Home > Horizon State Bank > Performance and Condition Ratios
Horizon State Bank, Performance and Condition Ratios
| 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 | 4.3776% | 2,492 |
| Cost of funding earning assets | 0.1755% | 5,126 |
| Net interest margin | 4.2021% | 1,289 |
| Noninterest income to average assets | 1.1534% | 726 |
| Noninterest expense to average assets | 3.3430% | 1,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6941% | 725 |
| Return on assets (ROA) | 1.6941% | 733 |
| Pretax return on assets | 1.6941% | 1,227 |
| Return on Equity (ROE) | 15.1858% | 818 |
| Retained earnings to average equity (ytd only) | 15.1858% | 191 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3685% | 2,918 |
| Assets per employee ($millions) | 4.3360% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 3,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 59.6956% | 3,837 |
| Net loans and leases to deposits | 69.2456% | 3,921 |
| Net loans and leases to core deposits | 69.2456% | 4,189 |
| Total domestic deposits to total assets | 86.2085% | 2,186 |
| Equity capital to assets | 13.7546% | 1,010 |
| Core capital (leverage) ratio | 12.3088% | 1,533 |
| Tier 1 risk-based capital ratio | 22.2384% | 1,010 |
| Total risk-based capital ratio | 23.4379% | 997 |
| Memoranda: | ||
| Average total assets | $22,195,330 | 5,457 |
| Average earning assets | $20,513,670 | 5,441 |
| Average equity | $2,476,000 | 5,451 |
| Average total loans | $13,049,330 | 5,358 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1218% | 3,156 |
| Cost of funding earning assets | 0.1725% | 5,151 |
| Net interest margin | 3.9493% | 1,870 |
| Noninterest income to average assets | 1.4608% | 444 |
| Noninterest expense to average assets | 4.0974% | 468 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0333% | 2,722 |
| Return on assets (ROA) | 1.0333% | 2,740 |
| Pretax return on assets | 1.0333% | 3,419 |
| Return on Equity (ROE) | 10.4363% | 2,208 |
| Retained earnings to average equity (ytd only) | 10.4363% | 1,034 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8611% | 1,156 |
| Assets per employee ($millions) | 3.4703% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 2,880 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 53.1945% | 4,353 |
| Net loans and leases to deposits | 60.2930% | 4,451 |
| Net loans and leases to core deposits | 60.2930% | 4,635 |
| Total domestic deposits to total assets | 88.2266% | 1,491 |
| Equity capital to assets | 11.7405% | 1,959 |
| Core capital (leverage) ratio | 12.4714% | 1,402 |
| Tier 1 risk-based capital ratio | 21.2279% | 1,171 |
| Total risk-based capital ratio | 22.4298% | 1,147 |
| Memoranda: | ||
| Average total assets | $22,453,000 | 5,516 |
| Average earning assets | $20,864,500 | 5,497 |
| Average equity | $2,223,000 | 5,529 |
| Average total loans | $13,029,000 | 5,422 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6710% | 1,256 |
| Cost of funding earning assets | 0.1963% | 4,976 |
| Net interest margin | 4.4747% | 653 |
| Noninterest income to average assets | 0.8825% | 1,319 |
| Noninterest expense to average assets | 4.5099% | 313 |
| Loan and lease loss provision to assets | 0.0098% | 4,082 |
| Net operating income to assets | 0.5851% | 4,080 |
| Return on assets (ROA) | 0.5851% | 4,117 |
| Pretax return on assets | 0.5851% | 4,771 |
| Return on Equity (ROE) | 7.4813% | 3,043 |
| Retained earnings to average equity (ytd only) | 1.4963% | 4,404 |
| Net charge-offs to loans | 0.1405% | 1,665 |
| Credit loss provision to net charge-offs | 10.5263% | 3,663 |
| Earnings coverage of net charge-offs (x) | 6.4211% | 3,181 |
| Efficiency ratio | 88.3477% | 511 |
| Assets per employee ($millions) | 2.5768% | 5,425 |
| Cash dividends to net income (ytd only)* | 80.0000% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 3,120 |
| Loan loss allowance to noncurrent loans | 58.4980% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.8094% | 684 |
| Noncurrent loans to loans | 1.9480% | 793 |
| Net loans and leases to total assets | 62.2878% | 3,583 |
| Net loans and leases to deposits | 67.5292% | 4,058 |
| Net loans and leases to core deposits | 67.5292% | 4,327 |
| Total domestic deposits to total assets | 92.2383% | 65 |
| Equity capital to assets | 7.7326% | 5,475 |
| Core capital (leverage) ratio | 7.6594% | 5,528 |
| Tier 1 risk-based capital ratio | 13.8399% | 3,451 |
| Total risk-based capital ratio | 15.0917% | 3,358 |
| Memoranda: | ||
| Average total assets | $20,510,600 | 5,599 |
| Average earning assets | $19,353,400 | 5,572 |
| Average equity | $1,604,000 | 5,637 |
| Average total loans | $13,525,000 | 5,478 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 1,158 |
| Cost of funding earning assets | 0.2067% | 4,919 |
| Net interest margin | 4.4848% | 622 |
| Noninterest income to average assets | 0.8852% | 1,319 |
| Noninterest expense to average assets | 4.4194% | 336 |
| Loan and lease loss provision to assets | 0.0130% | 3,885 |
| Net operating income to assets | 0.6899% | 4,026 |
| Return on assets (ROA) | 0.6899% | 4,096 |
| Pretax return on assets | 0.6899% | 4,633 |
| Return on Equity (ROE) | 8.7974% | 2,728 |
| Retained earnings to average equity (ytd only) | 1.6601% | 4,764 |
| Net charge-offs to loans | 0.1854% | 1,133 |
| Credit loss provision to net charge-offs | 10.5263% | 3,219 |
| Earnings coverage of net charge-offs (x) | 5.6850% | 3,070 |
| Efficiency ratio | 86.2770% | 617 |
| Assets per employee ($millions) | 2.5215% | 5,516 |
| Cash dividends to net income (ytd only)* | 81.1293% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 3,588 |
| Loan loss allowance to noncurrent loans | 47.5884% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 2.1366% | 586 |
| Noncurrent loans to loans | 2.2742% | 702 |
| Net loans and leases to total assets | 67.0583% | 2,975 |
| Net loans and leases to deposits | 72.9376% | 3,675 |
| Net loans and leases to core deposits | 72.9376% | 4,069 |
| Total domestic deposits to total assets | 91.9393% | 64 |
| Equity capital to assets | 7.8921% | 5,545 |
| Core capital (leverage) ratio | 7.8257% | 5,565 |
| Tier 1 risk-based capital ratio | 13.1348% | 3,919 |
| Total risk-based capital ratio | 14.3590% | 3,843 |
| Memoranda: | ||
| Average total assets | $20,484,750 | 5,665 |
| Average earning assets | $19,353,750 | 5,640 |
| Average equity | $1,606,500 | 5,704 |
| Average total loans | $13,659,250 | 5,535 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6944% | 1,069 |
| Cost of funding earning assets | 0.2059% | 4,918 |
| Net interest margin | 4.4885% | 577 |
| Noninterest income to average assets | 0.9325% | 1,176 |
| Noninterest expense to average assets | 4.3033% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8645% | 3,101 |
| Return on assets (ROA) | 0.8645% | 3,156 |
| Pretax return on assets | 0.8645% | 4,063 |
| Return on Equity (ROE) | 11.0468% | 1,627 |
| Retained earnings to average equity (ytd only) | 11.0468% | 433 |
| Net charge-offs to loans | 0.2637% | 778 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.9444% | 2,874 |
| Efficiency ratio | 83.2707% | 903 |
| Assets per employee ($millions) | 1.8775% | 5,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 3,573 |
| Loan loss allowance to noncurrent loans | 43.7500% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 2.2079% | 537 |
| Noncurrent loans to loans | 2.5189% | 590 |
| Net loans and leases to total assets | 63.8745% | 3,403 |
| Net loans and leases to deposits | 69.5450% | 3,942 |
| Net loans and leases to core deposits | 69.5450% | 4,257 |
| Total domestic deposits to total assets | 91.8462% | 85 |
| Equity capital to assets | 8.0424% | 5,519 |
| Core capital (leverage) ratio | 7.9602% | 5,549 |
| Tier 1 risk-based capital ratio | 12.6963% | 4,183 |
| Total risk-based capital ratio | 13.8150% | 4,165 |
| Memoranda: | ||
| Average total assets | $20,589,000 | 5,712 |
| Average earning assets | $19,427,330 | 5,691 |
| Average equity | $1,611,330 | 5,756 |
| Average total loans | $13,654,000 | 5,582 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5828% | 1,181 |
| Cost of funding earning assets | 0.2064% | 4,918 |
| Net interest margin | 4.3763% | 665 |
| Noninterest income to average assets | 0.8756% | 1,318 |
| Noninterest expense to average assets | 4.4364% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5643% | 4,311 |
| Return on assets (ROA) | 0.5643% | 4,355 |
| Pretax return on assets | 0.5643% | 4,808 |
| Return on Equity (ROE) | 7.3117% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.3117% | 1,742 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7160% | 620 |
| Assets per employee ($millions) | 1.8978% | 5,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 3,150 |
| Loan loss allowance to noncurrent loans | 35.9477% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 2.8933% | 356 |
| Noncurrent loans to loans | 3.3297% | 377 |
| Net loans and leases to total assets | 65.2424% | 3,084 |
| Net loans and leases to deposits | 70.7239% | 3,723 |
| Net loans and leases to core deposits | 70.7239% | 4,093 |
| Total domestic deposits to total assets | 92.2495% | 83 |
| Equity capital to assets | 7.6691% | 5,639 |
| Core capital (leverage) ratio | 7.8946% | 5,597 |
| Tier 1 risk-based capital ratio | 11.9001% | 4,780 |
| Total risk-based capital ratio | 13.1297% | 4,697 |
| Memoranda: | ||
| Average total assets | $20,557,000 | 5,780 |
| Average earning assets | $19,377,000 | 5,759 |
| Average equity | $1,586,500 | 5,822 |
| Average total loans | $13,811,500 | 5,641 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5870% | 1,309 |
| Cost of funding earning assets | 0.2363% | 4,688 |
| Net interest margin | 4.3507% | 851 |
| Noninterest income to average assets | 1.0132% | 1,108 |
| Noninterest expense to average assets | 4.5714% | 351 |
| Loan and lease loss provision to assets | 0.0970% | 2,430 |
| Net operating income to assets | 0.4508% | 4,796 |
| Return on assets (ROA) | 0.4508% | 4,873 |
| Pretax return on assets | 0.4508% | 5,117 |
| Return on Equity (ROE) | 6.0602% | 3,955 |
| Retained earnings to average equity (ytd only) | 4.3660% | 2,795 |
| Net charge-offs to loans | 0.0685% | 2,718 |
| Credit loss provision to net charge-offs | 222.2222% | 1,288 |
| Earnings coverage of net charge-offs (x) | 12.5556% | 2,439 |
| Efficiency ratio | 89.2992% | 597 |
| Assets per employee ($millions) | 1.8398% | 5,813 |
| Cash dividends to net income (ytd only)* | 27.9570% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 3,167 |
| Loan loss allowance to noncurrent loans | 54.4554% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 2.2137% | 590 |
| Noncurrent loans to loans | 2.1896% | 781 |
| Net loans and leases to total assets | 67.5610% | 2,840 |
| Net loans and leases to deposits | 73.5108% | 3,563 |
| Net loans and leases to core deposits | 73.5108% | 3,960 |
| Total domestic deposits to total assets | 91.9063% | 113 |
| Equity capital to assets | 7.7676% | 5,647 |
| Core capital (leverage) ratio | 7.6398% | 5,717 |
| Tier 1 risk-based capital ratio | 11.7992% | 4,863 |
| Total risk-based capital ratio | 13.0409% | 4,765 |
| Memoranda: | ||
| Average total assets | $20,628,200 | 5,834 |
| Average earning assets | $19,468,000 | 5,811 |
| Average equity | $1,534,600 | 5,887 |
| Average total loans | $13,143,000 | 5,709 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5187% | 1,482 |
| Cost of funding earning assets | 0.2450% | 4,652 |
| Net interest margin | 4.2737% | 973 |
| Noninterest income to average assets | 1.0291% | 1,082 |
| Noninterest expense to average assets | 4.6242% | 340 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4438% | 4,893 |
| Return on assets (ROA) | 0.4438% | 4,974 |
| Pretax return on assets | 0.4438% | 5,238 |
| Return on Equity (ROE) | 6.0121% | 4,056 |
| Retained earnings to average equity (ytd only) | 3.7464% | 3,640 |
| Net charge-offs to loans | 0.0925% | 2,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,854 |
| Efficiency ratio | 91.2437% | 499 |
| Assets per employee ($millions) | 1.8585% | 5,878 |
| Cash dividends to net income (ytd only)* | 37.6848% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 4,162 |
| Loan loss allowance to noncurrent loans | 48.1848% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 2.1915% | 674 |
| Noncurrent loans to loans | 2.1665% | 870 |
| Net loans and leases to total assets | 67.7004% | 2,836 |
| Net loans and leases to deposits | 77.2106% | 3,267 |
| Net loans and leases to core deposits | 77.2106% | 3,731 |
| Total domestic deposits to total assets | 87.6828% | 1,567 |
| Equity capital to assets | 7.5772% | 5,836 |
| Core capital (leverage) ratio | 7.5409% | 5,824 |
| Tier 1 risk-based capital ratio | 12.2940% | 4,614 |
| Total risk-based capital ratio | 13.4565% | 4,562 |
| Memoranda: | ||
| Average total assets | $20,730,750 | 5,894 |
| Average earning assets | $19,592,000 | 5,869 |
| Average equity | $1,530,250 | 5,953 |
| Average total loans | $12,969,250 | 5,772 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 1,610 |
| Cost of funding earning assets | 0.2336% | 4,815 |
| Net interest margin | 4.2361% | 1,044 |
| Noninterest income to average assets | 0.8835% | 1,428 |
| Noninterest expense to average assets | 4.5519% | 368 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3361% | 5,223 |
| Return on assets (ROA) | 0.3361% | 5,305 |
| Pretax return on assets | 0.3361% | 5,443 |
| Return on Equity (ROE) | 4.5932% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.5932% | 2,981 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1238% | 443 |
| Assets per employee ($millions) | 1.9081% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 3,626 |
| Loan loss allowance to noncurrent loans | 301.9608% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.9338% | 2,285 |
| Noncurrent loans to loans | 0.3817% | 3,994 |
| Net loans and leases to total assets | 62.9330% | 3,511 |
| Net loans and leases to deposits | 72.0347% | 3,784 |
| Net loans and leases to core deposits | 72.0347% | 4,178 |
| Total domestic deposits to total assets | 87.3648% | 1,730 |
| Equity capital to assets | 7.3515% | 5,935 |
| Core capital (leverage) ratio | 7.3669% | 5,905 |
| Tier 1 risk-based capital ratio | 12.6119% | 4,439 |
| Total risk-based capital ratio | 13.8599% | 4,347 |
| Memoranda: | ||
| Average total assets | $20,826,670 | 5,968 |
| Average earning assets | $19,688,000 | 5,943 |
| Average equity | $1,524,000 | 6,029 |
| Average total loans | $12,630,330 | 5,852 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7104% | 1,028 |
| Cost of funding earning assets | 0.2243% | 4,956 |
| Net interest margin | 4.4861% | 621 |
| Noninterest income to average assets | 0.8484% | 1,450 |
| Noninterest expense to average assets | 4.6854% | 341 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4049% | 4,978 |
| Return on assets (ROA) | 0.4049% | 5,058 |
| Pretax return on assets | 0.4049% | 5,302 |
| Return on Equity (ROE) | 5.5464% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.5464% | 2,612 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0455% | 542 |
| Assets per employee ($millions) | 1.8755% | 6,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 3,029 |
| Loan loss allowance to noncurrent loans | 265.5172% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.9840% | 2,249 |
| Noncurrent loans to loans | 0.4801% | 3,742 |
| Net loans and leases to total assets | 57.8090% | 4,064 |
| Net loans and leases to deposits | 62.4921% | 4,546 |
| Net loans and leases to core deposits | 62.4921% | 4,785 |
| Total domestic deposits to total assets | 92.5061% | 64 |
| Equity capital to assets | 7.3921% | 5,966 |
| Core capital (leverage) ratio | 7.4119% | 5,943 |
| Tier 1 risk-based capital ratio | 13.6633% | 3,893 |
| Total risk-based capital ratio | 14.9120% | 3,819 |
| Memoranda: | ||
| Average total assets | $20,745,500 | 6,028 |
| Average earning assets | $19,616,000 | 6,006 |
| Average equity | $1,514,500 | 6,090 |
| Average total loans | $12,264,000 | 5,916 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1689% | 2,673 |
| Cost of funding earning assets | 0.2458% | 4,826 |
| Net interest margin | 3.9231% | 1,954 |
| Noninterest income to average assets | 0.9153% | 1,395 |
| Noninterest expense to average assets | 4.2055% | 537 |
| Loan and lease loss provision to assets | 0.0578% | 3,159 |
| Net operating income to assets | 0.3420% | 5,235 |
| Return on assets (ROA) | 0.3420% | 5,327 |
| Pretax return on assets | 0.3420% | 5,435 |
| Return on Equity (ROE) | 4.9519% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.9519% | 2,454 |
| Net charge-offs to loans | 0.0089% | 4,141 |
| Credit loss provision to net charge-offs | 1,200.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 680 |
| Efficiency ratio | 91.3180% | 610 |
| Assets per employee ($millions) | 1.8965% | 6,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 3,264 |
| Loan loss allowance to noncurrent loans | 40.2089% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 2.5310% | 611 |
| Noncurrent loans to loans | 3.0768% | 509 |
| Net loans and leases to total assets | 58.9329% | 3,980 |
| Net loans and leases to deposits | 64.8110% | 4,410 |
| Net loans and leases to core deposits | 64.8110% | 4,683 |
| Total domestic deposits to total assets | 90.9304% | 298 |
| Equity capital to assets | 7.2096% | 6,027 |
| Core capital (leverage) ratio | 7.2896% | 6,014 |
| Tier 1 risk-based capital ratio | 13.0114% | 4,306 |
| Total risk-based capital ratio | 14.2597% | 4,220 |
| Memoranda: | ||
| Average total assets | $20,758,600 | 6,085 |
| Average earning assets | $19,525,600 | 6,064 |
| Average equity | $1,433,800 | 6,151 |
| Average total loans | $11,197,600 | 5,990 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 3,059 |
| Cost of funding earning assets | 0.2532% | 4,842 |
| Net interest margin | 3.8180% | 2,314 |
| Noninterest income to average assets | 0.8875% | 1,487 |
| Noninterest expense to average assets | 4.0707% | 615 |
| Loan and lease loss provision to assets | 0.0772% | 2,644 |
| Net operating income to assets | 0.3280% | 5,375 |
| Return on assets (ROA) | 0.3280% | 5,456 |
| Pretax return on assets | 0.3280% | 5,599 |
| Return on Equity (ROE) | 4.8014% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.8014% | 3,052 |
| Net charge-offs to loans | 0.0122% | 3,745 |
| Credit loss provision to net charge-offs | 1,200.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 63.1579% | 882 |
| Efficiency ratio | 90.9483% | 634 |
| Assets per employee ($millions) | 1.8224% | 6,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 3,036 |
| Loan loss allowance to noncurrent loans | 281.8182% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.9977% | 2,366 |
| Noncurrent loans to loans | 0.4647% | 3,962 |
| Net loans and leases to total assets | 58.2660% | 4,107 |
| Net loans and leases to deposits | 65.2806% | 4,447 |
| Net loans and leases to core deposits | 65.2806% | 4,742 |
| Total domestic deposits to total assets | 89.2547% | 896 |
| Equity capital to assets | 7.4030% | 6,086 |
| Core capital (leverage) ratio | 7.2407% | 6,099 |
| Tier 1 risk-based capital ratio | 13.5209% | 4,132 |
| Total risk-based capital ratio | 14.7725% | 4,056 |
| Memoranda: | ||
| Average total assets | $20,733,000 | 6,170 |
| Average earning assets | $19,486,000 | 6,149 |
| Average equity | $1,416,250 | 6,240 |
| Average total loans | $10,885,000 | 6,074 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9563% | 3,466 |
| Cost of funding earning assets | 0.2638% | 4,788 |
| Net interest margin | 3.6926% | 2,743 |
| Noninterest income to average assets | 0.8587% | 1,574 |
| Noninterest expense to average assets | 3.9786% | 692 |
| Loan and lease loss provision to assets | 0.1145% | 1,925 |
| Net operating income to assets | 0.2385% | 5,607 |
| Return on assets (ROA) | 0.2385% | 5,676 |
| Pretax return on assets | 0.2385% | 5,761 |
| Return on Equity (ROE) | 3.5876% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.5876% | 3,743 |
| Net charge-offs to loans | 0.0378% | 2,924 |
| Credit loss provision to net charge-offs | 600.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,805 |
| Efficiency ratio | 91.8502% | 650 |
| Assets per employee ($millions) | 1.9024% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 2,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6929% | 3,323 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 50.3488% | 4,899 |
| Net loans and leases to deposits | 54.2394% | 5,238 |
| Net loans and leases to core deposits | 55.3710% | 5,349 |
| Total domestic deposits to total assets | 92.8271% | 62 |
| Equity capital to assets | 6.7237% | 6,229 |
| Core capital (leverage) ratio | 6.7474% | 6,218 |
| Tier 1 risk-based capital ratio | 12.1264% | 5,062 |
| Total risk-based capital ratio | 13.3702% | 4,962 |
| Memoranda: | ||
| Average total assets | $20,962,000 | 6,243 |
| Average earning assets | $19,715,330 | 6,221 |
| Average equity | $1,393,670 | 6,318 |
| Average total loans | $10,568,330 | 6,152 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 3,295 |
| Cost of funding earning assets | 0.2425% | 5,101 |
| Net interest margin | 3.7385% | 2,475 |
| Noninterest income to average assets | 0.8008% | 1,706 |
| Noninterest expense to average assets | 4.0801% | 633 |
| Loan and lease loss provision to assets | 0.1907% | 984 |
| Net operating income to assets | 0.0572% | 5,945 |
| Return on assets (ROA) | 0.0572% | 5,989 |
| Pretax return on assets | 0.0572% | 5,991 |
| Return on Equity (ROE) | 0.8652% | 5,939 |
| Retained earnings to average equity (ytd only) | 0.8652% | 5,117 |
| Net charge-offs to loans | 0.0761% | 1,943 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,280 |
| Efficiency ratio | 94.2731% | 583 |
| Assets per employee ($millions) | 1.8904% | 6,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 2,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 3,396 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 49.6586% | 4,888 |
| Net loans and leases to deposits | 53.4721% | 5,237 |
| Net loans and leases to core deposits | 53.8907% | 5,374 |
| Total domestic deposits to total assets | 92.8681% | 69 |
| Equity capital to assets | 6.6750% | 6,290 |
| Core capital (leverage) ratio | 6.6750% | 6,271 |
| Tier 1 risk-based capital ratio | 12.1762% | 5,130 |
| Total risk-based capital ratio | 13.5154% | 4,977 |
| Memoranda: | ||
| Average total assets | $20,980,000 | 6,309 |
| Average earning assets | $19,794,000 | 6,287 |
| Average equity | $1,387,000 | 6,387 |
| Average total loans | $10,507,500 | 6,220 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9846% | 3,780 |
| Cost of funding earning assets | 0.2846% | 4,957 |
| Net interest margin | 3.6999% | 3,009 |
| Noninterest income to average assets | 1.1871% | 856 |
| Noninterest expense to average assets | 4.8540% | 344 |
| Loan and lease loss provision to assets | 0.0144% | 4,322 |
| Net operating income to assets | -0.2451% | 6,220 |
| Return on assets (ROA) | -0.2451% | 6,222 |
| Pretax return on assets | -0.2451% | 6,214 |
| Return on Equity (ROE) | -3.9566% | 6,268 |
| Retained earnings to average equity (ytd only) | -5.5857% | 6,201 |
| Net charge-offs to loans | 0.0284% | 4,251 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | -16.0000% | 4,931 |
| Efficiency ratio | 104.9896% | 277 |
| Assets per employee ($millions) | 2.3518% | 6,249 |
| Cash dividends to net income (ytd only)* | -41.1765% | 6,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 3,066 |
| Loan loss allowance to noncurrent loans | 74.3590% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.6914% | 1,583 |
| Noncurrent loans to loans | 1.8506% | 1,539 |
| Net loans and leases to total assets | 49.0976% | 5,054 |
| Net loans and leases to deposits | 52.7004% | 5,431 |
| Net loans and leases to core deposits | 52.7004% | 5,583 |
| Total domestic deposits to total assets | 93.1636% | 61 |
| Equity capital to assets | 6.5482% | 6,375 |
| Core capital (leverage) ratio | 6.5937% | 6,358 |
| Tier 1 risk-based capital ratio | 11.7009% | 5,549 |
| Total risk-based capital ratio | 12.9303% | 5,465 |
| Memoranda: | ||
| Average total assets | $20,807,400 | 6,398 |
| Average earning assets | $19,324,600 | 6,377 |
| Average equity | $1,289,000 | 6,481 |
| Average total loans | $10,572,600 | 6,302 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0191% | 3,693 |
| Cost of funding earning assets | 0.2851% | 5,046 |
| Net interest margin | 3.7340% | 2,880 |
| Noninterest income to average assets | 1.1005% | 1,003 |
| Noninterest expense to average assets | 5.0262% | 303 |
| Loan and lease loss provision to assets | 0.0193% | 4,016 |
| Net operating income to assets | -0.4891% | 6,365 |
| Return on assets (ROA) | -0.4891% | 6,363 |
| Pretax return on assets | -0.4891% | 6,354 |
| Return on Equity (ROE) | -8.0119% | 6,421 |
| Retained earnings to average equity (ytd only) | -10.2257% | 6,377 |
| Net charge-offs to loans | 0.0252% | 3,999 |
| Credit loss provision to net charge-offs | 150.0000% | 1,580 |
| Earnings coverage of net charge-offs (x) | -36.4532% | 4,669 |
| Efficiency ratio | 110.3107% | 216 |
| Assets per employee ($millions) | 2.6264% | 6,136 |
| Cash dividends to net income (ytd only)* | -27.6325% | 6,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 3,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1137% | 2,726 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 49.4408% | 5,064 |
| Net loans and leases to deposits | 53.2390% | 5,438 |
| Net loans and leases to core deposits | 53.2390% | 5,613 |
| Total domestic deposits to total assets | 92.8656% | 89 |
| Equity capital to assets | 6.4776% | 6,449 |
| Core capital (leverage) ratio | 6.5500% | 6,432 |
| Tier 1 risk-based capital ratio | 11.4201% | 5,825 |
| Total risk-based capital ratio | 12.6507% | 5,770 |
| Memoranda: | ||
| Average total assets | $20,717,750 | 6,475 |
| Average earning assets | $19,174,750 | 6,454 |
| Average equity | $1,264,750 | 6,560 |
| Average total loans | $10,581,500 | 6,375 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 3,775 |
| Cost of funding earning assets | 0.2841% | 5,142 |
| Net interest margin | 3.7038% | 2,948 |
| Noninterest income to average assets | 1.1057% | 968 |
| Noninterest expense to average assets | 4.9952% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.4753% | 6,428 |
| Return on assets (ROA) | -0.4753% | 6,425 |
| Pretax return on assets | -0.4753% | 6,408 |
| Return on Equity (ROE) | -7.9502% | 6,491 |
| Retained earnings to average equity (ytd only) | -7.9502% | 6,373 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5150% | 224 |
| Assets per employee ($millions) | 1.8680% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 3,671 |
| Loan loss allowance to noncurrent loans | 752.6316% | 651 |
| Noncurrent assets plus other real estate owned to assets | 1.2313% | 2,631 |
| Noncurrent loans to loans | 0.1773% | 5,483 |
| Net loans and leases to total assets | 51.4551% | 4,803 |
| Net loans and leases to deposits | 54.9904% | 5,288 |
| Net loans and leases to core deposits | 54.9904% | 5,487 |
| Total domestic deposits to total assets | 93.5712% | 61 |
| Equity capital to assets | 5.9081% | 6,539 |
| Core capital (leverage) ratio | 5.8487% | 6,550 |
| Tier 1 risk-based capital ratio | 10.1342% | 6,354 |
| Total risk-based capital ratio | 11.3339% | 6,330 |
| Memoranda: | ||
| Average total assets | $20,620,000 | 6,539 |
| Average earning assets | $19,007,670 | 6,523 |
| Average equity | $1,232,670 | 6,628 |
| Average total loans | $10,597,330 | 6,433 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 4,245 |
| Cost of funding earning assets | 0.2727% | 5,357 |
| Net interest margin | 3.5872% | 3,305 |
| Noninterest income to average assets | 0.9682% | 1,204 |
| Noninterest expense to average assets | 5.0736% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.7940% | 6,538 |
| Return on assets (ROA) | -0.7940% | 6,539 |
| Pretax return on assets | -0.7940% | 6,529 |
| Return on Equity (ROE) | -13.2045% | 6,593 |
| Retained earnings to average equity (ytd only) | -13.2045% | 6,441 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.5520% | 184 |
| Assets per employee ($millions) | 1.9328% | 6,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 3,629 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 371 |
| Noncurrent assets plus other real estate owned to assets | 1.9896% | 1,725 |
| Noncurrent loans to loans | 0.0962% | 5,839 |
| Net loans and leases to total assets | 48.2103% | 5,096 |
| Net loans and leases to deposits | 51.4352% | 5,486 |
| Net loans and leases to core deposits | 51.4352% | 5,654 |
| Total domestic deposits to total assets | 93.7303% | 71 |
| Equity capital to assets | 5.7429% | 6,588 |
| Core capital (leverage) ratio | 6.0700% | 6,577 |
| Tier 1 risk-based capital ratio | 10.2607% | 6,405 |
| Total risk-based capital ratio | 11.4843% | 6,376 |
| Memoranda: | ||
| Average total assets | $20,656,000 | 6,612 |
| Average earning assets | $19,068,000 | 6,589 |
| Average equity | $1,242,000 | 6,693 |
| Average total loans | $10,538,000 | 6,500 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 2,926 |
| Cost of funding earning assets | 0.3595% | 5,055 |
| Net interest margin | 3.9495% | 2,107 |
| Noninterest income to average assets | 1.4404% | 669 |
| Noninterest expense to average assets | 5.5139% | 242 |
| Loan and lease loss provision to assets | 0.0202% | 4,732 |
| Net operating income to assets | -0.4852% | 6,491 |
| Return on assets (ROA) | -0.4852% | 6,497 |
| Pretax return on assets | -0.4852% | 6,480 |
| Return on Equity (ROE) | -6.9626% | 6,534 |
| Retained earnings to average equity (ytd only) | -12.1845% | 6,573 |
| Net charge-offs to loans | 0.0783% | 4,122 |
| Credit loss provision to net charge-offs | 50.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | -11.5000% | 5,430 |
| Efficiency ratio | 109.2092% | 282 |
| Assets per employee ($millions) | 1.8228% | 6,674 |
| Cash dividends to net income (ytd only)* | -75.0000% | 6,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 3,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0597% | 1,737 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 52.5460% | 4,781 |
| Net loans and leases to deposits | 56.2790% | 5,278 |
| Net loans and leases to core deposits | 56.2790% | 5,514 |
| Total domestic deposits to total assets | 93.3669% | 106 |
| Equity capital to assets | 6.2989% | 6,588 |
| Core capital (leverage) ratio | 6.3856% | 6,610 |
| Tier 1 risk-based capital ratio | 10.7703% | 6,276 |
| Total risk-based capital ratio | 12.0127% | 6,227 |
| Memoranda: | ||
| Average total assets | $19,786,200 | 6,705 |
| Average earning assets | $18,078,400 | 6,682 |
| Average equity | $1,378,800 | 6,770 |
| Average total loans | $10,212,800 | 6,581 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 2,801 |
| Cost of funding earning assets | 0.3790% | 5,011 |
| Net interest margin | 3.9682% | 2,051 |
| Noninterest income to average assets | 1.5889% | 579 |
| Noninterest expense to average assets | 5.3075% | 279 |
| Loan and lease loss provision to assets | 0.0270% | 4,468 |
| Net operating income to assets | -0.1352% | 6,419 |
| Return on assets (ROA) | -0.1352% | 6,446 |
| Pretax return on assets | -0.1352% | 6,428 |
| Return on Equity (ROE) | -1.8945% | 6,477 |
| Retained earnings to average equity (ytd only) | -8.1449% | 6,600 |
| Net charge-offs to loans | 0.0792% | 3,816 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | -2.6663% | 5,097 |
| Efficiency ratio | 102.0806% | 402 |
| Assets per employee ($millions) | 1.7288% | 6,759 |
| Cash dividends to net income (ytd only)* | -329.9588% | 6,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 3,771 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1717% | 1,838 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 53.2681% | 4,713 |
| Net loans and leases to deposits | 57.7438% | 5,216 |
| Net loans and leases to core deposits | 57.7438% | 5,471 |
| Total domestic deposits to total assets | 92.2490% | 213 |
| Equity capital to assets | 7.0779% | 6,526 |
| Core capital (leverage) ratio | 6.9813% | 6,590 |
| Tier 1 risk-based capital ratio | 10.9782% | 6,295 |
| Total risk-based capital ratio | 12.1825% | 6,274 |
| Memoranda: | ||
| Average total assets | $19,720,000 | 6,780 |
| Average earning assets | $17,942,250 | 6,757 |
| Average equity | $1,407,750 | 6,845 |
| Average total loans | $10,095,750 | 6,655 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 2,706 |
| Cost of funding earning assets | 0.4086% | 4,861 |
| Net interest margin | 3.9538% | 2,029 |
| Noninterest income to average assets | 1.6438% | 597 |
| Noninterest expense to average assets | 5.2420% | 299 |
| Loan and lease loss provision to assets | 0.0401% | 4,154 |
| Net operating income to assets | -0.0501% | 6,358 |
| Return on assets (ROA) | -0.0501% | 6,407 |
| Pretax return on assets | -0.0501% | 6,396 |
| Return on Equity (ROE) | -0.7001% | 6,428 |
| Retained earnings to average equity (ytd only) | -0.7001% | 5,994 |
| Net charge-offs to loans | 0.1196% | 3,168 |
| Credit loss provision to net charge-offs | 66.6667% | 2,897 |
| Earnings coverage of net charge-offs (x) | -0.1667% | 4,608 |
| Efficiency ratio | 100.1916% | 479 |
| Assets per employee ($millions) | 1.7728% | 6,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 3,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1178% | 2,039 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 51.0179% | 4,997 |
| Net loans and leases to deposits | 55.4077% | 5,397 |
| Net loans and leases to core deposits | 55.4077% | 5,645 |
| Total domestic deposits to total assets | 92.0773% | 238 |
| Equity capital to assets | 7.3073% | 6,510 |
| Core capital (leverage) ratio | 7.1128% | 6,583 |
| Tier 1 risk-based capital ratio | 12.4072% | 5,565 |
| Total risk-based capital ratio | 13.6566% | 5,512 |
| Memoranda: | ||
| Average total assets | $19,954,330 | 6,825 |
| Average earning assets | $18,109,330 | 6,803 |
| Average equity | $1,428,330 | 6,892 |
| Average total loans | $10,035,330 | 6,704 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 2,552 |
| Cost of funding earning assets | 0.3913% | 5,192 |
| Net interest margin | 4.0004% | 1,781 |
| Noninterest income to average assets | 1.2685% | 950 |
| Noninterest expense to average assets | 5.1335% | 342 |
| Loan and lease loss provision to assets | 0.0793% | 3,317 |
| Net operating income to assets | -0.2973% | 6,577 |
| Return on assets (ROA) | -0.2973% | 6,612 |
| Pretax return on assets | -0.2973% | 6,600 |
| Return on Equity (ROE) | -4.1958% | 6,664 |
| Retained earnings to average equity (ytd only) | -4.1958% | 6,298 |
| Net charge-offs to loans | 0.1999% | 2,220 |
| Credit loss provision to net charge-offs | 80.0000% | 2,153 |
| Earnings coverage of net charge-offs (x) | -2.2000% | 4,027 |
| Efficiency ratio | 104.4355% | 433 |
| Assets per employee ($millions) | 1.8617% | 6,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 3,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0167% | 2,323 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 46.8675% | 5,344 |
| Net loans and leases to deposits | 51.1103% | 5,697 |
| Net loans and leases to core deposits | 51.1103% | 5,888 |
| Total domestic deposits to total assets | 91.6988% | 309 |
| Equity capital to assets | 6.9388% | 6,726 |
| Core capital (leverage) ratio | 6.9568% | 6,656 |
| Tier 1 risk-based capital ratio | 12.2523% | 5,755 |
| Total risk-based capital ratio | 13.4863% | 5,725 |
| Memoranda: | ||
| Average total assets | $20,181,000 | 6,896 |
| Average earning assets | $18,398,000 | 6,872 |
| Average equity | $1,430,000 | 6,959 |
| Average total loans | $10,005,000 | 6,769 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8791% | 1,912 |
| Cost of funding earning assets | 0.5897% | 4,446 |
| Net interest margin | 4.2894% | 1,423 |
| Noninterest income to average assets | 1.3806% | 822 |
| Noninterest expense to average assets | 5.7812% | 241 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.4873% | 6,557 |
| Return on assets (ROA) | -0.4873% | 6,600 |
| Pretax return on assets | -0.4873% | 6,563 |
| Return on Equity (ROE) | -6.1983% | 6,634 |
| Retained earnings to average equity (ytd only) | -10.1369% | 6,641 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2042% | 344 |
| Assets per employee ($millions) | 1.8075% | 6,944 |
| Cash dividends to net income (ytd only)* | -63.5417% | 7,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 3,974 |
| Loan loss allowance to noncurrent loans | 7,400.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 2.1124% | 2,319 |
| Noncurrent loans to loans | 0.0195% | 6,489 |
| Net loans and leases to total assets | 50.8776% | 5,055 |
| Net loans and leases to deposits | 55.6313% | 5,484 |
| Net loans and leases to core deposits | 55.6313% | 5,741 |
| Total domestic deposits to total assets | 91.4550% | 348 |
| Equity capital to assets | 7.2373% | 6,709 |
| Core capital (leverage) ratio | 7.2697% | 6,602 |
| Tier 1 risk-based capital ratio | 13.0125% | 5,098 |
| Total risk-based capital ratio | 14.2635% | 5,039 |
| Memoranda: | ||
| Average total assets | $19,701,800 | 6,958 |
| Average earning assets | $17,974,600 | 6,938 |
| Average equity | $1,548,800 | 7,023 |
| Average total loans | $10,664,200 | 6,821 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9241% | 1,923 |
| Cost of funding earning assets | 0.6229% | 4,423 |
| Net interest margin | 4.3011% | 1,455 |
| Noninterest income to average assets | 1.3363% | 830 |
| Noninterest expense to average assets | 5.5485% | 262 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.2781% | 6,556 |
| Return on assets (ROA) | -0.2781% | 6,619 |
| Pretax return on assets | -0.2781% | 6,589 |
| Return on Equity (ROE) | -3.4684% | 6,647 |
| Retained earnings to average equity (ytd only) | -8.2893% | 6,761 |
| Net charge-offs to loans | -0.0124% | 6,404 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2767% | 399 |
| Assets per employee ($millions) | 1.7355% | 7,053 |
| Cash dividends to net income (ytd only)* | -139.0159% | 7,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 3,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1896% | 2,440 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 51.5453% | 5,109 |
| Net loans and leases to deposits | 56.9016% | 5,545 |
| Net loans and leases to core deposits | 56.9016% | 5,816 |
| Total domestic deposits to total assets | 90.5867% | 568 |
| Equity capital to assets | 7.8889% | 6,641 |
| Core capital (leverage) ratio | 7.7945% | 6,470 |
| Tier 1 risk-based capital ratio | 13.0103% | 5,244 |
| Total risk-based capital ratio | 14.2632% | 5,198 |
| Memoranda: | ||
| Average total assets | $19,656,500 | 7,053 |
| Average earning assets | $17,979,250 | 7,030 |
| Average equity | $1,576,250 | 7,112 |
| Average total loans | $10,764,250 | 6,911 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9880% | 1,818 |
| Cost of funding earning assets | 0.6496% | 4,445 |
| Net interest margin | 4.3383% | 1,371 |
| Noninterest income to average assets | 1.3101% | 826 |
| Noninterest expense to average assets | 5.5227% | 272 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.2419% | 6,573 |
| Return on assets (ROA) | -0.2419% | 6,635 |
| Pretax return on assets | -0.2419% | 6,606 |
| Return on Equity (ROE) | -3.0006% | 6,671 |
| Retained earnings to average equity (ytd only) | -3.0006% | 6,461 |
| Net charge-offs to loans | -0.0181% | 6,405 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5802% | 425 |
| Assets per employee ($millions) | 1.7510% | 7,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4265% | 4,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1702% | 2,578 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 53.4552% | 4,885 |
| Net loans and leases to deposits | 59.1316% | 5,322 |
| Net loans and leases to core deposits | 59.1316% | 5,680 |
| Total domestic deposits to total assets | 90.4003% | 715 |
| Equity capital to assets | 8.2239% | 6,436 |
| Core capital (leverage) ratio | 8.0552% | 6,216 |
| Tier 1 risk-based capital ratio | 13.2692% | 4,986 |
| Total risk-based capital ratio | 14.5204% | 4,955 |
| Memoranda: | ||
| Average total assets | $19,845,330 | 7,108 |
| Average earning assets | $18,163,670 | 7,086 |
| Average equity | $1,599,670 | 7,163 |
| Average total loans | $11,022,330 | 6,963 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0191% | 1,827 |
| Cost of funding earning assets | 0.6518% | 4,716 |
| Net interest margin | 4.3673% | 1,297 |
| Noninterest income to average assets | 1.2117% | 976 |
| Noninterest expense to average assets | 5.5220% | 266 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.3178% | 6,716 |
| Return on assets (ROA) | -0.3178% | 6,757 |
| Pretax return on assets | -0.3178% | 6,740 |
| Return on Equity (ROE) | -3.9813% | 6,808 |
| Retained earnings to average equity (ytd only) | -3.9813% | 6,492 |
| Net charge-offs to loans | -0.0354% | 6,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1069% | 405 |
| Assets per employee ($millions) | 1.8949% | 7,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 4,650 |
| Loan loss allowance to noncurrent loans | 128.2051% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 1.9766% | 2,934 |
| Noncurrent loans to loans | 1.0850% | 4,520 |
| Net loans and leases to total assets | 51.0123% | 5,152 |
| Net loans and leases to deposits | 56.0103% | 5,599 |
| Net loans and leases to core deposits | 56.0103% | 5,902 |
| Total domestic deposits to total assets | 91.0766% | 518 |
| Equity capital to assets | 7.6617% | 6,709 |
| Core capital (leverage) ratio | 8.0014% | 6,261 |
| Tier 1 risk-based capital ratio | 12.9719% | 5,240 |
| Total risk-based capital ratio | 14.2136% | 5,214 |
| Memoranda: | ||
| Average total assets | $20,137,500 | 7,166 |
| Average earning assets | $18,409,500 | 7,142 |
| Average equity | $1,607,500 | 7,217 |
| Average total loans | $11,311,000 | 7,010 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0923% | 373 |
| Cost of funding earning assets | 0.9141% | 4,017 |
| Net interest margin | 5.1781% | 299 |
| Noninterest income to average assets | 1.7105% | 486 |
| Noninterest expense to average assets | 6.2912% | 183 |
| Loan and lease loss provision to assets | 0.0318% | 6,168 |
| Net operating income to assets | 0.1271% | 5,800 |
| Return on assets (ROA) | 0.1271% | 5,928 |
| Pretax return on assets | 0.1271% | 5,927 |
| Return on Equity (ROE) | 1.4399% | 5,857 |
| Retained earnings to average equity (ytd only) | -5.0396% | 6,449 |
| Net charge-offs to loans | 0.0246% | 6,090 |
| Credit loss provision to net charge-offs | 200.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,898 |
| Efficiency ratio | 97.5369% | 748 |
| Assets per employee ($millions) | 1.6193% | 7,250 |
| Cash dividends to net income (ytd only)* | 450.0000% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 5,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4256% | 3,856 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 60.1616% | 3,965 |
| Net loans and leases to deposits | 66.5680% | 4,656 |
| Net loans and leases to core deposits | 66.5680% | 5,202 |
| Total domestic deposits to total assets | 90.3762% | 775 |
| Equity capital to assets | 8.3269% | 6,323 |
| Core capital (leverage) ratio | 8.3448% | 5,786 |
| Tier 1 risk-based capital ratio | 12.7415% | 5,278 |
| Total risk-based capital ratio | 13.9408% | 5,293 |
| Memoranda: | ||
| Average total assets | $18,883,600 | 7,225 |
| Average earning assets | $17,284,200 | 7,200 |
| Average equity | $1,666,800 | 7,260 |
| Average total loans | $12,175,400 | 7,027 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1637% | 350 |
| Cost of funding earning assets | 0.9561% | 3,994 |
| Net interest margin | 5.2077% | 283 |
| Noninterest income to average assets | 1.7781% | 454 |
| Noninterest expense to average assets | 6.2445% | 181 |
| Loan and lease loss provision to assets | 0.0427% | 5,905 |
| Net operating income to assets | 0.2560% | 5,549 |
| Return on assets (ROA) | 0.2560% | 5,700 |
| Pretax return on assets | 0.2560% | 5,795 |
| Return on Equity (ROE) | 2.8588% | 5,479 |
| Retained earnings to average equity (ytd only) | -4.0500% | 6,518 |
| Net charge-offs to loans | -0.0653% | 7,099 |
| Credit loss provision to net charge-offs | -100.0000% | 6,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4348% | 848 |
| Assets per employee ($millions) | 1.6525% | 7,320 |
| Cash dividends to net income (ytd only)* | 241.6667% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 4,979 |
| Loan loss allowance to noncurrent loans | 1,436.3636% | 270 |
| Noncurrent assets plus other real estate owned to assets | 1.6228% | 3,652 |
| Noncurrent loans to loans | 0.0910% | 6,706 |
| Net loans and leases to total assets | 65.6508% | 2,975 |
| Net loans and leases to deposits | 73.5350% | 3,719 |
| Net loans and leases to core deposits | 73.5350% | 4,520 |
| Total domestic deposits to total assets | 89.2782% | 1,270 |
| Equity capital to assets | 9.1154% | 5,622 |
| Core capital (leverage) ratio | 8.8519% | 5,178 |
| Tier 1 risk-based capital ratio | 12.9053% | 5,166 |
| Total risk-based capital ratio | 14.1431% | 5,153 |
| Memoranda: | ||
| Average total assets | $18,746,750 | 7,304 |
| Average earning assets | $17,153,750 | 7,273 |
| Average equity | $1,679,000 | 7,331 |
| Average total loans | $12,259,500 | 7,091 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1272% | 367 |
| Cost of funding earning assets | 0.9559% | 4,276 |
| Net interest margin | 5.1712% | 294 |
| Noninterest income to average assets | 1.7321% | 448 |
| Noninterest expense to average assets | 6.2208% | 182 |
| Loan and lease loss provision to assets | 0.0634% | 5,509 |
| Net operating income to assets | 0.1901% | 5,770 |
| Return on assets (ROA) | 0.1901% | 5,884 |
| Pretax return on assets | 0.1901% | 5,950 |
| Return on Equity (ROE) | 2.1348% | 5,748 |
| Retained earnings to average equity (ytd only) | -7.8276% | 6,766 |
| Net charge-offs to loans | -0.1137% | 7,196 |
| Credit loss provision to net charge-offs | -85.7143% | 6,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0848% | 876 |
| Assets per employee ($millions) | 1.6732% | 7,380 |
| Cash dividends to net income (ytd only)* | 466.6667% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 4,926 |
| Loan loss allowance to noncurrent loans | 567.8571% | 598 |
| Noncurrent assets plus other real estate owned to assets | 1.6572% | 3,697 |
| Noncurrent loans to loans | 0.2342% | 6,449 |
| Net loans and leases to total assets | 64.0913% | 3,442 |
| Net loans and leases to deposits | 71.6559% | 4,171 |
| Net loans and leases to core deposits | 71.6559% | 4,857 |
| Total domestic deposits to total assets | 89.4431% | 1,269 |
| Equity capital to assets | 8.9378% | 5,666 |
| Core capital (leverage) ratio | 8.5105% | 5,538 |
| Tier 1 risk-based capital ratio | 12.9290% | 4,976 |
| Total risk-based capital ratio | 14.1807% | 4,952 |
| Memoranda: | ||
| Average total assets | $18,936,330 | 7,372 |
| Average earning assets | $17,365,330 | 7,342 |
| Average equity | $1,686,330 | 7,399 |
| Average total loans | $12,315,330 | 7,156 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0391% | 439 |
| Cost of funding earning assets | 0.9762% | 4,383 |
| Net interest margin | 5.0629% | 330 |
| Noninterest income to average assets | 1.5415% | 547 |
| Noninterest expense to average assets | 6.2077% | 183 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0208% | 6,378 |
| Return on assets (ROA) | -0.0208% | 6,403 |
| Pretax return on assets | -0.0208% | 6,381 |
| Return on Equity (ROE) | -0.2343% | 6,406 |
| Retained earnings to average equity (ytd only) | -0.7030% | 5,927 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3367% | 730 |
| Assets per employee ($millions) | 1.7460% | 7,432 |
| Cash dividends to net income (ytd only)* | -200.0000% | 7,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 5,572 |
| Loan loss allowance to noncurrent loans | 608.3333% | 559 |
| Noncurrent assets plus other real estate owned to assets | 1.4475% | 4,100 |
| Noncurrent loans to loans | 0.1993% | 6,575 |
| Net loans and leases to total assets | 61.9546% | 3,864 |
| Net loans and leases to deposits | 69.1200% | 4,511 |
| Net loans and leases to core deposits | 69.1200% | 5,150 |
| Total domestic deposits to total assets | 89.6334% | 1,404 |
| Equity capital to assets | 8.8774% | 5,383 |
| Core capital (leverage) ratio | 8.7584% | 4,988 |
| Tier 1 risk-based capital ratio | 13.1927% | 4,673 |
| Total risk-based capital ratio | 14.3503% | 4,724 |
| Memoranda: | ||
| Average total assets | $19,202,000 | 7,422 |
| Average earning assets | $17,618,500 | 7,392 |
| Average equity | $1,707,000 | 7,448 |
| Average total loans | $12,495,500 | 7,202 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5016% | 319 |
| Cost of funding earning assets | 1.1729% | 4,713 |
| Net interest margin | 5.3287% | 228 |
| Noninterest income to average assets | 1.7097% | 509 |
| Noninterest expense to average assets | 6.3598% | 197 |
| Loan and lease loss provision to assets | 0.0566% | 6,572 |
| Net operating income to assets | 0.1648% | 5,393 |
| Return on assets (ROA) | 0.1648% | 5,555 |
| Pretax return on assets | 0.1596% | 5,573 |
| Return on Equity (ROE) | 1.8309% | 5,457 |
| Retained earnings to average equity (ytd only) | -4.9205% | 6,287 |
| Net charge-offs to loans | 0.0904% | 5,937 |
| Credit loss provision to net charge-offs | 91.6667% | 5,057 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,331 |
| Efficiency ratio | 96.7110% | 938 |
| Assets per employee ($millions) | 1.7453% | 7,503 |
| Cash dividends to net income (ytd only)* | 368.7500% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 5,836 |
| Loan loss allowance to noncurrent loans | 3,650.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 1.3856% | 4,269 |
| Noncurrent loans to loans | 0.0309% | 7,057 |
| Net loans and leases to total assets | 66.6736% | 3,311 |
| Net loans and leases to deposits | 74.4143% | 4,130 |
| Net loans and leases to core deposits | 74.4143% | 4,929 |
| Total domestic deposits to total assets | 89.5979% | 1,326 |
| Equity capital to assets | 8.9020% | 5,278 |
| Core capital (leverage) ratio | 8.4278% | 5,487 |
| Tier 1 risk-based capital ratio | 12.5094% | 5,015 |
| Total risk-based capital ratio | 13.6056% | 5,125 |
| Memoranda: | ||
| Average total assets | $19,418,800 | 7,478 |
| Average earning assets | $17,734,000 | 7,453 |
| Average equity | $1,747,800 | 7,548 |
| Average total loans | $13,281,000 | 7,241 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5083% | 335 |
| Cost of funding earning assets | 1.2011% | 4,862 |
| Net interest margin | 5.3072% | 238 |
| Noninterest income to average assets | 1.6774% | 499 |
| Noninterest expense to average assets | 6.3262% | 194 |
| Loan and lease loss provision to assets | 0.0753% | 6,296 |
| Net operating income to assets | 0.1164% | 5,730 |
| Return on assets (ROA) | 0.1164% | 5,889 |
| Pretax return on assets | 0.1164% | 5,889 |
| Return on Equity (ROE) | 1.2899% | 5,822 |
| Retained earnings to average equity (ytd only) | -5.9932% | 6,627 |
| Net charge-offs to loans | 0.0997% | 5,531 |
| Credit loss provision to net charge-offs | 110.0000% | 3,858 |
| Earnings coverage of net charge-offs (x) | 2.8005% | 3,740 |
| Efficiency ratio | 97.0588% | 869 |
| Assets per employee ($millions) | 1.7726% | 7,604 |
| Cash dividends to net income (ytd only)* | 564.6228% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 5,996 |
| Loan loss allowance to noncurrent loans | 1,850.0000% | 206 |
| Noncurrent assets plus other real estate owned to assets | 1.3847% | 4,396 |
| Noncurrent loans to loans | 0.0588% | 7,093 |
| Net loans and leases to total assets | 69.0600% | 2,968 |
| Net loans and leases to deposits | 77.2044% | 3,978 |
| Net loans and leases to core deposits | 77.2044% | 4,898 |
| Total domestic deposits to total assets | 89.4507% | 1,148 |
| Equity capital to assets | 8.8620% | 5,754 |
| Core capital (leverage) ratio | 8.6352% | 5,289 |
| Tier 1 risk-based capital ratio | 12.0511% | 5,417 |
| Total risk-based capital ratio | 13.1184% | 5,551 |
| Memoranda: | ||
| Average total assets | $19,474,000 | 7,576 |
| Average earning assets | $17,761,500 | 7,552 |
| Average equity | $1,757,500 | 7,643 |
| Average total loans | $13,364,750 | 7,333 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4387% | 381 |
| Cost of funding earning assets | 1.2269% | 4,971 |
| Net interest margin | 5.2117% | 276 |
| Noninterest income to average assets | 1.5412% | 540 |
| Noninterest expense to average assets | 6.2983% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0000% | 6,082 |
| Return on assets (ROA) | 0.0000% | 6,188 |
| Pretax return on assets | 0.0000% | 6,153 |
| Return on Equity (ROE) | 0.0000% | 6,190 |
| Retained earnings to average equity (ytd only) | -10.8638% | 6,947 |
| Net charge-offs to loans | -0.0301% | 7,350 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 801 |
| Assets per employee ($millions) | 1.7430% | 7,676 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 5,943 |
| Loan loss allowance to noncurrent loans | 993.3333% | 347 |
| Noncurrent assets plus other real estate owned to assets | 1.5021% | 4,203 |
| Noncurrent loans to loans | 0.1106% | 7,044 |
| Net loans and leases to total assets | 69.9578% | 2,906 |
| Net loans and leases to deposits | 78.0506% | 3,957 |
| Net loans and leases to core deposits | 78.0506% | 4,943 |
| Total domestic deposits to total assets | 89.6313% | 1,107 |
| Equity capital to assets | 8.9188% | 5,574 |
| Core capital (leverage) ratio | 8.5655% | 5,304 |
| Tier 1 risk-based capital ratio | 12.1392% | 5,179 |
| Total risk-based capital ratio | 13.2308% | 5,294 |
| Memoranda: | ||
| Average total assets | $19,465,670 | 7,639 |
| Average earning assets | $17,767,670 | 7,617 |
| Average equity | $1,767,330 | 7,707 |
| Average total loans | $13,281,670 | 7,387 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4379% | 402 |
| Cost of funding earning assets | 1.2518% | 5,100 |
| Net interest margin | 5.1861% | 298 |
| Noninterest income to average assets | 1.4073% | 611 |
| Noninterest expense to average assets | 6.2207% | 199 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0816% | 6,417 |
| Return on assets (ROA) | -0.0816% | 6,493 |
| Pretax return on assets | -0.0816% | 6,442 |
| Return on Equity (ROE) | -0.8909% | 6,511 |
| Retained earnings to average equity (ytd only) | -0.8909% | 6,024 |
| Net charge-offs to loans | -0.0609% | 7,399 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3289% | 801 |
| Assets per employee ($millions) | 1.7528% | 7,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 5,707 |
| Loan loss allowance to noncurrent loans | 2,483.3333% | 149 |
| Noncurrent assets plus other real estate owned to assets | 1.2033% | 4,768 |
| Noncurrent loans to loans | 0.0468% | 7,294 |
| Net loans and leases to total assets | 65.7487% | 3,918 |
| Net loans and leases to deposits | 73.5965% | 4,806 |
| Net loans and leases to core deposits | 73.5965% | 5,536 |
| Total domestic deposits to total assets | 89.3367% | 1,339 |
| Equity capital to assets | 9.2993% | 4,831 |
| Core capital (leverage) ratio | 9.1075% | 4,363 |
| Tier 1 risk-based capital ratio | 13.1934% | 4,214 |
| Total risk-based capital ratio | 14.3181% | 4,257 |
| Memoranda: | ||
| Average total assets | $19,612,000 | 7,727 |
| Average earning assets | $17,894,000 | 7,709 |
| Average equity | $1,796,000 | 7,788 |
| Average total loans | $13,141,500 | 7,486 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7600% | 410 |
| Cost of funding earning assets | 1.6928% | 4,553 |
| Net interest margin | 5.0672% | 397 |
| Noninterest income to average assets | 1.7125% | 489 |
| Noninterest expense to average assets | 5.8940% | 324 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6543% | 3,120 |
| Return on assets (ROA) | 0.6543% | 3,169 |
| Pretax return on assets | 0.4243% | 4,419 |
| Return on Equity (ROE) | 7.2398% | 2,698 |
| Retained earnings to average equity (ytd only) | 0.9050% | 4,389 |
| Net charge-offs to loans | 0.2359% | 5,150 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 2.7667% | 3,711 |
| Efficiency ratio | 93.2848% | 1,460 |
| Assets per employee ($millions) | 1.8130% | 7,817 |
| Cash dividends to net income (ytd only)* | 87.5000% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 5,934 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 1.1683% | 4,759 |
| Noncurrent loans to loans | 0.0520% | 7,297 |
| Net loans and leases to total assets | 66.7402% | 3,978 |
| Net loans and leases to deposits | 74.4449% | 4,959 |
| Net loans and leases to core deposits | 83.9748% | 5,715 |
| Total domestic deposits to total assets | 89.6505% | 1,130 |
| Equity capital to assets | 9.0207% | 5,115 |
| Core capital (leverage) ratio | 8.7425% | 4,853 |
| Tier 1 risk-based capital ratio | 12.5627% | 4,473 |
| Total risk-based capital ratio | 13.6168% | 4,587 |
| Memoranda: | ||
| Average total assets | $19,562,400 | 7,790 |
| Average earning assets | $17,781,000 | 7,767 |
| Average equity | $1,768,000 | 7,882 |
| Average total loans | $12,716,000 | 7,566 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7272% | 484 |
| Cost of funding earning assets | 1.7608% | 4,584 |
| Net interest margin | 4.9664% | 478 |
| Noninterest income to average assets | 1.6985% | 510 |
| Noninterest expense to average assets | 5.7120% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5068% | 3,953 |
| Return on assets (ROA) | 0.5068% | 4,041 |
| Pretax return on assets | 0.5068% | 4,503 |
| Return on Equity (ROE) | 5.6049% | 3,693 |
| Retained earnings to average equity (ytd only) | -0.9845% | 5,483 |
| Net charge-offs to loans | 0.3405% | 3,935 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 2.3122% | 4,092 |
| Efficiency ratio | 91.8502% | 1,552 |
| Assets per employee ($millions) | 1.7859% | 7,903 |
| Cash dividends to net income (ytd only)* | 117.5755% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 5,838 |
| Loan loss allowance to noncurrent loans | 2,085.7143% | 188 |
| Noncurrent assets plus other real estate owned to assets | 1.1861% | 4,700 |
| Noncurrent loans to loans | 0.0518% | 7,376 |
| Net loans and leases to total assets | 68.0326% | 3,952 |
| Net loans and leases to deposits | 76.1278% | 5,014 |
| Net loans and leases to core deposits | 86.0149% | 5,867 |
| Total domestic deposits to total assets | 89.3663% | 1,030 |
| Equity capital to assets | 8.9539% | 5,549 |
| Core capital (leverage) ratio | 8.6640% | 5,198 |
| Tier 1 risk-based capital ratio | 12.5273% | 4,519 |
| Total risk-based capital ratio | 13.5888% | 4,619 |
| Memoranda: | ||
| Average total assets | $19,467,250 | 7,864 |
| Average earning assets | $17,718,750 | 7,850 |
| Average equity | $1,760,250 | 7,968 |
| Average total loans | $12,530,750 | 7,649 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6943% | 543 |
| Cost of funding earning assets | 1.8412% | 4,551 |
| Net interest margin | 4.8531% | 598 |
| Noninterest income to average assets | 1.6694% | 527 |
| Noninterest expense to average assets | 5.6265% | 363 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4431% | 4,320 |
| Return on assets (ROA) | 0.4431% | 4,428 |
| Pretax return on assets | 0.4431% | 4,821 |
| Return on Equity (ROE) | 4.8845% | 4,130 |
| Retained earnings to average equity (ytd only) | -4.9981% | 6,299 |
| Net charge-offs to loans | 0.3933% | 3,237 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.7917% | 4,217 |
| Efficiency ratio | 92.6995% | 1,590 |
| Assets per employee ($millions) | 1.7865% | 7,981 |
| Cash dividends to net income (ytd only)* | 202.3256% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 4,863 |
| Loan loss allowance to noncurrent loans | 1,925.0000% | 200 |
| Noncurrent assets plus other real estate owned to assets | 1.7454% | 3,562 |
| Noncurrent loans to loans | 0.0629% | 7,368 |
| Net loans and leases to total assets | 63.9528% | 4,991 |
| Net loans and leases to deposits | 71.4863% | 5,812 |
| Net loans and leases to core deposits | 80.6934% | 6,344 |
| Total domestic deposits to total assets | 89.4616% | 1,060 |
| Equity capital to assets | 8.7676% | 5,647 |
| Core capital (leverage) ratio | 8.5524% | 5,351 |
| Tier 1 risk-based capital ratio | 12.7486% | 4,321 |
| Total risk-based capital ratio | 13.9090% | 4,310 |
| Memoranda: | ||
| Average total assets | $19,408,000 | 7,945 |
| Average earning assets | $17,597,000 | 7,929 |
| Average equity | $1,760,670 | 8,050 |
| Average total loans | $12,204,000 | 7,745 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6235% | 685 |
| Cost of funding earning assets | 1.8859% | 4,708 |
| Net interest margin | 4.7377% | 708 |
| Noninterest income to average assets | 1.4726% | 650 |
| Noninterest expense to average assets | 5.7036% | 335 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0415% | 6,153 |
| Return on assets (ROA) | 0.0415% | 6,300 |
| Pretax return on assets | 0.0415% | 6,296 |
| Return on Equity (ROE) | 0.4496% | 6,290 |
| Retained earnings to average equity (ytd only) | 0.4496% | 5,475 |
| Net charge-offs to loans | -0.1005% | 7,879 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2780% | 1,164 |
| Assets per employee ($millions) | 1.7862% | 8,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 3,135 |
| Loan loss allowance to noncurrent loans | 600.0000% | 596 |
| Noncurrent assets plus other real estate owned to assets | 1.8679% | 3,115 |
| Noncurrent loans to loans | 0.2451% | 6,835 |
| Net loans and leases to total assets | 61.3803% | 5,432 |
| Net loans and leases to deposits | 68.8042% | 6,099 |
| Net loans and leases to core deposits | 77.0213% | 6,607 |
| Total domestic deposits to total assets | 89.2101% | 1,138 |
| Equity capital to assets | 9.0391% | 5,309 |
| Core capital (leverage) ratio | 9.0422% | 4,631 |
| Tier 1 risk-based capital ratio | 13.5495% | 3,836 |
| Total risk-based capital ratio | 14.8047% | 3,759 |
| Memoranda: | ||
| Average total assets | $19,286,000 | 8,002 |
| Average earning assets | $17,392,500 | 7,981 |
| Average equity | $1,779,500 | 8,099 |
| Average total loans | $11,945,000 | 7,805 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9574% | 1,243 |
| Cost of funding earning assets | 2.3577% | 4,901 |
| Net interest margin | 4.5998% | 1,179 |
| Noninterest income to average assets | 1.7738% | 433 |
| Noninterest expense to average assets | 5.6700% | 472 |
| Loan and lease loss provision to assets | 0.0152% | 7,189 |
| Net operating income to assets | 0.0859% | 6,140 |
| Return on assets (ROA) | 0.0859% | 5,982 |
| Pretax return on assets | 0.1112% | 5,918 |
| Return on Equity (ROE) | 0.9391% | 5,937 |
| Retained earnings to average equity (ytd only) | -4.5851% | 6,432 |
| Net charge-offs to loans | -0.0082% | 7,832 |
| Credit loss provision to net charge-offs | -300.0000% | 7,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8204% | 1,065 |
| Assets per employee ($millions) | 1.7204% | 8,084 |
| Cash dividends to net income (ytd only)* | 588.2353% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 2,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7914% | 2,738 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 60.6214% | 5,820 |
| Net loans and leases to deposits | 68.3345% | 6,428 |
| Net loans and leases to core deposits | 76.9159% | 6,803 |
| Total domestic deposits to total assets | 88.7127% | 1,146 |
| Equity capital to assets | 9.4219% | 4,796 |
| Core capital (leverage) ratio | 8.6385% | 5,308 |
| Tier 1 risk-based capital ratio | 13.9203% | 3,584 |
| Total risk-based capital ratio | 15.1471% | 3,518 |
| Memoranda: | ||
| Average total assets | $19,788,200 | 8,025 |
| Average earning assets | $17,305,200 | 8,031 |
| Average equity | $1,810,200 | 8,153 |
| Average total loans | $12,145,200 | 7,827 |