Home > Kentucky Federal Savings and Loan Association > Performance and Condition Ratios
Kentucky Federal Savings and Loan Association, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0892% | 3,673 |
| Cost of funding earning assets | 0.8970% | 935 |
| Net interest margin | 3.1921% | 4,526 |
| Noninterest income to average assets | 0.6773% | 1,949 |
| Noninterest expense to average assets | 4.7457% | 240 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -1.0097% | 5,421 |
| Return on assets (ROA) | -1.0097% | 5,415 |
| Pretax return on assets | -1.2537% | 5,423 |
| Return on Equity (ROE) | -11.1836% | 5,424 |
| Retained earnings to average equity (ytd only) | -11.1836% | 5,398 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.9036% | 34 |
| Assets per employee ($millions) | 3.4897% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 2,626 |
| Loan loss allowance to noncurrent loans | 82.9787% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.1717% | 1,206 |
| Noncurrent loans to loans | 1.4452% | 1,138 |
| Net loans and leases to total assets | 51.1542% | 4,522 |
| Net loans and leases to deposits | 59.5390% | 4,577 |
| Net loans and leases to core deposits | 60.9854% | 4,666 |
| Total domestic deposits to total assets | 85.9172% | 2,233 |
| Equity capital to assets | 8.8070% | 4,715 |
| Core capital (leverage) ratio | 8.5576% | 5,058 |
| Tier 1 risk-based capital ratio | 22.5336% | 988 |
| Total risk-based capital ratio | 23.7882% | 963 |
| Memoranda: | ||
| Average total assets | $31,691,250 | 5,289 |
| Average earning assets | $27,943,000 | 5,295 |
| Average equity | $2,861,250 | 5,361 |
| Average total loans | $16,780,750 | 5,215 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8488% | 4,219 |
| Cost of funding earning assets | 0.8181% | 1,052 |
| Net interest margin | 3.0306% | 4,837 |
| Noninterest income to average assets | 0.6733% | 1,984 |
| Noninterest expense to average assets | 5.0085% | 212 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -1.2899% | 5,488 |
| Return on assets (ROA) | -1.2899% | 5,482 |
| Pretax return on assets | -1.6548% | 5,492 |
| Return on Equity (ROE) | -14.1721% | 5,496 |
| Retained earnings to average equity (ytd only) | -14.1721% | 5,467 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.3433% | 32 |
| Assets per employee ($millions) | 3.5079% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 3,158 |
| Loan loss allowance to noncurrent loans | 64.7841% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.5362% | 861 |
| Noncurrent loans to loans | 1.7254% | 924 |
| Net loans and leases to total assets | 54.6388% | 4,280 |
| Net loans and leases to deposits | 63.5992% | 4,307 |
| Net loans and leases to core deposits | 65.1312% | 4,422 |
| Total domestic deposits to total assets | 85.9111% | 2,326 |
| Equity capital to assets | 8.8721% | 4,670 |
| Core capital (leverage) ratio | 8.7017% | 4,956 |
| Tier 1 risk-based capital ratio | 21.8062% | 1,064 |
| Total risk-based capital ratio | 23.0596% | 1,041 |
| Memoranda: | ||
| Average total assets | $31,786,000 | 5,352 |
| Average earning assets | $28,113,000 | 5,354 |
| Average equity | $2,893,000 | 5,420 |
| Average total loans | $16,954,000 | 5,270 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 4,184 |
| Cost of funding earning assets | 0.7791% | 1,054 |
| Net interest margin | 3.0313% | 4,829 |
| Noninterest income to average assets | 0.9657% | 990 |
| Noninterest expense to average assets | 4.2015% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.5518% | 5,502 |
| Return on assets (ROA) | -0.5518% | 5,501 |
| Pretax return on assets | -0.5518% | 5,500 |
| Return on Equity (ROE) | -5.9001% | 5,510 |
| Retained earnings to average equity (ytd only) | -5.9001% | 5,247 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1203% | 80 |
| Assets per employee ($millions) | 2.9405% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 3,137 |
| Loan loss allowance to noncurrent loans | 63.9344% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.7251% | 731 |
| Noncurrent loans to loans | 1.7841% | 946 |
| Net loans and leases to total assets | 52.2476% | 4,422 |
| Net loans and leases to deposits | 61.1123% | 4,389 |
| Net loans and leases to core deposits | 62.5532% | 4,517 |
| Total domestic deposits to total assets | 85.4943% | 2,756 |
| Equity capital to assets | 9.1541% | 4,411 |
| Core capital (leverage) ratio | 9.0603% | 4,613 |
| Tier 1 risk-based capital ratio | 22.8085% | 959 |
| Total risk-based capital ratio | 24.0641% | 942 |
| Memoranda: | ||
| Average total assets | $31,893,500 | 5,407 |
| Average earning assets | $28,239,000 | 5,410 |
| Average equity | $2,983,000 | 5,469 |
| Average total loans | $16,708,500 | 5,335 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6492% | 4,451 |
| Cost of funding earning assets | 0.7359% | 864 |
| Net interest margin | 2.9132% | 5,025 |
| Noninterest income to average assets | 0.6719% | 2,086 |
| Noninterest expense to average assets | 3.3716% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.0181% | 5,378 |
| Return on assets (ROA) | -0.0181% | 5,382 |
| Pretax return on assets | -0.1115% | 5,473 |
| Return on Equity (ROE) | -0.1982% | 5,383 |
| Retained earnings to average equity (ytd only) | -0.1982% | 5,062 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4196% | 137 |
| Assets per employee ($millions) | 3.1441% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 2,847 |
| Loan loss allowance to noncurrent loans | 64.0264% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.7652% | 712 |
| Noncurrent loans to loans | 1.8564% | 852 |
| Net loans and leases to total assets | 51.2961% | 4,573 |
| Net loans and leases to deposits | 58.2175% | 4,680 |
| Net loans and leases to core deposits | 59.5833% | 4,774 |
| Total domestic deposits to total assets | 88.1111% | 1,434 |
| Equity capital to assets | 9.5576% | 4,183 |
| Core capital (leverage) ratio | 9.2773% | 4,320 |
| Tier 1 risk-based capital ratio | 23.9767% | 816 |
| Total risk-based capital ratio | 25.2294% | 798 |
| Memoranda: | ||
| Average total assets | $33,188,800 | 5,446 |
| Average earning assets | $29,486,000 | 5,446 |
| Average equity | $3,027,400 | 5,526 |
| Average total loans | $16,683,200 | 5,400 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2982% | 5,115 |
| Cost of funding earning assets | 0.7220% | 876 |
| Net interest margin | 2.5762% | 5,423 |
| Noninterest income to average assets | 0.7573% | 1,747 |
| Noninterest expense to average assets | 3.0333% | 2,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1427% | 5,403 |
| Return on assets (ROA) | 0.1427% | 5,411 |
| Pretax return on assets | 0.0159% | 5,504 |
| Return on Equity (ROE) | 1.5826% | 5,366 |
| Retained earnings to average equity (ytd only) | 1.5826% | 4,796 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4798% | 185 |
| Assets per employee ($millions) | 3.0247% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,902 |
| Loan loss allowance to noncurrent loans | 51.0526% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 2.0408% | 624 |
| Noncurrent loans to loans | 2.3623% | 665 |
| Net loans and leases to total assets | 47.7639% | 4,845 |
| Net loans and leases to deposits | 54.1447% | 4,957 |
| Net loans and leases to core deposits | 56.2848% | 4,988 |
| Total domestic deposits to total assets | 88.2153% | 1,249 |
| Equity capital to assets | 9.1579% | 4,760 |
| Core capital (leverage) ratio | 8.9943% | 4,745 |
| Tier 1 risk-based capital ratio | 23.6826% | 883 |
| Total risk-based capital ratio | 24.9339% | 865 |
| Memoranda: | ||
| Average total assets | $33,625,750 | 5,500 |
| Average earning assets | $29,914,750 | 5,499 |
| Average equity | $3,033,000 | 5,587 |
| Average total loans | $16,773,500 | 5,457 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7123% | 4,186 |
| Cost of funding earning assets | 0.7185% | 804 |
| Net interest margin | 2.9938% | 4,927 |
| Noninterest income to average assets | 0.8119% | 1,529 |
| Noninterest expense to average assets | 3.3720% | 1,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1007% | 5,493 |
| Return on assets (ROA) | 0.1007% | 5,495 |
| Pretax return on assets | 0.1067% | 5,506 |
| Return on Equity (ROE) | 1.1260% | 5,453 |
| Retained earnings to average equity (ytd only) | 1.1260% | 4,788 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9336% | 234 |
| Assets per employee ($millions) | 3.0905% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 2,944 |
| Loan loss allowance to noncurrent loans | 47.6773% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 2.1444% | 565 |
| Noncurrent loans to loans | 2.5413% | 580 |
| Net loans and leases to total assets | 46.7686% | 4,899 |
| Net loans and leases to deposits | 52.8891% | 5,021 |
| Net loans and leases to core deposits | 54.4542% | 5,070 |
| Total domestic deposits to total assets | 88.4277% | 1,244 |
| Equity capital to assets | 8.9043% | 4,982 |
| Core capital (leverage) ratio | 8.8532% | 4,895 |
| Tier 1 risk-based capital ratio | 23.2792% | 913 |
| Total risk-based capital ratio | 24.5328% | 901 |
| Memoranda: | ||
| Average total assets | $33,749,000 | 5,547 |
| Average earning assets | $30,062,000 | 5,543 |
| Average equity | $3,019,670 | 5,634 |
| Average total loans | $17,002,670 | 5,488 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6594% | 4,240 |
| Cost of funding earning assets | 0.7346% | 709 |
| Net interest margin | 2.9249% | 5,038 |
| Noninterest income to average assets | 0.9160% | 1,193 |
| Noninterest expense to average assets | 3.3902% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1190% | 5,491 |
| Return on assets (ROA) | 0.1190% | 5,499 |
| Pretax return on assets | 0.1309% | 5,497 |
| Return on Equity (ROE) | 1.3263% | 5,449 |
| Retained earnings to average equity (ytd only) | 1.3263% | 4,558 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2838% | 309 |
| Assets per employee ($millions) | 3.0810% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 3,527 |
| Loan loss allowance to noncurrent loans | 47.6773% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 2.1510% | 588 |
| Noncurrent loans to loans | 2.3674% | 688 |
| Net loans and leases to total assets | 50.3998% | 4,645 |
| Net loans and leases to deposits | 56.7475% | 4,769 |
| Net loans and leases to core deposits | 58.4205% | 4,856 |
| Total domestic deposits to total assets | 88.8141% | 1,249 |
| Equity capital to assets | 8.9139% | 4,898 |
| Core capital (leverage) ratio | 8.8981% | 4,843 |
| Tier 1 risk-based capital ratio | 22.2903% | 1,053 |
| Total risk-based capital ratio | 23.5446% | 1,032 |
| Memoranda: | ||
| Average total assets | $33,626,000 | 5,612 |
| Average earning assets | $29,950,000 | 5,611 |
| Average equity | $3,016,000 | 5,697 |
| Average total loans | $17,457,000 | 5,539 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6878% | 4,251 |
| Cost of funding earning assets | 0.7757% | 560 |
| Net interest margin | 2.9121% | 5,118 |
| Noninterest income to average assets | 0.7097% | 2,130 |
| Noninterest expense to average assets | 3.7501% | 823 |
| Loan and lease loss provision to assets | 0.1476% | 1,687 |
| Net operating income to assets | -0.4201% | 5,771 |
| Return on assets (ROA) | -0.4201% | 5,778 |
| Pretax return on assets | -0.5876% | 5,790 |
| Return on Equity (ROE) | -4.8102% | 5,785 |
| Retained earnings to average equity (ytd only) | -4.8102% | 5,668 |
| Net charge-offs to loans | 0.2692% | 1,027 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | -2.9808% | 4,203 |
| Efficiency ratio | 113.2933% | 109 |
| Assets per employee ($millions) | 3.3361% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 3,680 |
| Loan loss allowance to noncurrent loans | 56.8513% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 2.1942% | 597 |
| Noncurrent loans to loans | 1.9447% | 943 |
| Net loans and leases to total assets | 52.2856% | 4,579 |
| Net loans and leases to deposits | 59.1148% | 4,727 |
| Net loans and leases to core deposits | 60.8873% | 4,815 |
| Total domestic deposits to total assets | 88.4476% | 1,407 |
| Equity capital to assets | 9.0255% | 4,787 |
| Core capital (leverage) ratio | 8.6605% | 5,115 |
| Tier 1 risk-based capital ratio | 22.0538% | 1,074 |
| Total risk-based capital ratio | 23.3062% | 1,045 |
| Memoranda: | ||
| Average total assets | $35,226,000 | 5,633 |
| Average earning assets | $31,455,200 | 5,638 |
| Average equity | $3,076,800 | 5,751 |
| Average total loans | $19,314,200 | 5,540 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7024% | 4,245 |
| Cost of funding earning assets | 0.7772% | 557 |
| Net interest margin | 2.9251% | 5,142 |
| Noninterest income to average assets | 0.7098% | 2,126 |
| Noninterest expense to average assets | 3.7991% | 746 |
| Loan and lease loss provision to assets | 0.1942% | 1,110 |
| Net operating income to assets | -0.4781% | 5,852 |
| Return on assets (ROA) | -0.4781% | 5,857 |
| Pretax return on assets | -0.6687% | 5,878 |
| Return on Equity (ROE) | -5.5172% | 5,869 |
| Retained earnings to average equity (ytd only) | -5.5172% | 5,748 |
| Net charge-offs to loans | 0.3513% | 645 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | -2.4424% | 3,875 |
| Efficiency ratio | 114.2697% | 105 |
| Assets per employee ($millions) | 3.5591% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 4,048 |
| Loan loss allowance to noncurrent loans | 48.7500% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 2.2478% | 643 |
| Noncurrent loans to loans | 2.1853% | 860 |
| Net loans and leases to total assets | 50.8808% | 4,750 |
| Net loans and leases to deposits | 57.1154% | 4,927 |
| Net loans and leases to core deposits | 58.7021% | 5,012 |
| Total domestic deposits to total assets | 89.0843% | 862 |
| Equity capital to assets | 8.5134% | 5,522 |
| Core capital (leverage) ratio | 8.2606% | 5,530 |
| Tier 1 risk-based capital ratio | 21.0534% | 1,259 |
| Total risk-based capital ratio | 22.3041% | 1,239 |
| Memoranda: | ||
| Average total assets | $35,692,250 | 5,681 |
| Average earning assets | $31,906,750 | 5,688 |
| Average equity | $3,093,250 | 5,811 |
| Average total loans | $19,733,250 | 5,581 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7370% | 4,164 |
| Cost of funding earning assets | 0.7699% | 570 |
| Net interest margin | 2.9671% | 5,137 |
| Noninterest income to average assets | 0.6998% | 2,144 |
| Noninterest expense to average assets | 3.7732% | 798 |
| Loan and lease loss provision to assets | 0.2911% | 626 |
| Net operating income to assets | -0.5094% | 5,927 |
| Return on assets (ROA) | -0.5094% | 5,929 |
| Pretax return on assets | -0.7110% | 5,950 |
| Return on Equity (ROE) | -5.8440% | 5,938 |
| Retained earnings to average equity (ytd only) | -5.8440% | 5,780 |
| Net charge-offs to loans | 0.5146% | 419 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | -1.4423% | 3,599 |
| Efficiency ratio | 112.5209% | 129 |
| Assets per employee ($millions) | 3.6050% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 4,584 |
| Loan loss allowance to noncurrent loans | 56.2319% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 2.2441% | 668 |
| Noncurrent loans to loans | 1.7567% | 1,195 |
| Net loans and leases to total assets | 53.9390% | 4,516 |
| Net loans and leases to deposits | 60.8245% | 4,745 |
| Net loans and leases to core deposits | 63.0063% | 4,812 |
| Total domestic deposits to total assets | 88.6796% | 1,075 |
| Equity capital to assets | 8.5132% | 5,589 |
| Core capital (leverage) ratio | 8.2595% | 5,563 |
| Tier 1 risk-based capital ratio | 20.4914% | 1,350 |
| Total risk-based capital ratio | 21.7400% | 1,328 |
| Memoranda: | ||
| Average total assets | $35,726,000 | 5,748 |
| Average earning assets | $31,950,670 | 5,752 |
| Average equity | $3,114,330 | 5,879 |
| Average total loans | $20,209,670 | 5,628 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6609% | 4,448 |
| Cost of funding earning assets | 0.7800% | 544 |
| Net interest margin | 2.8809% | 5,356 |
| Noninterest income to average assets | 0.5511% | 2,798 |
| Noninterest expense to average assets | 3.3067% | 1,584 |
| Loan and lease loss provision to assets | 0.5849% | 193 |
| Net operating income to assets | -0.5061% | 5,964 |
| Return on assets (ROA) | -0.5061% | 5,971 |
| Pretax return on assets | -0.7648% | 6,001 |
| Return on Equity (ROE) | -5.7380% | 5,982 |
| Retained earnings to average equity (ytd only) | -5.7380% | 5,640 |
| Net charge-offs to loans | 1.0149% | 181 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | -0.3077% | 2,993 |
| Efficiency ratio | 105.7554% | 196 |
| Assets per employee ($millions) | 3.5864% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 4,787 |
| Loan loss allowance to noncurrent loans | 153.5433% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 1.6507% | 1,190 |
| Noncurrent loans to loans | 0.6276% | 3,285 |
| Net loans and leases to total assets | 55.8778% | 4,271 |
| Net loans and leases to deposits | 63.0149% | 4,505 |
| Net loans and leases to core deposits | 65.2833% | 4,596 |
| Total domestic deposits to total assets | 88.6739% | 1,254 |
| Equity capital to assets | 8.6856% | 5,433 |
| Core capital (leverage) ratio | 8.5326% | 5,365 |
| Tier 1 risk-based capital ratio | 19.9616% | 1,504 |
| Total risk-based capital ratio | 21.2112% | 1,477 |
| Memoranda: | ||
| Average total assets | $35,564,000 | 5,811 |
| Average earning assets | $31,795,500 | 5,817 |
| Average equity | $3,137,000 | 5,931 |
| Average total loans | $20,495,000 | 5,665 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 3,836 |
| Cost of funding earning assets | 0.7599% | 608 |
| Net interest margin | 3.1026% | 4,895 |
| Noninterest income to average assets | 0.7371% | 2,035 |
| Noninterest expense to average assets | 3.4350% | 1,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0563% | 5,807 |
| Return on assets (ROA) | 0.0563% | 5,844 |
| Pretax return on assets | 0.0703% | 5,823 |
| Return on Equity (ROE) | 0.6364% | 5,821 |
| Retained earnings to average equity (ytd only) | 0.6364% | 5,259 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9936% | 340 |
| Assets per employee ($millions) | 3.5264% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 4,919 |
| Loan loss allowance to noncurrent loans | 263.5135% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 1.3527% | 1,556 |
| Noncurrent loans to loans | 0.3565% | 4,179 |
| Net loans and leases to total assets | 58.3031% | 4,040 |
| Net loans and leases to deposits | 66.4297% | 4,280 |
| Net loans and leases to core deposits | 68.3125% | 4,422 |
| Total domestic deposits to total assets | 87.7666% | 1,766 |
| Equity capital to assets | 8.9581% | 5,162 |
| Core capital (leverage) ratio | 8.6302% | 5,302 |
| Tier 1 risk-based capital ratio | 20.4585% | 1,395 |
| Total risk-based capital ratio | 21.7214% | 1,369 |
| Memoranda: | ||
| Average total assets | $35,545,600 | 5,861 |
| Average earning assets | $31,715,000 | 5,862 |
| Average equity | $3,142,800 | 5,980 |
| Average total loans | $21,023,400 | 5,680 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8418% | 3,961 |
| Cost of funding earning assets | 0.7432% | 673 |
| Net interest margin | 3.0986% | 4,973 |
| Noninterest income to average assets | 0.7375% | 2,078 |
| Noninterest expense to average assets | 3.4291% | 1,415 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0637% | 5,883 |
| Return on assets (ROA) | 0.0637% | 5,922 |
| Pretax return on assets | 0.0711% | 5,915 |
| Return on Equity (ROE) | 0.7223% | 5,893 |
| Retained earnings to average equity (ytd only) | 0.7223% | 5,398 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9679% | 355 |
| Assets per employee ($millions) | 3.5372% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 5,063 |
| Loan loss allowance to noncurrent loans | 263.5135% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 1.3514% | 1,722 |
| Noncurrent loans to loans | 0.3536% | 4,343 |
| Net loans and leases to total assets | 58.6085% | 4,066 |
| Net loans and leases to deposits | 66.6163% | 4,317 |
| Net loans and leases to core deposits | 68.4915% | 4,500 |
| Total domestic deposits to total assets | 87.9792% | 1,569 |
| Equity capital to assets | 8.9251% | 5,376 |
| Core capital (leverage) ratio | 8.6003% | 5,465 |
| Tier 1 risk-based capital ratio | 20.6017% | 1,421 |
| Total risk-based capital ratio | 21.8546% | 1,384 |
| Memoranda: | ||
| Average total assets | $35,616,000 | 5,936 |
| Average earning assets | $31,755,250 | 5,940 |
| Average equity | $3,138,750 | 6,064 |
| Average total loans | $21,090,500 | 5,748 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8418% | 3,911 |
| Cost of funding earning assets | 0.7345% | 699 |
| Net interest margin | 3.1073% | 4,953 |
| Noninterest income to average assets | 0.6891% | 2,258 |
| Noninterest expense to average assets | 3.4568% | 1,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0056% | 5,984 |
| Return on assets (ROA) | 0.0056% | 6,021 |
| Pretax return on assets | 0.0056% | 6,010 |
| Return on Equity (ROE) | 0.0638% | 6,018 |
| Retained earnings to average equity (ytd only) | 0.0638% | 5,483 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8382% | 326 |
| Assets per employee ($millions) | 3.5682% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 5,266 |
| Loan loss allowance to noncurrent loans | 267.1233% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 1.3368% | 1,878 |
| Noncurrent loans to loans | 0.3409% | 4,469 |
| Net loans and leases to total assets | 59.4586% | 3,912 |
| Net loans and leases to deposits | 67.5755% | 4,171 |
| Net loans and leases to core deposits | 70.0522% | 4,322 |
| Total domestic deposits to total assets | 87.9883% | 1,661 |
| Equity capital to assets | 8.7972% | 5,437 |
| Core capital (leverage) ratio | 8.6929% | 5,326 |
| Tier 1 risk-based capital ratio | 20.2294% | 1,502 |
| Total risk-based capital ratio | 21.4861% | 1,475 |
| Memoranda: | ||
| Average total assets | $35,697,330 | 6,003 |
| Average earning assets | $31,860,330 | 5,999 |
| Average equity | $3,132,670 | 6,124 |
| Average total loans | $21,145,330 | 5,805 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8196% | 3,929 |
| Cost of funding earning assets | 0.7413% | 690 |
| Net interest margin | 3.0783% | 5,008 |
| Noninterest income to average assets | 0.5826% | 2,752 |
| Noninterest expense to average assets | 3.3609% | 1,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0336% | 6,047 |
| Return on assets (ROA) | -0.0336% | 6,081 |
| Pretax return on assets | -0.0336% | 6,077 |
| Return on Equity (ROE) | -0.3834% | 6,089 |
| Retained earnings to average equity (ytd only) | -0.3834% | 5,448 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0101% | 343 |
| Assets per employee ($millions) | 3.5770% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 5,303 |
| Loan loss allowance to noncurrent loans | 158.5366% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.4733% | 1,788 |
| Noncurrent loans to loans | 0.5912% | 3,804 |
| Net loans and leases to total assets | 57.6153% | 4,005 |
| Net loans and leases to deposits | 65.4774% | 4,201 |
| Net loans and leases to core deposits | 67.8664% | 4,339 |
| Total domestic deposits to total assets | 87.9927% | 1,827 |
| Equity capital to assets | 8.7699% | 5,529 |
| Core capital (leverage) ratio | 8.6958% | 5,331 |
| Tier 1 risk-based capital ratio | 20.3609% | 1,548 |
| Total risk-based capital ratio | 21.5876% | 1,521 |
| Memoranda: | ||
| Average total assets | $35,705,000 | 6,060 |
| Average earning assets | $31,835,500 | 6,063 |
| Average equity | $3,129,500 | 6,187 |
| Average total loans | $21,012,500 | 5,855 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9677% | 3,846 |
| Cost of funding earning assets | 0.7331% | 937 |
| Net interest margin | 3.2346% | 4,816 |
| Noninterest income to average assets | 0.8072% | 1,846 |
| Noninterest expense to average assets | 3.7501% | 1,064 |
| Loan and lease loss provision to assets | 0.0297% | 4,016 |
| Net operating income to assets | 0.0162% | 6,070 |
| Return on assets (ROA) | 0.0162% | 6,090 |
| Pretax return on assets | -0.1134% | 6,143 |
| Return on Equity (ROE) | 0.1923% | 6,087 |
| Retained earnings to average equity (ytd only) | 0.1923% | 5,690 |
| Net charge-offs to loans | 0.0489% | 3,846 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | -2.8182% | 4,852 |
| Efficiency ratio | 102.2828% | 323 |
| Assets per employee ($millions) | 3.2400% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 5,413 |
| Loan loss allowance to noncurrent loans | 138.2979% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 1.5292% | 1,777 |
| Noncurrent loans to loans | 0.6644% | 3,690 |
| Net loans and leases to total assets | 58.9955% | 3,921 |
| Net loans and leases to deposits | 67.2423% | 4,197 |
| Net loans and leases to core deposits | 70.2929% | 4,301 |
| Total domestic deposits to total assets | 87.7357% | 1,904 |
| Equity capital to assets | 8.7598% | 5,525 |
| Core capital (leverage) ratio | 8.7368% | 5,311 |
| Tier 1 risk-based capital ratio | 19.8432% | 1,627 |
| Total risk-based capital ratio | 21.0862% | 1,601 |
| Memoranda: | ||
| Average total assets | $37,039,400 | 6,104 |
| Average earning assets | $32,739,600 | 6,123 |
| Average equity | $3,120,400 | 6,245 |
| Average total loans | $22,511,200 | 5,874 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 3,888 |
| Cost of funding earning assets | 0.7347% | 967 |
| Net interest margin | 3.2335% | 4,843 |
| Noninterest income to average assets | 0.7667% | 2,025 |
| Noninterest expense to average assets | 3.7835% | 992 |
| Loan and lease loss provision to assets | 0.0357% | 3,694 |
| Net operating income to assets | -0.0214% | 6,157 |
| Return on assets (ROA) | -0.0214% | 6,172 |
| Pretax return on assets | -0.1961% | 6,252 |
| Return on Equity (ROE) | -0.2564% | 6,175 |
| Retained earnings to average equity (ytd only) | -0.2564% | 5,844 |
| Net charge-offs to loans | 0.0584% | 3,381 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | -4.5011% | 4,602 |
| Efficiency ratio | 104.4291% | 288 |
| Assets per employee ($millions) | 3.3435% | 5,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8716% | 5,684 |
| Loan loss allowance to noncurrent loans | 237.8049% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 1.4492% | 2,132 |
| Noncurrent loans to loans | 0.3665% | 4,814 |
| Net loans and leases to total assets | 60.3024% | 3,736 |
| Net loans and leases to deposits | 69.3041% | 3,992 |
| Net loans and leases to core deposits | 71.7851% | 4,172 |
| Total domestic deposits to total assets | 87.0113% | 2,315 |
| Equity capital to assets | 8.4534% | 5,829 |
| Core capital (leverage) ratio | 8.4285% | 5,730 |
| Tier 1 risk-based capital ratio | 18.7239% | 1,980 |
| Total risk-based capital ratio | 19.9021% | 1,971 |
| Memoranda: | ||
| Average total assets | $37,389,250 | 6,170 |
| Average earning assets | $33,028,000 | 6,190 |
| Average equity | $3,120,000 | 6,317 |
| Average total loans | $22,833,750 | 5,922 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 3,754 |
| Cost of funding earning assets | 0.7357% | 988 |
| Net interest margin | 3.2563% | 4,756 |
| Noninterest income to average assets | 0.6437% | 2,582 |
| Noninterest expense to average assets | 3.7879% | 987 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0160% | 6,197 |
| Return on assets (ROA) | -0.0160% | 6,217 |
| Pretax return on assets | -0.2713% | 6,349 |
| Return on Equity (ROE) | -0.1921% | 6,222 |
| Retained earnings to average equity (ytd only) | -0.1921% | 5,716 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7156% | 261 |
| Assets per employee ($millions) | 3.3581% | 5,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 5,792 |
| Loan loss allowance to noncurrent loans | 237.8049% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 1.7488% | 1,860 |
| Noncurrent loans to loans | 0.3684% | 4,887 |
| Net loans and leases to total assets | 59.7228% | 3,768 |
| Net loans and leases to deposits | 67.9595% | 4,054 |
| Net loans and leases to core deposits | 70.3521% | 4,230 |
| Total domestic deposits to total assets | 87.8800% | 1,978 |
| Equity capital to assets | 8.4247% | 5,861 |
| Core capital (leverage) ratio | 8.4024% | 5,739 |
| Tier 1 risk-based capital ratio | 18.8152% | 1,966 |
| Total risk-based capital ratio | 19.9976% | 1,952 |
| Memoranda: | ||
| Average total assets | $37,593,000 | 6,226 |
| Average earning assets | $33,166,000 | 6,245 |
| Average equity | $3,123,670 | 6,365 |
| Average total loans | $22,987,330 | 5,962 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0523% | 3,461 |
| Cost of funding earning assets | 0.7313% | 1,068 |
| Net interest margin | 3.3210% | 4,454 |
| Noninterest income to average assets | 0.5696% | 2,920 |
| Noninterest expense to average assets | 3.4705% | 1,547 |
| Loan and lease loss provision to assets | 0.2215% | 1,021 |
| Net operating income to assets | 0.3059% | 5,469 |
| Return on assets (ROA) | 0.3059% | 5,519 |
| Pretax return on assets | -0.2004% | 6,346 |
| Return on Equity (ROE) | 3.7067% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.7067% | 3,910 |
| Net charge-offs to loans | 0.3597% | 1,001 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 0.0952% | 3,420 |
| Efficiency ratio | 99.3958% | 486 |
| Assets per employee ($millions) | 3.7610% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8454% | 6,014 |
| Loan loss allowance to noncurrent loans | 175.6757% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 2.1617% | 1,538 |
| Noncurrent loans to loans | 0.4812% | 4,717 |
| Net loans and leases to total assets | 60.8110% | 3,428 |
| Net loans and leases to deposits | 69.1364% | 3,718 |
| Net loans and leases to core deposits | 71.5188% | 3,920 |
| Total domestic deposits to total assets | 87.9580% | 2,253 |
| Equity capital to assets | 8.3595% | 5,776 |
| Core capital (leverage) ratio | 8.3375% | 5,813 |
| Tier 1 risk-based capital ratio | 17.7339% | 2,397 |
| Total risk-based capital ratio | 18.8370% | 2,424 |
| Memoranda: | ||
| Average total assets | $37,920,000 | 6,286 |
| Average earning assets | $33,363,500 | 6,302 |
| Average equity | $3,129,500 | 6,418 |
| Average total loans | $23,353,000 | 6,008 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 4,051 |
| Cost of funding earning assets | 0.7686% | 1,389 |
| Net interest margin | 3.2431% | 4,857 |
| Noninterest income to average assets | 1.4217% | 690 |
| Noninterest expense to average assets | 3.8341% | 1,087 |
| Loan and lease loss provision to assets | 0.7044% | 324 |
| Net operating income to assets | -0.2348% | 6,385 |
| Return on assets (ROA) | -0.2348% | 6,398 |
| Pretax return on assets | -0.2425% | 6,386 |
| Return on Equity (ROE) | -2.8491% | 6,424 |
| Retained earnings to average equity (ytd only) | -2.8491% | 6,255 |
| Net charge-offs to loans | 1.0927% | 512 |
| Credit loss provision to net charge-offs | 105.0000% | 2,302 |
| Earnings coverage of net charge-offs (x) | 0.6885% | 4,856 |
| Efficiency ratio | 89.2492% | 1,090 |
| Assets per employee ($millions) | 3.1858% | 5,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 6,113 |
| Loan loss allowance to noncurrent loans | 348.2143% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 2.7413% | 1,212 |
| Noncurrent loans to loans | 0.2369% | 5,472 |
| Net loans and leases to total assets | 61.3262% | 3,478 |
| Net loans and leases to deposits | 71.3416% | 3,610 |
| Net loans and leases to core deposits | 73.8123% | 3,858 |
| Total domestic deposits to total assets | 85.9613% | 3,276 |
| Equity capital to assets | 8.1481% | 5,904 |
| Core capital (leverage) ratio | 8.1312% | 6,030 |
| Tier 1 risk-based capital ratio | 16.7973% | 2,712 |
| Total risk-based capital ratio | 17.8512% | 2,764 |
| Memoranda: | ||
| Average total assets | $38,757,600 | 6,323 |
| Average earning assets | $34,350,200 | 6,341 |
| Average equity | $3,194,000 | 6,499 |
| Average total loans | $23,794,200 | 6,042 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 4,201 |
| Cost of funding earning assets | 0.7719% | 1,473 |
| Net interest margin | 3.2112% | 4,963 |
| Noninterest income to average assets | 1.3611% | 784 |
| Noninterest expense to average assets | 3.5724% | 1,452 |
| Loan and lease loss provision to assets | 0.7268% | 298 |
| Net operating income to assets | -0.0754% | 6,362 |
| Return on assets (ROA) | -0.0754% | 6,400 |
| Pretax return on assets | -0.0857% | 6,387 |
| Return on Equity (ROE) | -0.9126% | 6,421 |
| Retained earnings to average equity (ytd only) | -0.9126% | 6,122 |
| Net charge-offs to loans | 1.1860% | 458 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 0.8821% | 4,555 |
| Efficiency ratio | 84.7844% | 1,501 |
| Assets per employee ($millions) | 2.9388% | 5,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7714% | 6,326 |
| Loan loss allowance to noncurrent loans | 79.7357% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 3.1854% | 1,128 |
| Noncurrent loans to loans | 0.9675% | 3,877 |
| Net loans and leases to total assets | 60.9397% | 3,532 |
| Net loans and leases to deposits | 71.6325% | 3,559 |
| Net loans and leases to core deposits | 73.6353% | 3,893 |
| Total domestic deposits to total assets | 85.0726% | 3,708 |
| Equity capital to assets | 8.3314% | 5,890 |
| Core capital (leverage) ratio | 8.3170% | 5,955 |
| Tier 1 risk-based capital ratio | 16.9748% | 2,717 |
| Total risk-based capital ratio | 17.9419% | 2,821 |
| Memoranda: | ||
| Average total assets | $38,889,500 | 6,387 |
| Average earning assets | $34,545,500 | 6,403 |
| Average equity | $3,213,750 | 6,567 |
| Average total loans | $23,832,750 | 6,101 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9614% | 4,255 |
| Cost of funding earning assets | 0.7923% | 1,455 |
| Net interest margin | 3.1691% | 5,047 |
| Noninterest income to average assets | 1.7128% | 562 |
| Noninterest expense to average assets | 3.7272% | 1,209 |
| Loan and lease loss provision to assets | 0.6698% | 356 |
| Net operating income to assets | 0.1534% | 6,018 |
| Return on assets (ROA) | 0.1534% | 6,129 |
| Pretax return on assets | 0.1380% | 6,176 |
| Return on Equity (ROE) | 1.8610% | 6,001 |
| Retained earnings to average equity (ytd only) | 1.8610% | 5,086 |
| Net charge-offs to loans | 1.0937% | 550 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 1.2061% | 4,138 |
| Efficiency ratio | 82.1871% | 1,860 |
| Assets per employee ($millions) | 2.9278% | 5,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7767% | 6,400 |
| Loan loss allowance to noncurrent loans | 69.8842% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 3.4445% | 1,126 |
| Noncurrent loans to loans | 1.1114% | 3,705 |
| Net loans and leases to total assets | 60.7498% | 3,528 |
| Net loans and leases to deposits | 71.5276% | 3,521 |
| Net loans and leases to core deposits | 73.5339% | 3,866 |
| Total domestic deposits to total assets | 84.9321% | 3,916 |
| Equity capital to assets | 8.4995% | 5,764 |
| Core capital (leverage) ratio | 8.4851% | 5,688 |
| Tier 1 risk-based capital ratio | 17.7505% | 2,413 |
| Total risk-based capital ratio | 18.7455% | 2,486 |
| Memoranda: | ||
| Average total assets | $39,117,670 | 6,431 |
| Average earning assets | $34,836,330 | 6,436 |
| Average equity | $3,224,000 | 6,616 |
| Average total loans | $23,956,000 | 6,130 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9152% | 4,416 |
| Cost of funding earning assets | 0.8100% | 1,475 |
| Net interest margin | 3.1052% | 5,244 |
| Noninterest income to average assets | 1.2914% | 918 |
| Noninterest expense to average assets | 3.8844% | 1,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2522% | 5,719 |
| Return on assets (ROA) | 0.2522% | 5,837 |
| Pretax return on assets | 0.1917% | 6,097 |
| Return on Equity (ROE) | 3.1070% | 5,544 |
| Retained earnings to average equity (ytd only) | 3.1070% | 4,412 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2970% | 763 |
| Assets per employee ($millions) | 3.0147% | 5,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7663% | 6,508 |
| Loan loss allowance to noncurrent loans | 17.1214% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 4.7281% | 788 |
| Noncurrent loans to loans | 4.4754% | 931 |
| Net loans and leases to total assets | 60.1414% | 3,403 |
| Net loans and leases to deposits | 68.9000% | 3,652 |
| Net loans and leases to core deposits | 70.7213% | 3,978 |
| Total domestic deposits to total assets | 87.2879% | 2,767 |
| Equity capital to assets | 8.2442% | 6,220 |
| Core capital (leverage) ratio | 8.2302% | 5,902 |
| Tier 1 risk-based capital ratio | 17.8482% | 2,428 |
| Total risk-based capital ratio | 18.8555% | 2,487 |
| Memoranda: | ||
| Average total assets | $39,646,000 | 6,473 |
| Average earning assets | $35,553,500 | 6,480 |
| Average equity | $3,218,500 | 6,676 |
| Average total loans | $24,282,500 | 6,161 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1504% | 4,768 |
| Cost of funding earning assets | 0.9311% | 1,755 |
| Net interest margin | 3.2193% | 5,522 |
| Noninterest income to average assets | 0.8648% | 1,973 |
| Noninterest expense to average assets | 3.4468% | 1,953 |
| Loan and lease loss provision to assets | 0.3661% | 1,795 |
| Net operating income to assets | -0.0516% | 6,240 |
| Return on assets (ROA) | -0.0516% | 6,349 |
| Pretax return on assets | -0.0344% | 6,313 |
| Return on Equity (ROE) | -0.6561% | 6,358 |
| Retained earnings to average equity (ytd only) | -0.6561% | 5,962 |
| Net charge-offs to loans | 0.3440% | 2,912 |
| Credit loss provision to net charge-offs | 167.4157% | 1,585 |
| Earnings coverage of net charge-offs (x) | 1.5169% | 4,685 |
| Efficiency ratio | 91.2224% | 968 |
| Assets per employee ($millions) | 3.0847% | 5,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7335% | 6,593 |
| Loan loss allowance to noncurrent loans | 61.6949% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.1147% | 3,791 |
| Noncurrent loans to loans | 1.1889% | 3,869 |
| Net loans and leases to total assets | 61.4224% | 3,353 |
| Net loans and leases to deposits | 70.7157% | 3,599 |
| Net loans and leases to core deposits | 72.5465% | 3,970 |
| Total domestic deposits to total assets | 86.8582% | 2,905 |
| Equity capital to assets | 7.9948% | 6,408 |
| Core capital (leverage) ratio | 7.9833% | 6,209 |
| Tier 1 risk-based capital ratio | 17.7794% | 2,348 |
| Total risk-based capital ratio | 18.7903% | 2,413 |
| Memoranda: | ||
| Average total assets | $40,704,600 | 6,482 |
| Average earning assets | $36,839,800 | 6,477 |
| Average equity | $3,200,800 | 6,742 |
| Average total loans | $25,871,400 | 6,145 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 4,701 |
| Cost of funding earning assets | 0.9569% | 1,816 |
| Net interest margin | 3.2751% | 5,473 |
| Noninterest income to average assets | 0.8061% | 2,213 |
| Noninterest expense to average assets | 3.3744% | 2,070 |
| Loan and lease loss provision to assets | 0.4308% | 1,473 |
| Net operating income to assets | -0.0620% | 6,356 |
| Return on assets (ROA) | -0.0620% | 6,471 |
| Pretax return on assets | -0.0392% | 6,436 |
| Return on Equity (ROE) | -0.7917% | 6,488 |
| Retained earnings to average equity (ytd only) | -0.7917% | 6,245 |
| Net charge-offs to loans | 0.3724% | 2,610 |
| Credit loss provision to net charge-offs | 180.8219% | 1,539 |
| Earnings coverage of net charge-offs (x) | 1.6439% | 4,456 |
| Efficiency ratio | 89.6014% | 1,069 |
| Assets per employee ($millions) | 3.3894% | 5,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7169% | 6,730 |
| Loan loss allowance to noncurrent loans | 38.4778% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 1.9792% | 2,678 |
| Noncurrent loans to loans | 1.8631% | 2,998 |
| Net loans and leases to total assets | 61.9723% | 3,383 |
| Net loans and leases to deposits | 70.8850% | 3,774 |
| Net loans and leases to core deposits | 72.6775% | 4,174 |
| Total domestic deposits to total assets | 87.4265% | 2,403 |
| Equity capital to assets | 7.8824% | 6,643 |
| Core capital (leverage) ratio | 7.8711% | 6,420 |
| Tier 1 risk-based capital ratio | 18.2580% | 2,248 |
| Total risk-based capital ratio | 19.2961% | 2,294 |
| Memoranda: | ||
| Average total assets | $40,855,500 | 6,556 |
| Average earning assets | $36,923,500 | 6,550 |
| Average equity | $3,199,500 | 6,832 |
| Average total loans | $26,136,000 | 6,209 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 4,386 |
| Cost of funding earning assets | 0.9799% | 1,881 |
| Net interest margin | 3.3674% | 5,210 |
| Noninterest income to average assets | 0.7234% | 2,541 |
| Noninterest expense to average assets | 3.3092% | 2,283 |
| Loan and lease loss provision to assets | 0.6061% | 978 |
| Net operating income to assets | -0.1613% | 6,502 |
| Return on assets (ROA) | -0.1613% | 6,588 |
| Pretax return on assets | -0.1515% | 6,557 |
| Return on Equity (ROE) | -2.0642% | 6,624 |
| Retained earnings to average equity (ytd only) | -2.0642% | 6,367 |
| Net charge-offs to loans | 0.4927% | 2,106 |
| Credit loss provision to net charge-offs | 190.7692% | 1,485 |
| Earnings coverage of net charge-offs (x) | 1.4308% | 4,285 |
| Efficiency ratio | 87.9221% | 1,244 |
| Assets per employee ($millions) | 3.1593% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7099% | 6,817 |
| Loan loss allowance to noncurrent loans | 70.7031% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.5096% | 3,437 |
| Noncurrent loans to loans | 1.0041% | 4,499 |
| Net loans and leases to total assets | 61.6347% | 3,506 |
| Net loans and leases to deposits | 71.3452% | 3,712 |
| Net loans and leases to core deposits | 73.6879% | 4,069 |
| Total domestic deposits to total assets | 86.3894% | 3,147 |
| Equity capital to assets | 7.7743% | 6,683 |
| Core capital (leverage) ratio | 7.7631% | 6,475 |
| Tier 1 risk-based capital ratio | 16.7112% | 2,803 |
| Total risk-based capital ratio | 17.6600% | 2,921 |
| Memoranda: | ||
| Average total assets | $40,916,330 | 6,597 |
| Average earning assets | $36,942,330 | 6,588 |
| Average equity | $3,197,330 | 6,871 |
| Average total loans | $26,385,330 | 6,238 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4007% | 4,331 |
| Cost of funding earning assets | 1.0214% | 1,859 |
| Net interest margin | 3.3793% | 5,199 |
| Noninterest income to average assets | 0.7346% | 2,469 |
| Noninterest expense to average assets | 3.3204% | 2,228 |
| Loan and lease loss provision to assets | 0.9501% | 447 |
| Net operating income to assets | -0.5093% | 6,831 |
| Return on assets (ROA) | -0.5093% | 6,860 |
| Pretax return on assets | -0.4897% | 6,823 |
| Return on Equity (ROE) | -6.5010% | 6,907 |
| Retained earnings to average equity (ytd only) | -6.5010% | 6,692 |
| Net charge-offs to loans | 0.9690% | 1,068 |
| Credit loss provision to net charge-offs | 149.2308% | 1,677 |
| Earnings coverage of net charge-offs (x) | 0.7231% | 3,977 |
| Efficiency ratio | 87.8238% | 1,299 |
| Assets per employee ($millions) | 3.0934% | 5,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5746% | 7,004 |
| Loan loss allowance to noncurrent loans | 114.9254% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 1.4945% | 3,623 |
| Noncurrent loans to loans | 0.5000% | 5,674 |
| Net loans and leases to total assets | 66.2580% | 2,422 |
| Net loans and leases to deposits | 75.5073% | 2,888 |
| Net loans and leases to core deposits | 77.9937% | 3,322 |
| Total domestic deposits to total assets | 87.7505% | 2,496 |
| Equity capital to assets | 7.8903% | 6,590 |
| Core capital (leverage) ratio | 7.8903% | 6,340 |
| Tier 1 risk-based capital ratio | 17.4274% | 2,506 |
| Total risk-based capital ratio | 18.2732% | 2,634 |
| Memoranda: | ||
| Average total assets | $40,839,000 | 6,655 |
| Average earning assets | $36,812,000 | 6,651 |
| Average equity | $3,199,500 | 6,922 |
| Average total loans | $26,830,500 | 6,260 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7009% | 4,244 |
| Cost of funding earning assets | 1.2666% | 1,649 |
| Net interest margin | 3.4344% | 5,385 |
| Noninterest income to average assets | 0.6529% | 2,872 |
| Noninterest expense to average assets | 3.4389% | 2,143 |
| Loan and lease loss provision to assets | 0.0871% | 5,502 |
| Net operating income to assets | 0.1572% | 5,712 |
| Return on assets (ROA) | 0.1572% | 5,853 |
| Pretax return on assets | 0.2418% | 5,687 |
| Return on Equity (ROE) | 2.0339% | 5,648 |
| Retained earnings to average equity (ytd only) | 2.0339% | 4,763 |
| Net charge-offs to loans | -0.0109% | 6,893 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2709% | 1,099 |
| Assets per employee ($millions) | 3.1895% | 5,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4318% | 7,147 |
| Loan loss allowance to noncurrent loans | 38.1579% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 1.2155% | 4,204 |
| Noncurrent loans to loans | 1.1317% | 4,469 |
| Net loans and leases to total assets | 64.5041% | 3,080 |
| Net loans and leases to deposits | 75.3005% | 3,295 |
| Net loans and leases to core deposits | 79.2498% | 3,541 |
| Total domestic deposits to total assets | 85.6623% | 3,505 |
| Equity capital to assets | 7.7802% | 6,698 |
| Core capital (leverage) ratio | 7.7802% | 6,459 |
| Tier 1 risk-based capital ratio | 17.8469% | 2,250 |
| Total risk-based capital ratio | 18.4886% | 2,463 |
| Memoranda: | ||
| Average total assets | $41,350,800 | 6,621 |
| Average earning assets | $37,503,400 | 6,621 |
| Average equity | $3,195,800 | 6,966 |
| Average total loans | $27,574,400 | 6,265 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7933% | 4,043 |
| Cost of funding earning assets | 1.2934% | 1,739 |
| Net interest margin | 3.5000% | 5,190 |
| Noninterest income to average assets | 0.5195% | 3,730 |
| Noninterest expense to average assets | 3.3621% | 2,303 |
| Loan and lease loss provision to assets | 0.1000% | 5,205 |
| Net operating income to assets | 0.2097% | 5,677 |
| Return on assets (ROA) | 0.2097% | 5,805 |
| Pretax return on assets | 0.2355% | 5,830 |
| Return on Equity (ROE) | 2.7181% | 5,533 |
| Retained earnings to average equity (ytd only) | 2.7181% | 4,725 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9250% | 1,116 |
| Assets per employee ($millions) | 3.2736% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4137% | 7,219 |
| Loan loss allowance to noncurrent loans | 35.7595% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 1.2242% | 4,349 |
| Noncurrent loans to loans | 1.1570% | 4,608 |
| Net loans and leases to total assets | 63.9119% | 3,326 |
| Net loans and leases to deposits | 74.6262% | 3,570 |
| Net loans and leases to core deposits | 80.3254% | 3,589 |
| Total domestic deposits to total assets | 85.6428% | 3,423 |
| Equity capital to assets | 7.5804% | 6,904 |
| Core capital (leverage) ratio | 7.5804% | 6,713 |
| Tier 1 risk-based capital ratio | 17.8360% | 2,317 |
| Total risk-based capital ratio | 18.4608% | 2,521 |
| Memoranda: | ||
| Average total assets | $41,322,500 | 6,675 |
| Average earning assets | $37,523,250 | 6,680 |
| Average equity | $3,188,250 | 7,024 |
| Average total loans | $27,752,500 | 6,317 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 3,780 |
| Cost of funding earning assets | 1.3376% | 1,713 |
| Net interest margin | 3.5274% | 5,027 |
| Noninterest income to average assets | 0.3911% | 4,750 |
| Noninterest expense to average assets | 3.3536% | 2,391 |
| Loan and lease loss provision to assets | 0.0342% | 5,883 |
| Net operating income to assets | 0.1907% | 5,767 |
| Return on assets (ROA) | 0.1907% | 5,880 |
| Pretax return on assets | 0.2004% | 5,931 |
| Return on Equity (ROE) | 2.4562% | 5,619 |
| Retained earnings to average equity (ytd only) | 2.4562% | 4,724 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4605% | 1,013 |
| Assets per employee ($millions) | 3.1924% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3535% | 7,321 |
| Loan loss allowance to noncurrent loans | 426.0870% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 5,779 |
| Noncurrent loans to loans | 0.0830% | 6,774 |
| Net loans and leases to total assets | 66.5550% | 2,920 |
| Net loans and leases to deposits | 78.4977% | 3,039 |
| Net loans and leases to core deposits | 84.0592% | 3,203 |
| Total domestic deposits to total assets | 84.7859% | 3,977 |
| Equity capital to assets | 7.7082% | 6,850 |
| Core capital (leverage) ratio | 7.7082% | 6,582 |
| Tier 1 risk-based capital ratio | 17.6185% | 2,301 |
| Total risk-based capital ratio | 18.1583% | 2,532 |
| Memoranda: | ||
| Average total assets | $40,911,000 | 6,756 |
| Average earning assets | $37,080,670 | 6,759 |
| Average equity | $3,175,670 | 7,080 |
| Average total loans | $27,899,330 | 6,369 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9826% | 3,179 |
| Cost of funding earning assets | 1.3925% | 1,647 |
| Net interest margin | 3.5901% | 4,614 |
| Noninterest income to average assets | 0.3053% | 5,487 |
| Noninterest expense to average assets | 3.4765% | 2,072 |
| Loan and lease loss provision to assets | -0.0492% | 7,467 |
| Net operating income to assets | 0.1083% | 6,074 |
| Return on assets (ROA) | 0.1083% | 6,128 |
| Pretax return on assets | 0.1280% | 6,112 |
| Return on Equity (ROE) | 1.3906% | 6,024 |
| Retained earnings to average equity (ytd only) | 1.3906% | 5,269 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7839% | 844 |
| Assets per employee ($millions) | 3.1139% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3465% | 7,378 |
| Loan loss allowance to noncurrent loans | 38.3399% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 1.1833% | 4,583 |
| Noncurrent loans to loans | 0.9038% | 5,240 |
| Net loans and leases to total assets | 68.9089% | 2,348 |
| Net loans and leases to deposits | 80.1857% | 2,687 |
| Net loans and leases to core deposits | 84.6149% | 3,083 |
| Total domestic deposits to total assets | 85.9366% | 3,554 |
| Equity capital to assets | 7.8284% | 6,657 |
| Core capital (leverage) ratio | 7.8284% | 6,438 |
| Tier 1 risk-based capital ratio | 17.0891% | 2,441 |
| Total risk-based capital ratio | 17.6122% | 2,694 |
| Memoranda: | ||
| Average total assets | $40,616,000 | 6,810 |
| Average earning assets | $36,768,000 | 6,815 |
| Average equity | $3,164,000 | 7,121 |
| Average total loans | $27,989,500 | 6,418 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9624% | 4,735 |
| Cost of funding earning assets | 1.7104% | 1,554 |
| Net interest margin | 3.2520% | 6,126 |
| Noninterest income to average assets | 0.6531% | 3,129 |
| Noninterest expense to average assets | 3.5183% | 2,127 |
| Loan and lease loss provision to assets | -0.0077% | 7,573 |
| Net operating income to assets | 0.0561% | 5,682 |
| Return on assets (ROA) | 0.0561% | 5,833 |
| Pretax return on assets | 0.0918% | 5,715 |
| Return on Equity (ROE) | 0.6993% | 5,781 |
| Retained earnings to average equity (ytd only) | 0.6993% | 5,212 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6629% | 882 |
| Assets per employee ($millions) | 3.3959% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3680% | 7,447 |
| Loan loss allowance to noncurrent loans | 78.0303% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.1067% | 4,797 |
| Noncurrent loans to loans | 0.4716% | 6,098 |
| Net loans and leases to total assets | 68.4253% | 2,880 |
| Net loans and leases to deposits | 80.5710% | 3,066 |
| Net loans and leases to core deposits | 85.6809% | 3,367 |
| Total domestic deposits to total assets | 84.9255% | 3,897 |
| Equity capital to assets | 7.7520% | 6,705 |
| Core capital (leverage) ratio | 7.7520% | 6,494 |
| Tier 1 risk-based capital ratio | 17.5111% | 2,169 |
| Total risk-based capital ratio | 18.0820% | 2,379 |
| Memoranda: | ||
| Average total assets | $39,195,600 | 6,895 |
| Average earning assets | $35,547,600 | 6,893 |
| Average equity | $3,146,200 | 7,235 |
| Average total loans | $28,136,600 | 6,490 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9965% | 4,831 |
| Cost of funding earning assets | 1.7488% | 1,629 |
| Net interest margin | 3.2477% | 6,180 |
| Noninterest income to average assets | 0.6837% | 2,919 |
| Noninterest expense to average assets | 3.5285% | 1,970 |
| Loan and lease loss provision to assets | 0.0378% | 6,703 |
| Net operating income to assets | 0.0653% | 5,853 |
| Return on assets (ROA) | 0.0653% | 5,992 |
| Pretax return on assets | 0.0653% | 5,979 |
| Return on Equity (ROE) | 0.8059% | 5,948 |
| Retained earnings to average equity (ytd only) | 0.8059% | 5,489 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1618% | 860 |
| Assets per employee ($millions) | 3.6506% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4168% | 7,515 |
| Loan loss allowance to noncurrent loans | 39.0000% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 1.6261% | 4,006 |
| Noncurrent loans to loans | 1.0688% | 5,102 |
| Net loans and leases to total assets | 69.6093% | 2,828 |
| Net loans and leases to deposits | 82.4378% | 3,023 |
| Net loans and leases to core deposits | 86.9293% | 3,531 |
| Total domestic deposits to total assets | 84.4386% | 3,901 |
| Equity capital to assets | 7.8616% | 6,893 |
| Core capital (leverage) ratio | 7.8616% | 6,506 |
| Tier 1 risk-based capital ratio | 17.3738% | 2,217 |
| Total risk-based capital ratio | 18.0177% | 2,391 |
| Memoranda: | ||
| Average total assets | $38,806,750 | 6,989 |
| Average earning assets | $35,223,750 | 6,984 |
| Average equity | $3,143,000 | 7,322 |
| Average total loans | $28,174,000 | 6,575 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 4,590 |
| Cost of funding earning assets | 1.7986% | 1,646 |
| Net interest margin | 3.2753% | 6,094 |
| Noninterest income to average assets | 0.7404% | 2,454 |
| Noninterest expense to average assets | 3.5717% | 1,851 |
| Loan and lease loss provision to assets | 0.0574% | 6,382 |
| Net operating income to assets | 0.0834% | 5,913 |
| Return on assets (ROA) | 0.0834% | 6,016 |
| Pretax return on assets | 0.0834% | 6,010 |
| Return on Equity (ROE) | 1.0197% | 5,951 |
| Retained earnings to average equity (ytd only) | 1.0197% | 5,361 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2079% | 955 |
| Assets per employee ($millions) | 3.0518% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4152% | 7,591 |
| Loan loss allowance to noncurrent loans | 62.2340% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.4821% | 4,241 |
| Noncurrent loans to loans | 0.6671% | 5,919 |
| Net loans and leases to total assets | 70.7383% | 2,732 |
| Net loans and leases to deposits | 84.2737% | 2,827 |
| Net loans and leases to core deposits | 89.6527% | 3,326 |
| Total domestic deposits to total assets | 83.9387% | 4,133 |
| Equity capital to assets | 7.9525% | 6,806 |
| Core capital (leverage) ratio | 7.9525% | 6,321 |
| Tier 1 risk-based capital ratio | 17.8118% | 2,005 |
| Total risk-based capital ratio | 18.4723% | 2,157 |
| Memoranda: | ||
| Average total assets | $38,356,670 | 7,055 |
| Average earning assets | $34,805,670 | 7,049 |
| Average equity | $3,138,330 | 7,372 |
| Average total loans | $28,208,670 | 6,619 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2608% | 3,726 |
| Cost of funding earning assets | 1.8588% | 1,619 |
| Net interest margin | 3.4020% | 5,574 |
| Noninterest income to average assets | 0.6154% | 3,168 |
| Noninterest expense to average assets | 3.8622% | 1,227 |
| Loan and lease loss provision to assets | 0.0318% | 6,358 |
| Net operating income to assets | -0.1910% | 6,536 |
| Return on assets (ROA) | -0.1910% | 6,609 |
| Pretax return on assets | -0.1910% | 6,550 |
| Return on Equity (ROE) | -2.3003% | 6,671 |
| Retained earnings to average equity (ytd only) | -2.3003% | 6,258 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2980% | 717 |
| Assets per employee ($millions) | 3.1765% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3931% | 7,694 |
| Loan loss allowance to noncurrent loans | 42.4710% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 1.4062% | 4,403 |
| Noncurrent loans to loans | 0.9256% | 5,467 |
| Net loans and leases to total assets | 73.1229% | 2,172 |
| Net loans and leases to deposits | 87.0950% | 2,395 |
| Net loans and leases to core deposits | 91.3480% | 3,192 |
| Total domestic deposits to total assets | 83.9577% | 4,164 |
| Equity capital to assets | 8.1851% | 6,452 |
| Core capital (leverage) ratio | 8.1851% | 5,933 |
| Tier 1 risk-based capital ratio | 17.8786% | 1,977 |
| Total risk-based capital ratio | 18.5090% | 2,126 |
| Memoranda: | ||
| Average total assets | $37,698,500 | 7,178 |
| Average earning assets | $34,215,500 | 7,156 |
| Average equity | $3,130,000 | 7,455 |
| Average total loans | $28,222,500 | 6,702 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7066% | 3,074 |
| Cost of funding earning assets | 2.3677% | 1,398 |
| Net interest margin | 3.3388% | 5,588 |
| Noninterest income to average assets | 0.5088% | 4,350 |
| Noninterest expense to average assets | 3.4923% | 2,393 |
| Loan and lease loss provision to assets | 0.1125% | 6,517 |
| Net operating income to assets | 0.0562% | 5,318 |
| Return on assets (ROA) | 0.0562% | 5,370 |
| Pretax return on assets | -0.0482% | 5,519 |
| Return on Equity (ROE) | 0.6771% | 5,334 |
| Retained earnings to average equity (ytd only) | 0.6771% | 4,524 |
| Net charge-offs to loans | 0.0373% | 6,746 |
| Credit loss provision to net charge-offs | 381.8182% | 835 |
| Earnings coverage of net charge-offs (x) | 2.1818% | 4,088 |
| Efficiency ratio | 98.1928% | 1,201 |
| Assets per employee ($millions) | 2.8676% | 6,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3865% | 7,770 |
| Loan loss allowance to noncurrent loans | 32.3529% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 1.3949% | 4,327 |
| Noncurrent loans to loans | 1.1946% | 4,946 |
| Net loans and leases to total assets | 76.0535% | 1,786 |
| Net loans and leases to deposits | 91.1816% | 2,017 |
| Net loans and leases to core deposits | 114.9903% | 2,416 |
| Total domestic deposits to total assets | 83.4089% | 4,331 |
| Equity capital to assets | 8.4230% | 6,025 |
| Core capital (leverage) ratio | 8.4230% | 5,404 |
| Tier 1 risk-based capital ratio | 17.4823% | 2,031 |
| Total risk-based capital ratio | 18.0948% | 2,167 |
| Memoranda: | ||
| Average total assets | $37,339,600 | 7,197 |
| Average earning assets | $34,083,600 | 7,181 |
| Average equity | $3,101,400 | 7,564 |
| Average total loans | $29,484,200 | 6,660 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7283% | 3,198 |
| Cost of funding earning assets | 2.4796% | 1,366 |
| Net interest margin | 3.2488% | 5,841 |
| Noninterest income to average assets | 0.4961% | 4,516 |
| Noninterest expense to average assets | 3.4979% | 2,285 |
| Loan and lease loss provision to assets | 0.0393% | 6,970 |
| Net operating income to assets | -0.0571% | 5,818 |
| Return on assets (ROA) | -0.0571% | 5,866 |
| Pretax return on assets | -0.0714% | 5,808 |
| Return on Equity (ROE) | -0.6899% | 5,885 |
| Retained earnings to average equity (ytd only) | -0.6899% | 5,404 |
| Net charge-offs to loans | 0.0493% | 6,227 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | -0.8180% | 6,595 |
| Efficiency ratio | 100.9269% | 1,020 |
| Assets per employee ($millions) | 3.1284% | 5,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3541% | 7,864 |
| Loan loss allowance to noncurrent loans | 30.3571% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 1.4171% | 4,269 |
| Noncurrent loans to loans | 1.1663% | 4,992 |
| Net loans and leases to total assets | 76.4657% | 1,900 |
| Net loans and leases to deposits | 91.4524% | 2,324 |
| Net loans and leases to core deposits | 113.9941% | 2,829 |
| Total domestic deposits to total assets | 83.6126% | 3,897 |
| Equity capital to assets | 8.2576% | 6,548 |
| Core capital (leverage) ratio | 8.2576% | 5,907 |
| Tier 1 risk-based capital ratio | 17.6226% | 2,093 |
| Total risk-based capital ratio | 18.2025% | 2,238 |
| Memoranda: | ||
| Average total assets | $37,354,750 | 7,259 |
| Average earning assets | $34,145,250 | 7,240 |
| Average equity | $3,091,750 | 7,636 |
| Average total loans | $29,739,750 | 6,696 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7114% | 3,471 |
| Cost of funding earning assets | 2.6121% | 1,252 |
| Net interest margin | 3.0993% | 6,243 |
| Noninterest income to average assets | 0.5309% | 4,175 |
| Noninterest expense to average assets | 3.5074% | 2,318 |
| Loan and lease loss provision to assets | 0.0590% | 6,631 |
| Net operating income to assets | -0.1823% | 6,160 |
| Return on assets (ROA) | -0.1823% | 6,184 |
| Pretax return on assets | -0.2038% | 6,128 |
| Return on Equity (ROE) | -2.2014% | 6,254 |
| Retained earnings to average equity (ytd only) | -2.2014% | 5,789 |
| Net charge-offs to loans | 0.0732% | 5,480 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | -2.4545% | 6,379 |
| Efficiency ratio | 104.3062% | 1,018 |
| Assets per employee ($millions) | 3.1250% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3380% | 7,959 |
| Loan loss allowance to noncurrent loans | 19.0926% | 7,178 |
| Noncurrent assets plus other real estate owned to assets | 1.9333% | 3,297 |
| Noncurrent loans to loans | 1.7704% | 3,849 |
| Net loans and leases to total assets | 79.4107% | 1,430 |
| Net loans and leases to deposits | 95.0677% | 1,943 |
| Net loans and leases to core deposits | 118.9115% | 2,462 |
| Total domestic deposits to total assets | 83.5307% | 4,000 |
| Equity capital to assets | 8.2187% | 6,463 |
| Core capital (leverage) ratio | 8.2187% | 5,951 |
| Tier 1 risk-based capital ratio | 17.4065% | 2,174 |
| Total risk-based capital ratio | 17.9770% | 2,336 |
| Memoranda: | ||
| Average total assets | $37,292,670 | 7,324 |
| Average earning assets | $34,072,000 | 7,312 |
| Average equity | $3,089,000 | 7,701 |
| Average total loans | $30,050,330 | 6,731 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8373% | 3,106 |
| Cost of funding earning assets | 2.7186% | 1,214 |
| Net interest margin | 3.1187% | 6,143 |
| Noninterest income to average assets | 0.6238% | 3,389 |
| Noninterest expense to average assets | 3.4311% | 2,277 |
| Loan and lease loss provision to assets | 0.0538% | 6,292 |
| Net operating income to assets | 0.0323% | 6,180 |
| Return on assets (ROA) | 0.0323% | 6,334 |
| Pretax return on assets | -0.0108% | 6,393 |
| Return on Equity (ROE) | 0.3880% | 6,310 |
| Retained earnings to average equity (ytd only) | 0.3880% | 5,501 |
| Net charge-offs to loans | 0.0664% | 4,545 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 0.8000% | 4,391 |
| Efficiency ratio | 98.7616% | 1,183 |
| Assets per employee ($millions) | 3.1303% | 5,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3426% | 8,002 |
| Loan loss allowance to noncurrent loans | 30.4217% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 1.4216% | 3,808 |
| Noncurrent loans to loans | 1.1261% | 4,732 |
| Net loans and leases to total assets | 78.2132% | 1,772 |
| Net loans and leases to deposits | 94.7253% | 2,150 |
| Net loans and leases to core deposits | 120.8258% | 2,347 |
| Total domestic deposits to total assets | 82.5684% | 4,345 |
| Equity capital to assets | 8.3032% | 6,389 |
| Core capital (leverage) ratio | 8.3032% | 5,898 |
| Tier 1 risk-based capital ratio | 17.5708% | 2,169 |
| Total risk-based capital ratio | 18.1398% | 2,307 |
| Memoranda: | ||
| Average total assets | $37,189,000 | 7,369 |
| Average earning assets | $33,988,500 | 7,354 |
| Average equity | $3,092,500 | 7,752 |
| Average total loans | $30,135,500 | 6,755 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0391% | 5,366 |
| Cost of funding earning assets | 3.3226% | 864 |
| Net interest margin | 2.7164% | 7,470 |
| Noninterest income to average assets | 0.2307% | 6,784 |
| Noninterest expense to average assets | 3.0941% | 3,716 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.2229% | 6,645 |
| Return on assets (ROA) | -0.2229% | 6,490 |
| Pretax return on assets | -0.3723% | 6,523 |
| Return on Equity (ROE) | -2.7263% | 6,586 |
| Retained earnings to average equity (ytd only) | -2.7263% | 6,040 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6802% | 638 |
| Assets per employee ($millions) | 2.8318% | 6,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3280% | 8,064 |
| Loan loss allowance to noncurrent loans | 36.0714% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 1.3093% | 3,603 |
| Noncurrent loans to loans | 0.9094% | 4,808 |
| Net loans and leases to total assets | 83.3623% | 982 |
| Net loans and leases to deposits | 103.2257% | 1,435 |
| Net loans and leases to core deposits | 129.4130% | 1,896 |
| Total domestic deposits to total assets | 80.7573% | 4,744 |
| Equity capital to assets | 8.3284% | 6,375 |
| Core capital (leverage) ratio | 8.3284% | 5,897 |
| Tier 1 risk-based capital ratio | 17.0107% | 2,305 |
| Total risk-based capital ratio | 17.5710% | 2,489 |
| Memoranda: | ||
| Average total assets | $38,137,600 | 7,299 |
| Average earning assets | $34,972,200 | 7,288 |
| Average equity | $3,117,800 | 7,799 |
| Average total loans | $32,253,200 | 6,598 |