
| Noncurrent loans to loans | 0.4727% | 6,307 |
| Net loans and leases to total assets | 52.1626% | 6,406 |
| Net loans and leases to deposits | 67.1958% | 5,922 |
| Net loans and leases to core deposits | 73.8797% | 6,540 |
| Total domestic deposits to total assets | 77.6277% | 6,316 |
| Equity capital to assets | 8.8636% | 5,335 |
| Core capital (leverage) ratio | 8.4072% | 5,422 |
| Tier 1 risk-based capital ratio | 15.0658% | 2,908 |
| Total risk-based capital ratio | 15.9319% | 3,070 |
| Memoranda: | ||
| Average total assets | $25,197,800 | 7,634 |
| Average earning assets | $24,211,400 | 7,572 |
| Average equity | $2,254,000 | 7,788 |
| Average total loans | $12,785,800 | 7,561 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1741% | 5,990 |
| Cost of funding earning assets | 1.7265% | 4,766 |
| Net interest margin | 3.4475% | 5,081 |
| Noninterest income to average assets | 0.1801% | 6,936 |
| Noninterest expense to average assets | 2.4157% | 6,365 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0066% | 2,030 |
| Return on assets (ROA) | 1.0066% | 2,094 |
| Pretax return on assets | 1.0754% | 2,653 |
| Return on Equity (ROE) | 11.2267% | 1,563 |
| Retained earnings to average equity (ytd only) | 11.2267% | 447 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1958% | 4,747 |
| Assets per employee ($millions) | 4.9424% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 6,182 |
| Loan loss allowance to noncurrent loans | 465.3846% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 7,287 |
| Noncurrent loans to loans | 0.2184% | 6,953 |
| Net loans and leases to total assets | 47.6894% | 6,980 |
| Net loans and leases to deposits | 60.1276% | 6,822 |
| Net loans and leases to core deposits | 70.4929% | 6,940 |
| Total domestic deposits to total assets | 79.3137% | 5,690 |
| Equity capital to assets | 9.6148% | 4,603 |
| Core capital (leverage) ratio | 8.5464% | 5,412 |
| Tier 1 risk-based capital ratio | 17.3745% | 2,155 |
| Total risk-based capital ratio | 18.3263% | 2,203 |
| Memoranda: | ||
| Average total assets | $25,168,000 | 7,709 |
| Average earning assets | $24,171,250 | 7,641 |
| Average equity | $2,256,500 | 7,867 |
| Average total loans | $12,650,500 | 7,638 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 6,365 |
| Cost of funding earning assets | 1.7275% | 5,137 |
| Net interest margin | 3.3892% | 5,215 |
| Noninterest income to average assets | 0.1738% | 7,051 |
| Noninterest expense to average assets | 2.4171% | 6,411 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9400% | 2,310 |
| Return on assets (ROA) | 0.9400% | 2,405 |
| Pretax return on assets | 1.0111% | 2,968 |
| Return on Equity (ROE) | 10.7368% | 1,774 |
| Retained earnings to average equity (ytd only) | 10.7368% | 602 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5069% | 4,680 |
| Assets per employee ($millions) | 5.2104% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 6,416 |
| Loan loss allowance to noncurrent loans | 281.3953% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 7,136 |
| Noncurrent loans to loans | 0.3467% | 6,648 |
| Net loans and leases to total assets | 47.1442% | 7,112 |
| Net loans and leases to deposits | 58.3163% | 7,000 |
| Net loans and leases to core deposits | 68.6452% | 7,092 |
| Total domestic deposits to total assets | 80.8422% | 5,130 |
| Equity capital to assets | 8.7210% | 5,723 |
| Core capital (leverage) ratio | 8.4015% | 5,617 |
| Tier 1 risk-based capital ratio | 15.9561% | 2,639 |
| Total risk-based capital ratio | 16.8596% | 2,697 |
| Memoranda: | ||
| Average total assets | $25,320,000 | 7,780 |
| Average earning assets | $24,312,330 | 7,711 |
| Average equity | $2,216,670 | 7,955 |
| Average total loans | $12,898,670 | 7,705 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2871% | 5,947 |
| Cost of funding earning assets | 1.7792% | 5,215 |
| Net interest margin | 3.5080% | 4,697 |
| Noninterest income to average assets | 0.1924% | 6,920 |
| Noninterest expense to average assets | 2.2281% | 6,774 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2503% | 1,507 |
| Return on assets (ROA) | 1.2503% | 1,612 |
| Pretax return on assets | 1.3144% | 2,234 |
| Return on Equity (ROE) | 14.2531% | 1,118 |
| Retained earnings to average equity (ytd only) | 14.2531% | 495 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8959% | 5,892 |
| Assets per employee ($millions) | 5.0244% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 6,460 |
| Loan loss allowance to noncurrent loans | 465.3846% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 7,276 |
| Noncurrent loans to loans | 0.2053% | 6,945 |
| Net loans and leases to total assets | 49.9283% | 6,871 |
| Net loans and leases to deposits | 62.7244% | 6,675 |
| Net loans and leases to core deposits | 72.9456% | 6,867 |
| Total domestic deposits to total assets | 79.5996% | 5,505 |
| Equity capital to assets | 8.7971% | 5,629 |
| Core capital (leverage) ratio | 8.5859% | 5,366 |
| Tier 1 risk-based capital ratio | 15.8824% | 2,730 |
| Total risk-based capital ratio | 16.7993% | 2,767 |
| Memoranda: | ||
| Average total assets | $24,954,000 | 7,833 |
| Average earning assets | $23,831,500 | 7,777 |
| Average equity | $2,189,000 | 8,016 |
| Average total loans | $13,146,500 | 7,738 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7313% | 6,674 |
| Cost of funding earning assets | 2.2375% | 5,427 |
| Net interest margin | 3.4938% | 5,315 |
| Noninterest income to average assets | 0.1960% | 7,049 |
| Noninterest expense to average assets | 3.1698% | 3,446 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2982% | 5,553 |
| Return on assets (ROA) | 0.2982% | 5,362 |
| Pretax return on assets | 0.3792% | 5,316 |
| Return on Equity (ROE) | 3.2735% | 5,129 |
| Retained earnings to average equity (ytd only) | 0.4676% | 4,961 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3157% | 1,572 |
| Assets per employee ($millions) | 4.9572% | 1,986 |
| Cash dividends to net income (ytd only)* | 85.7143% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 6,743 |
| Loan loss allowance to noncurrent loans | 318.4211% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 6,958 |
| Noncurrent loans to loans | 0.2788% | 6,535 |
| Net loans and leases to total assets | 54.4985% | 6,600 |
| Net loans and leases to deposits | 68.7990% | 6,388 |
| Net loans and leases to core deposits | 79.5056% | 6,648 |
| Total domestic deposits to total assets | 79.2141% | 5,292 |
| Equity capital to assets | 8.7469% | 5,736 |
| Core capital (leverage) ratio | 8.4534% | 5,647 |
| Tier 1 risk-based capital ratio | 14.7256% | 3,191 |
| Total risk-based capital ratio | 15.6086% | 3,279 |
| Memoranda: | ||
| Average total assets | $23,471,400 | 7,893 |
| Average earning assets | $22,525,600 | 7,840 |
| Average equity | $2,138,400 | 8,090 |
| Average total loans | $13,245,400 | 7,758 |