Home > Landmands Bank > Performance and Condition Ratios
Landmands Bank, Performance and Condition Ratios
| 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 | 4.2022% | 2,683 |
| Cost of funding earning assets | 0.3390% | 3,808 |
| Net interest margin | 3.8631% | 2,216 |
| Noninterest income to average assets | 1.4189% | 528 |
| Noninterest expense to average assets | 3.4458% | 1,131 |
| Loan and lease loss provision to assets | 0.0457% | 3,325 |
| Net operating income to assets | 1.3777% | 1,062 |
| Return on assets (ROA) | 1.3777% | 1,081 |
| Pretax return on assets | 1.4524% | 1,809 |
| Return on Equity (ROE) | 14.9131% | 618 |
| Retained earnings to average equity (ytd only) | 3.5303% | 3,161 |
| Net charge-offs to loans | 0.0161% | 3,553 |
| Credit loss provision to net charge-offs | 333.3333% | 861 |
| Earnings coverage of net charge-offs (x) | 109.2222% | 609 |
| Efficiency ratio | 68.8656% | 2,729 |
| Assets per employee ($millions) | 3.5591% | 4,625 |
| Cash dividends to net income (ytd only)* | 76.3274% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 2,699 |
| Loan loss allowance to noncurrent loans | 271.3710% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 3,395 |
| Noncurrent loans to loans | 0.4470% | 3,176 |
| Net loans and leases to total assets | 81.0520% | 826 |
| Net loans and leases to deposits | 89.5689% | 1,827 |
| Net loans and leases to core deposits | 104.5634% | 1,371 |
| Total domestic deposits to total assets | 90.4913% | 401 |
| Equity capital to assets | 9.1139% | 4,606 |
| Core capital (leverage) ratio | 8.9876% | 4,664 |
| Tier 1 risk-based capital ratio | 10.4065% | 5,401 |
| Total risk-based capital ratio | 11.5858% | 5,354 |
| Memoranda: | ||
| Average total assets | $65,615,600 | 4,859 |
| Average earning assets | $59,874,000 | 4,861 |
| Average equity | $6,061,800 | 5,091 |
| Average total loans | $55,849,200 | 4,297 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1856% | 2,665 |
| Cost of funding earning assets | 0.3095% | 4,037 |
| Net interest margin | 3.8761% | 2,118 |
| Noninterest income to average assets | 1.2265% | 696 |
| Noninterest expense to average assets | 3.3950% | 1,166 |
| Loan and lease loss provision to assets | 0.0614% | 2,843 |
| Net operating income to assets | 1.2675% | 1,445 |
| Return on assets (ROA) | 1.2675% | 1,474 |
| Pretax return on assets | 1.3351% | 2,346 |
| Return on Equity (ROE) | 13.6720% | 898 |
| Retained earnings to average equity (ytd only) | 2.9597% | 4,152 |
| Net charge-offs to loans | 0.0095% | 3,389 |
| Credit loss provision to net charge-offs | 750.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 170.6023% | 495 |
| Efficiency ratio | 70.0000% | 2,537 |
| Assets per employee ($millions) | 3.1500% | 5,122 |
| Cash dividends to net income (ytd only)* | 78.3524% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 2,851 |
| Loan loss allowance to noncurrent loans | 245.6522% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 3,276 |
| Noncurrent loans to loans | 0.4938% | 3,216 |
| Net loans and leases to total assets | 87.6474% | 166 |
| Net loans and leases to deposits | 97.5876% | 958 |
| Net loans and leases to core deposits | 111.7844% | 932 |
| Total domestic deposits to total assets | 89.8141% | 541 |
| Equity capital to assets | 9.7144% | 4,233 |
| Core capital (leverage) ratio | 9.1895% | 4,527 |
| Tier 1 risk-based capital ratio | 10.3966% | 5,487 |
| Total risk-based capital ratio | 11.6007% | 5,433 |
| Memoranda: | ||
| Average total assets | $65,114,000 | 4,915 |
| Average earning assets | $59,886,500 | 4,914 |
| Average equity | $6,036,500 | 5,156 |
| Average total loans | $55,941,000 | 4,330 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0701% | 2,937 |
| Cost of funding earning assets | 0.2938% | 4,141 |
| Net interest margin | 3.7763% | 2,380 |
| Noninterest income to average assets | 1.0666% | 884 |
| Noninterest expense to average assets | 3.3182% | 1,338 |
| Loan and lease loss provision to assets | 0.0760% | 2,462 |
| Net operating income to assets | 1.0544% | 2,190 |
| Return on assets (ROA) | 1.0544% | 2,232 |
| Pretax return on assets | 1.1091% | 3,142 |
| Return on Equity (ROE) | 11.5500% | 1,445 |
| Retained earnings to average equity (ytd only) | 1.2316% | 4,754 |
| Net charge-offs to loans | 0.0071% | 3,205 |
| Credit loss provision to net charge-offs | 1,250.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 195.0000% | 422 |
| Efficiency ratio | 72.8070% | 2,211 |
| Assets per employee ($millions) | 3.4138% | 4,843 |
| Cash dividends to net income (ytd only)* | 89.3372% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,999 |
| Loan loss allowance to noncurrent loans | 149.6674% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 2,476 |
| Noncurrent loans to loans | 0.8034% | 2,392 |
| Net loans and leases to total assets | 85.5062% | 308 |
| Net loans and leases to deposits | 94.6450% | 1,213 |
| Net loans and leases to core deposits | 107.9134% | 1,111 |
| Total domestic deposits to total assets | 90.3441% | 411 |
| Equity capital to assets | 9.2890% | 4,633 |
| Core capital (leverage) ratio | 8.8311% | 4,913 |
| Tier 1 risk-based capital ratio | 10.1289% | 5,594 |
| Total risk-based capital ratio | 11.3178% | 5,560 |
| Memoranda: | ||
| Average total assets | $65,819,000 | 4,935 |
| Average earning assets | $59,899,670 | 4,952 |
| Average equity | $6,008,670 | 5,189 |
| Average total loans | $55,956,330 | 4,354 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0049% | 3,023 |
| Cost of funding earning assets | 0.2621% | 4,436 |
| Net interest margin | 3.7429% | 2,337 |
| Noninterest income to average assets | 0.9291% | 1,168 |
| Noninterest expense to average assets | 3.2399% | 1,501 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9955% | 2,326 |
| Return on assets (ROA) | 0.9955% | 2,378 |
| Pretax return on assets | 1.0498% | 3,173 |
| Return on Equity (ROE) | 10.9991% | 1,571 |
| Retained earnings to average equity (ytd only) | 3.9997% | 3,449 |
| Net charge-offs to loans | 0.0072% | 2,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 174.0000% | 320 |
| Efficiency ratio | 74.5429% | 2,136 |
| Assets per employee ($millions) | 3.7945% | 4,354 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 3,227 |
| Loan loss allowance to noncurrent loans | 561.2069% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 4,570 |
| Noncurrent loans to loans | 0.2111% | 4,355 |
| Net loans and leases to total assets | 79.4849% | 904 |
| Net loans and leases to deposits | 87.5502% | 1,855 |
| Net loans and leases to core deposits | 99.3376% | 1,556 |
| Total domestic deposits to total assets | 90.7878% | 363 |
| Equity capital to assets | 8.8403% | 4,963 |
| Core capital (leverage) ratio | 8.7470% | 5,003 |
| Tier 1 risk-based capital ratio | 10.2298% | 5,642 |
| Total risk-based capital ratio | 11.3842% | 5,618 |
| Memoranda: | ||
| Average total assets | $66,297,500 | 4,976 |
| Average earning assets | $59,526,500 | 5,013 |
| Average equity | $6,000,500 | 5,239 |
| Average total loans | $55,866,500 | 4,401 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1026% | 2,839 |
| Cost of funding earning assets | 0.2078% | 4,943 |
| Net interest margin | 3.8948% | 1,984 |
| Noninterest income to average assets | 1.4922% | 530 |
| Noninterest expense to average assets | 3.5499% | 1,085 |
| Loan and lease loss provision to assets | 0.0156% | 4,061 |
| Net operating income to assets | 1.3953% | 1,016 |
| Return on assets (ROA) | 1.3953% | 1,047 |
| Pretax return on assets | 1.4703% | 1,679 |
| Return on Equity (ROE) | 15.0074% | 626 |
| Retained earnings to average equity (ytd only) | 0.3529% | 5,180 |
| Net charge-offs to loans | 0.0201% | 3,651 |
| Credit loss provision to net charge-offs | 90.9091% | 2,777 |
| Earnings coverage of net charge-offs (x) | 86.4545% | 675 |
| Efficiency ratio | 69.6556% | 2,969 |
| Assets per employee ($millions) | 3.3839% | 4,928 |
| Cash dividends to net income (ytd only)* | 97.6484% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 3,445 |
| Loan loss allowance to noncurrent loans | 509.3750% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 4,525 |
| Noncurrent loans to loans | 0.2254% | 4,344 |
| Net loans and leases to total assets | 87.3192% | 161 |
| Net loans and leases to deposits | 96.8098% | 926 |
| Net loans and leases to core deposits | 108.6572% | 981 |
| Total domestic deposits to total assets | 90.1966% | 562 |
| Equity capital to assets | 9.2746% | 4,499 |
| Core capital (leverage) ratio | 9.0369% | 4,696 |
| Tier 1 risk-based capital ratio | 10.1057% | 5,709 |
| Total risk-based capital ratio | 11.2548% | 5,694 |
| Memoranda: | ||
| Average total assets | $64,001,200 | 5,050 |
| Average earning assets | $58,232,000 | 5,065 |
| Average equity | $5,950,400 | 5,289 |
| Average total loans | $54,717,200 | 4,438 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1438% | 2,708 |
| Cost of funding earning assets | 0.1982% | 5,088 |
| Net interest margin | 3.9456% | 1,832 |
| Noninterest income to average assets | 1.2514% | 741 |
| Noninterest expense to average assets | 3.4976% | 1,151 |
| Loan and lease loss provision to assets | 0.0209% | 3,819 |
| Net operating income to assets | 1.2389% | 1,495 |
| Return on assets (ROA) | 1.2389% | 1,593 |
| Pretax return on assets | 1.3035% | 2,417 |
| Return on Equity (ROE) | 13.3167% | 964 |
| Retained earnings to average equity (ytd only) | -2.0625% | 5,597 |
| Net charge-offs to loans | 0.0098% | 3,583 |
| Credit loss provision to net charge-offs | 250.0000% | 1,196 |
| Earnings coverage of net charge-offs (x) | 158.8462% | 440 |
| Efficiency ratio | 71.6696% | 2,623 |
| Assets per employee ($millions) | 3.3908% | 4,919 |
| Cash dividends to net income (ytd only)* | 115.4878% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 3,089 |
| Loan loss allowance to noncurrent loans | 467.3759% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 4,518 |
| Noncurrent loans to loans | 0.2622% | 4,323 |
| Net loans and leases to total assets | 87.0222% | 186 |
| Net loans and leases to deposits | 97.1823% | 934 |
| Net loans and leases to core deposits | 108.1465% | 1,040 |
| Total domestic deposits to total assets | 89.5453% | 653 |
| Equity capital to assets | 9.6944% | 4,469 |
| Core capital (leverage) ratio | 9.0153% | 4,816 |
| Tier 1 risk-based capital ratio | 10.2919% | 5,705 |
| Total risk-based capital ratio | 11.4993% | 5,655 |
| Memoranda: | ||
| Average total assets | $63,928,000 | 5,096 |
| Average earning assets | $57,852,500 | 5,123 |
| Average equity | $5,947,250 | 5,339 |
| Average total loans | $54,198,250 | 4,488 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1144% | 2,804 |
| Cost of funding earning assets | 0.1925% | 5,214 |
| Net interest margin | 3.9219% | 1,910 |
| Noninterest income to average assets | 1.1280% | 883 |
| Noninterest expense to average assets | 3.3841% | 1,403 |
| Loan and lease loss provision to assets | 0.0308% | 3,512 |
| Net operating income to assets | 1.1681% | 1,709 |
| Return on assets (ROA) | 1.1681% | 1,808 |
| Pretax return on assets | 1.2297% | 2,669 |
| Return on Equity (ROE) | 12.7238% | 1,095 |
| Retained earnings to average equity (ytd only) | -1.7122% | 5,511 |
| Net charge-offs to loans | 0.0037% | 3,577 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 409.0000% | 169 |
| Efficiency ratio | 71.9310% | 2,667 |
| Assets per employee ($millions) | 3.5106% | 4,738 |
| Cash dividends to net income (ytd only)* | 113.4565% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 2,978 |
| Loan loss allowance to noncurrent loans | 406.1350% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 4,463 |
| Noncurrent loans to loans | 0.3118% | 4,246 |
| Net loans and leases to total assets | 81.6886% | 659 |
| Net loans and leases to deposits | 90.6583% | 1,675 |
| Net loans and leases to core deposits | 99.4988% | 1,672 |
| Total domestic deposits to total assets | 90.1060% | 449 |
| Equity capital to assets | 9.4398% | 4,828 |
| Core capital (leverage) ratio | 8.7955% | 5,061 |
| Tier 1 risk-based capital ratio | 10.4398% | 5,696 |
| Total risk-based capital ratio | 11.6622% | 5,629 |
| Memoranda: | ||
| Average total assets | $64,892,330 | 5,126 |
| Average earning assets | $58,186,330 | 5,164 |
| Average equity | $5,957,330 | 5,394 |
| Average total loans | $54,340,000 | 4,522 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 3,129 |
| Cost of funding earning assets | 0.1753% | 5,417 |
| Net interest margin | 3.8498% | 2,105 |
| Noninterest income to average assets | 1.0343% | 1,012 |
| Noninterest expense to average assets | 3.2794% | 1,652 |
| Loan and lease loss provision to assets | 0.0304% | 3,255 |
| Net operating income to assets | 1.1378% | 1,756 |
| Return on assets (ROA) | 1.1378% | 1,874 |
| Pretax return on assets | 1.1986% | 2,706 |
| Return on Equity (ROE) | 12.5640% | 1,136 |
| Retained earnings to average equity (ytd only) | -2.5531% | 5,438 |
| Net charge-offs to loans | 0.0072% | 2,875 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 202.0000% | 301 |
| Efficiency ratio | 71.7949% | 2,830 |
| Assets per employee ($millions) | 3.6112% | 4,630 |
| Cash dividends to net income (ytd only)* | 120.3209% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 3,525 |
| Loan loss allowance to noncurrent loans | 295.9459% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3415% | 4,191 |
| Noncurrent loans to loans | 0.4029% | 3,993 |
| Net loans and leases to total assets | 83.7651% | 392 |
| Net loans and leases to deposits | 92.6870% | 1,267 |
| Net loans and leases to core deposits | 101.4005% | 1,376 |
| Total domestic deposits to total assets | 90.3741% | 474 |
| Equity capital to assets | 9.1582% | 5,032 |
| Core capital (leverage) ratio | 8.8140% | 5,064 |
| Tier 1 risk-based capital ratio | 10.0080% | 5,914 |
| Total risk-based capital ratio | 11.1690% | 5,896 |
| Memoranda: | ||
| Average total assets | $65,743,500 | 5,159 |
| Average earning assets | $59,328,500 | 5,175 |
| Average equity | $5,953,500 | 5,432 |
| Average total loans | $55,369,500 | 4,520 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0031% | 3,296 |
| Cost of funding earning assets | 0.1781% | 5,477 |
| Net interest margin | 3.8250% | 2,285 |
| Noninterest income to average assets | 1.4408% | 584 |
| Noninterest expense to average assets | 3.4839% | 1,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3141% | 1,234 |
| Return on assets (ROA) | 1.3141% | 1,285 |
| Pretax return on assets | 1.3829% | 1,969 |
| Return on Equity (ROE) | 14.4350% | 780 |
| Retained earnings to average equity (ytd only) | 0.7905% | 5,206 |
| Net charge-offs to loans | 0.0150% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 110.5000% | 533 |
| Efficiency ratio | 70.7168% | 3,108 |
| Assets per employee ($millions) | 3.6936% | 4,488 |
| Cash dividends to net income (ytd only)* | 94.5238% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 3,622 |
| Loan loss allowance to noncurrent loans | 388.6905% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 4,582 |
| Noncurrent loans to loans | 0.3020% | 4,376 |
| Net loans and leases to total assets | 82.6953% | 519 |
| Net loans and leases to deposits | 91.3851% | 1,463 |
| Net loans and leases to core deposits | 99.7496% | 1,521 |
| Total domestic deposits to total assets | 90.4911% | 440 |
| Equity capital to assets | 8.9554% | 5,167 |
| Core capital (leverage) ratio | 9.2923% | 4,487 |
| Tier 1 risk-based capital ratio | 9.8476% | 5,985 |
| Total risk-based capital ratio | 10.9693% | 5,991 |
| Memoranda: | ||
| Average total assets | $63,922,800 | 5,226 |
| Average earning assets | $57,255,200 | 5,260 |
| Average equity | $5,819,200 | 5,478 |
| Average total loans | $53,205,400 | 4,574 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0190% | 3,264 |
| Cost of funding earning assets | 0.1859% | 5,494 |
| Net interest margin | 3.8332% | 2,256 |
| Noninterest income to average assets | 1.2157% | 813 |
| Noninterest expense to average assets | 3.4174% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1693% | 1,756 |
| Return on assets (ROA) | 1.1693% | 1,828 |
| Pretax return on assets | 1.2304% | 2,695 |
| Return on Equity (ROE) | 12.7903% | 1,175 |
| Retained earnings to average equity (ytd only) | -5.5079% | 6,039 |
| Net charge-offs to loans | 0.0203% | 3,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 72.9756% | 796 |
| Efficiency ratio | 72.6201% | 2,774 |
| Assets per employee ($millions) | 4.6222% | 2,805 |
| Cash dividends to net income (ytd only)* | 143.0633% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 3,511 |
| Loan loss allowance to noncurrent loans | 450.3448% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 4,794 |
| Noncurrent loans to loans | 0.2721% | 4,601 |
| Net loans and leases to total assets | 87.6117% | 158 |
| Net loans and leases to deposits | 97.4763% | 868 |
| Net loans and leases to core deposits | 104.8434% | 1,179 |
| Total domestic deposits to total assets | 89.8800% | 629 |
| Equity capital to assets | 9.4776% | 4,779 |
| Core capital (leverage) ratio | 8.9341% | 5,076 |
| Tier 1 risk-based capital ratio | 9.7705% | 6,086 |
| Total risk-based capital ratio | 10.9422% | 6,080 |
| Memoranda: | ||
| Average total assets | $63,282,250 | 5,302 |
| Average earning assets | $56,662,250 | 5,345 |
| Average equity | $5,785,500 | 5,557 |
| Average total loans | $52,598,500 | 4,645 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9511% | 3,480 |
| Cost of funding earning assets | 0.1841% | 5,581 |
| Net interest margin | 3.7670% | 2,450 |
| Noninterest income to average assets | 1.0039% | 1,173 |
| Noninterest expense to average assets | 3.3009% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9604% | 2,585 |
| Return on assets (ROA) | 0.9604% | 2,697 |
| Pretax return on assets | 1.0102% | 3,544 |
| Return on Equity (ROE) | 10.6265% | 1,803 |
| Retained earnings to average equity (ytd only) | -8.4255% | 6,140 |
| Net charge-offs to loans | 0.0267% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 46.4286% | 1,012 |
| Efficiency ratio | 75.6309% | 2,426 |
| Assets per employee ($millions) | 4.7095% | 2,664 |
| Cash dividends to net income (ytd only)* | 179.2880% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 3,447 |
| Loan loss allowance to noncurrent loans | 441.8919% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 4,909 |
| Noncurrent loans to loans | 0.2855% | 4,659 |
| Net loans and leases to total assets | 83.6143% | 402 |
| Net loans and leases to deposits | 92.6753% | 1,293 |
| Net loans and leases to core deposits | 100.8213% | 1,418 |
| Total domestic deposits to total assets | 90.2228% | 569 |
| Equity capital to assets | 9.2594% | 4,943 |
| Core capital (leverage) ratio | 8.7103% | 5,308 |
| Tier 1 risk-based capital ratio | 9.9526% | 6,101 |
| Total risk-based capital ratio | 11.1498% | 6,067 |
| Memoranda: | ||
| Average total assets | $64,346,670 | 5,336 |
| Average earning assets | $56,490,330 | 5,404 |
| Average equity | $5,815,670 | 5,599 |
| Average total loans | $52,365,330 | 4,695 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9592% | 3,383 |
| Cost of funding earning assets | 0.1838% | 5,655 |
| Net interest margin | 3.7754% | 2,325 |
| Noninterest income to average assets | 0.8861% | 1,432 |
| Noninterest expense to average assets | 3.2287% | 1,907 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8557% | 2,982 |
| Return on assets (ROA) | 0.8557% | 3,102 |
| Pretax return on assets | 0.8982% | 3,905 |
| Return on Equity (ROE) | 9.5772% | 2,185 |
| Retained earnings to average equity (ytd only) | -4.0075% | 5,862 |
| Net charge-offs to loans | 0.0456% | 2,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 24.6667% | 1,288 |
| Efficiency ratio | 77.2059% | 2,310 |
| Assets per employee ($millions) | 4.8828% | 2,516 |
| Cash dividends to net income (ytd only)* | 141.8440% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 3,373 |
| Loan loss allowance to noncurrent loans | 481.6176% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 5,088 |
| Noncurrent loans to loans | 0.2711% | 4,810 |
| Net loans and leases to total assets | 78.0125% | 929 |
| Net loans and leases to deposits | 86.4540% | 1,777 |
| Net loans and leases to core deposits | 94.0354% | 1,768 |
| Total domestic deposits to total assets | 90.2358% | 636 |
| Equity capital to assets | 9.2427% | 5,035 |
| Core capital (leverage) ratio | 8.8272% | 5,166 |
| Tier 1 risk-based capital ratio | 10.4878% | 6,015 |
| Total risk-based capital ratio | 11.7101% | 5,977 |
| Memoranda: | ||
| Average total assets | $65,908,000 | 5,354 |
| Average earning assets | $56,577,500 | 5,455 |
| Average equity | $5,889,000 | 5,627 |
| Average total loans | $52,625,000 | 4,712 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 3,167 |
| Cost of funding earning assets | 0.1858% | 5,872 |
| Net interest margin | 3.9544% | 2,032 |
| Noninterest income to average assets | 1.4005% | 618 |
| Noninterest expense to average assets | 3.3246% | 1,866 |
| Loan and lease loss provision to assets | 0.0883% | 2,702 |
| Net operating income to assets | 1.4702% | 934 |
| Return on assets (ROA) | 1.4702% | 971 |
| Pretax return on assets | 1.5477% | 1,392 |
| Return on Equity (ROE) | 16.4746% | 555 |
| Retained earnings to average equity (ytd only) | -0.0174% | 5,767 |
| Net charge-offs to loans | 0.1112% | 2,925 |
| Credit loss provision to net charge-offs | 95.0000% | 2,534 |
| Earnings coverage of net charge-offs (x) | 17.6000% | 1,915 |
| Efficiency ratio | 66.1774% | 4,218 |
| Assets per employee ($millions) | 5.2568% | 2,006 |
| Cash dividends to net income (ytd only)* | 100.1054% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 3,994 |
| Loan loss allowance to noncurrent loans | 167.7665% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 3,862 |
| Noncurrent loans to loans | 0.7154% | 3,532 |
| Net loans and leases to total assets | 79.6236% | 794 |
| Net loans and leases to deposits | 87.7348% | 1,767 |
| Net loans and leases to core deposits | 100.9443% | 1,323 |
| Total domestic deposits to total assets | 90.7549% | 440 |
| Equity capital to assets | 8.6495% | 5,612 |
| Core capital (leverage) ratio | 8.7381% | 5,309 |
| Tier 1 risk-based capital ratio | 9.6450% | 6,332 |
| Total risk-based capital ratio | 10.7931% | 6,324 |
| Memoranda: | ||
| Average total assets | $64,549,200 | 5,434 |
| Average earning assets | $58,113,200 | 5,452 |
| Average equity | $5,760,400 | 5,674 |
| Average total loans | $53,979,400 | 4,695 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 3,453 |
| Cost of funding earning assets | 0.1886% | 5,928 |
| Net interest margin | 3.8916% | 2,276 |
| Noninterest income to average assets | 1.2284% | 807 |
| Noninterest expense to average assets | 3.2346% | 2,076 |
| Loan and lease loss provision to assets | 0.0901% | 2,554 |
| Net operating income to assets | 1.3794% | 1,174 |
| Return on assets (ROA) | 1.3794% | 1,216 |
| Pretax return on assets | 1.4507% | 1,803 |
| Return on Equity (ROE) | 15.3302% | 768 |
| Retained earnings to average equity (ytd only) | -5.0558% | 6,257 |
| Net charge-offs to loans | 0.1415% | 2,381 |
| Credit loss provision to net charge-offs | 75.4386% | 2,679 |
| Earnings coverage of net charge-offs (x) | 12.8945% | 2,277 |
| Efficiency ratio | 66.8569% | 4,071 |
| Assets per employee ($millions) | 4.0778% | 3,713 |
| Cash dividends to net income (ytd only)* | 132.9792% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 4,203 |
| Loan loss allowance to noncurrent loans | 79.3651% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.3390% | 2,303 |
| Noncurrent loans to loans | 1.5160% | 2,137 |
| Net loans and leases to total assets | 87.2595% | 139 |
| Net loans and leases to deposits | 96.8816% | 806 |
| Net loans and leases to core deposits | 108.1650% | 842 |
| Total domestic deposits to total assets | 90.0682% | 706 |
| Equity capital to assets | 9.3188% | 5,020 |
| Core capital (leverage) ratio | 8.8175% | 5,314 |
| Tier 1 risk-based capital ratio | 9.6150% | 6,421 |
| Total risk-based capital ratio | 10.7876% | 6,403 |
| Memoranda: | ||
| Average total assets | $63,601,750 | 5,519 |
| Average earning assets | $57,970,000 | 5,512 |
| Average equity | $5,722,750 | 5,737 |
| Average total loans | $53,705,500 | 4,743 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0407% | 3,584 |
| Cost of funding earning assets | 0.1859% | 6,031 |
| Net interest margin | 3.8548% | 2,362 |
| Noninterest income to average assets | 1.0122% | 1,169 |
| Noninterest expense to average assets | 3.2167% | 2,142 |
| Loan and lease loss provision to assets | 0.0559% | 3,179 |
| Net operating income to assets | 1.1581% | 1,726 |
| Return on assets (ROA) | 1.1581% | 1,804 |
| Pretax return on assets | 1.2171% | 2,587 |
| Return on Equity (ROE) | 13.0184% | 1,171 |
| Retained earnings to average equity (ytd only) | -17.5208% | 6,524 |
| Net charge-offs to loans | 0.2052% | 1,794 |
| Credit loss provision to net charge-offs | 32.7273% | 3,019 |
| Earnings coverage of net charge-offs (x) | 7.4545% | 2,627 |
| Efficiency ratio | 70.6777% | 3,540 |
| Assets per employee ($millions) | 4.7312% | 2,567 |
| Cash dividends to net income (ytd only)* | 234.5845% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 4,415 |
| Loan loss allowance to noncurrent loans | 89.4437% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.1641% | 2,750 |
| Noncurrent loans to loans | 1.3432% | 2,564 |
| Net loans and leases to total assets | 83.8308% | 310 |
| Net loans and leases to deposits | 92.5558% | 1,091 |
| Net loans and leases to core deposits | 104.2711% | 996 |
| Total domestic deposits to total assets | 90.5733% | 556 |
| Equity capital to assets | 8.8138% | 5,508 |
| Core capital (leverage) ratio | 8.1648% | 5,967 |
| Tier 1 risk-based capital ratio | 9.4119% | 6,501 |
| Total risk-based capital ratio | 10.5832% | 6,497 |
| Memoranda: | ||
| Average total assets | $64,413,330 | 5,546 |
| Average earning assets | $58,108,670 | 5,558 |
| Average equity | $5,730,330 | 5,769 |
| Average total loans | $53,599,330 | 4,758 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0153% | 3,619 |
| Cost of funding earning assets | 0.1825% | 6,142 |
| Net interest margin | 3.8328% | 2,332 |
| Noninterest income to average assets | 0.9838% | 1,167 |
| Noninterest expense to average assets | 3.1579% | 2,353 |
| Loan and lease loss provision to assets | 0.1093% | 2,112 |
| Net operating income to assets | 1.1053% | 1,798 |
| Return on assets (ROA) | 1.1053% | 1,855 |
| Pretax return on assets | 1.1599% | 2,658 |
| Return on Equity (ROE) | 12.3704% | 1,321 |
| Retained earnings to average equity (ytd only) | -4.6219% | 6,096 |
| Net charge-offs to loans | 0.2725% | 1,255 |
| Credit loss provision to net charge-offs | 48.6486% | 2,219 |
| Earnings coverage of net charge-offs (x) | 5.6486% | 2,348 |
| Efficiency ratio | 70.3704% | 3,762 |
| Assets per employee ($millions) | 4.2536% | 3,432 |
| Cash dividends to net income (ytd only)* | 137.3626% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 4,637 |
| Loan loss allowance to noncurrent loans | 350.5435% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 5,296 |
| Noncurrent loans to loans | 0.3422% | 5,087 |
| Net loans and leases to total assets | 83.2550% | 281 |
| Net loans and leases to deposits | 92.2398% | 933 |
| Net loans and leases to core deposits | 103.4691% | 891 |
| Total domestic deposits to total assets | 90.2592% | 934 |
| Equity capital to assets | 9.1703% | 4,909 |
| Core capital (leverage) ratio | 8.5461% | 5,590 |
| Tier 1 risk-based capital ratio | 9.9563% | 6,487 |
| Total risk-based capital ratio | 11.1314% | 6,483 |
| Memoranda: | ||
| Average total assets | $65,867,000 | 5,569 |
| Average earning assets | $59,173,000 | 5,583 |
| Average equity | $5,885,000 | 5,775 |
| Average total loans | $54,305,000 | 4,781 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1625% | 3,489 |
| Cost of funding earning assets | 0.2206% | 6,174 |
| Net interest margin | 3.9419% | 2,130 |
| Noninterest income to average assets | 1.3719% | 744 |
| Noninterest expense to average assets | 3.0895% | 2,768 |
| Loan and lease loss provision to assets | 0.0654% | 3,817 |
| Net operating income to assets | 1.6366% | 641 |
| Return on assets (ROA) | 1.6366% | 656 |
| Pretax return on assets | 1.7238% | 903 |
| Return on Equity (ROE) | 18.4186% | 378 |
| Retained earnings to average equity (ytd only) | 4.3987% | 3,045 |
| Net charge-offs to loans | 0.0019% | 5,445 |
| Credit loss provision to net charge-offs | 4,200.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,149.0000% | 31 |
| Efficiency ratio | 62.4641% | 5,130 |
| Assets per employee ($millions) | 4.5287% | 2,855 |
| Cash dividends to net income (ytd only)* | 76.1180% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 4,609 |
| Loan loss allowance to noncurrent loans | 278.9916% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 5,213 |
| Noncurrent loans to loans | 0.4340% | 4,912 |
| Net loans and leases to total assets | 79.7600% | 619 |
| Net loans and leases to deposits | 94.9428% | 804 |
| Net loans and leases to core deposits | 105.5460% | 819 |
| Total domestic deposits to total assets | 84.0085% | 4,165 |
| Equity capital to assets | 8.7134% | 5,353 |
| Core capital (leverage) ratio | 8.6222% | 5,515 |
| Tier 1 risk-based capital ratio | 9.8129% | 6,556 |
| Total risk-based capital ratio | 10.9918% | 6,541 |
| Memoranda: | ||
| Average total assets | $64,217,600 | 5,645 |
| Average earning assets | $57,129,800 | 5,678 |
| Average equity | $5,706,200 | 5,878 |
| Average total loans | $52,547,600 | 4,864 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 3,585 |
| Cost of funding earning assets | 0.2217% | 6,283 |
| Net interest margin | 3.9238% | 2,187 |
| Noninterest income to average assets | 1.1755% | 1,064 |
| Noninterest expense to average assets | 3.0062% | 2,973 |
| Loan and lease loss provision to assets | 0.0421% | 4,170 |
| Net operating income to assets | 1.5505% | 822 |
| Return on assets (ROA) | 1.5505% | 871 |
| Pretax return on assets | 1.6327% | 1,259 |
| Return on Equity (ROE) | 17.3591% | 505 |
| Retained earnings to average equity (ytd only) | -1.5095% | 6,197 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3213% | 4,917 |
| Assets per employee ($millions) | 4.2955% | 3,237 |
| Cash dividends to net income (ytd only)* | 108.6955% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 4,842 |
| Loan loss allowance to noncurrent loans | 183.1909% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 4,812 |
| Noncurrent loans to loans | 0.6570% | 4,559 |
| Net loans and leases to total assets | 81.9174% | 376 |
| Net loans and leases to deposits | 97.9403% | 577 |
| Net loans and leases to core deposits | 109.5769% | 591 |
| Total domestic deposits to total assets | 83.6401% | 4,327 |
| Equity capital to assets | 8.7037% | 5,514 |
| Core capital (leverage) ratio | 8.3389% | 5,932 |
| Tier 1 risk-based capital ratio | 9.5309% | 6,681 |
| Total risk-based capital ratio | 10.7083% | 6,663 |
| Memoranda: | ||
| Average total assets | $63,289,500 | 5,731 |
| Average earning assets | $56,541,750 | 5,750 |
| Average equity | $5,653,000 | 5,959 |
| Average total loans | $51,973,250 | 4,932 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0974% | 3,745 |
| Cost of funding earning assets | 0.2278% | 6,319 |
| Net interest margin | 3.8696% | 2,313 |
| Noninterest income to average assets | 1.0491% | 1,383 |
| Noninterest expense to average assets | 2.9535% | 3,150 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4752% | 944 |
| Return on assets (ROA) | 1.4752% | 1,019 |
| Pretax return on assets | 1.5515% | 1,478 |
| Return on Equity (ROE) | 16.3726% | 624 |
| Retained earnings to average equity (ytd only) | -1.2703% | 6,090 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6436% | 4,768 |
| Assets per employee ($millions) | 4.0815% | 3,618 |
| Cash dividends to net income (ytd only)* | 107.7586% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 4,831 |
| Loan loss allowance to noncurrent loans | 77.4876% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.3132% | 3,151 |
| Noncurrent loans to loans | 1.5885% | 2,926 |
| Net loans and leases to total assets | 81.6523% | 382 |
| Net loans and leases to deposits | 90.6273% | 1,087 |
| Net loans and leases to core deposits | 98.8140% | 1,155 |
| Total domestic deposits to total assets | 90.0969% | 971 |
| Equity capital to assets | 9.1877% | 5,007 |
| Core capital (leverage) ratio | 8.4966% | 5,674 |
| Tier 1 risk-based capital ratio | 10.1191% | 6,606 |
| Total risk-based capital ratio | 11.3251% | 6,591 |
| Memoranda: | ||
| Average total assets | $62,908,670 | 5,782 |
| Average earning assets | $56,181,330 | 5,796 |
| Average equity | $5,668,000 | 6,002 |
| Average total loans | $51,489,670 | 4,965 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 3,689 |
| Cost of funding earning assets | 0.2329% | 6,394 |
| Net interest margin | 3.8752% | 2,198 |
| Noninterest income to average assets | 0.9474% | 1,621 |
| Noninterest expense to average assets | 2.8486% | 3,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4682% | 917 |
| Return on assets (ROA) | 1.4682% | 998 |
| Pretax return on assets | 1.5435% | 1,443 |
| Return on Equity (ROE) | 16.4514% | 560 |
| Retained earnings to average equity (ytd only) | -1.1249% | 5,970 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8571% | 5,027 |
| Assets per employee ($millions) | 4.5022% | 2,969 |
| Cash dividends to net income (ytd only)* | 106.8376% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 4,931 |
| Loan loss allowance to noncurrent loans | 360.1156% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 5,740 |
| Noncurrent loans to loans | 0.3477% | 5,530 |
| Net loans and leases to total assets | 77.9553% | 612 |
| Net loans and leases to deposits | 86.2444% | 1,326 |
| Net loans and leases to core deposits | 92.5906% | 1,448 |
| Total domestic deposits to total assets | 90.3889% | 824 |
| Equity capital to assets | 9.0130% | 5,469 |
| Core capital (leverage) ratio | 8.4463% | 5,648 |
| Tier 1 risk-based capital ratio | 10.1724% | 6,662 |
| Total risk-based capital ratio | 11.3818% | 6,655 |
| Memoranda: | ||
| Average total assets | $63,751,500 | 5,810 |
| Average earning assets | $56,667,500 | 5,835 |
| Average equity | $5,689,500 | 6,051 |
| Average total loans | $51,928,000 | 4,991 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3903% | 3,849 |
| Cost of funding earning assets | 0.3570% | 6,173 |
| Net interest margin | 4.0334% | 2,258 |
| Noninterest income to average assets | 1.4372% | 759 |
| Noninterest expense to average assets | 3.1726% | 2,702 |
| Loan and lease loss provision to assets | 0.1360% | 3,922 |
| Net operating income to assets | 1.6879% | 636 |
| Return on assets (ROA) | 1.6879% | 712 |
| Pretax return on assets | 1.7764% | 965 |
| Return on Equity (ROE) | 18.2030% | 432 |
| Retained earnings to average equity (ytd only) | 0.0884% | 5,789 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1988% | 5,359 |
| Assets per employee ($millions) | 4.6051% | 2,775 |
| Cash dividends to net income (ytd only)* | 99.5146% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 5,339 |
| Loan loss allowance to noncurrent loans | 321.1340% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 5,778 |
| Noncurrent loans to loans | 0.3586% | 5,588 |
| Net loans and leases to total assets | 82.9414% | 272 |
| Net loans and leases to deposits | 101.9971% | 326 |
| Net loans and leases to core deposits | 111.0986% | 501 |
| Total domestic deposits to total assets | 81.3175% | 5,304 |
| Equity capital to assets | 8.8379% | 5,702 |
| Core capital (leverage) ratio | 8.7206% | 5,296 |
| Tier 1 risk-based capital ratio | 9.5110% | 6,799 |
| Total risk-based capital ratio | 10.6398% | 6,811 |
| Memoranda: | ||
| Average total assets | $61,022,600 | 5,899 |
| Average earning assets | $55,189,800 | 5,880 |
| Average equity | $5,658,400 | 6,113 |
| Average total loans | $48,115,000 | 5,174 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 3,754 |
| Cost of funding earning assets | 0.3891% | 6,179 |
| Net interest margin | 4.0806% | 2,168 |
| Noninterest income to average assets | 1.2455% | 963 |
| Noninterest expense to average assets | 3.1360% | 2,777 |
| Loan and lease loss provision to assets | 0.0576% | 5,010 |
| Net operating income to assets | 1.6400% | 777 |
| Return on assets (ROA) | 1.6400% | 857 |
| Pretax return on assets | 1.7242% | 1,211 |
| Return on Equity (ROE) | 17.4673% | 555 |
| Retained earnings to average equity (ytd only) | -4.9569% | 6,611 |
| Net charge-offs to loans | 0.0029% | 5,728 |
| Credit loss provision to net charge-offs | 2,600.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 805.9925% | 49 |
| Efficiency ratio | 62.4606% | 5,077 |
| Assets per employee ($millions) | 4.0781% | 3,723 |
| Cash dividends to net income (ytd only)* | 128.3791% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 5,239 |
| Loan loss allowance to noncurrent loans | 230.6122% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 5,603 |
| Noncurrent loans to loans | 0.5246% | 5,391 |
| Net loans and leases to total assets | 80.8103% | 446 |
| Net loans and leases to deposits | 90.2471% | 1,119 |
| Net loans and leases to core deposits | 98.5055% | 1,228 |
| Total domestic deposits to total assets | 89.5434% | 1,099 |
| Equity capital to assets | 9.6246% | 5,028 |
| Core capital (leverage) ratio | 8.5641% | 5,673 |
| Tier 1 risk-based capital ratio | 10.4801% | 6,671 |
| Total risk-based capital ratio | 11.6585% | 6,675 |
| Memoranda: | ||
| Average total assets | $60,160,250 | 5,986 |
| Average earning assets | $54,141,250 | 5,991 |
| Average equity | $5,648,500 | 6,182 |
| Average total loans | $46,619,500 | 5,289 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4259% | 4,083 |
| Cost of funding earning assets | 0.4053% | 6,235 |
| Net interest margin | 4.0205% | 2,410 |
| Noninterest income to average assets | 1.0460% | 1,325 |
| Noninterest expense to average assets | 3.0237% | 3,171 |
| Loan and lease loss provision to assets | 0.0327% | 5,264 |
| Net operating income to assets | 1.5102% | 976 |
| Return on assets (ROA) | 1.5102% | 1,098 |
| Pretax return on assets | 1.5887% | 1,579 |
| Return on Equity (ROE) | 16.2115% | 737 |
| Retained earnings to average equity (ytd only) | -3.0879% | 6,476 |
| Net charge-offs to loans | -0.0086% | 6,252 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6172% | 4,963 |
| Assets per employee ($millions) | 4.2866% | 3,276 |
| Cash dividends to net income (ytd only)* | 119.0476% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 5,340 |
| Loan loss allowance to noncurrent loans | 250.9091% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 5,861 |
| Noncurrent loans to loans | 0.4791% | 5,570 |
| Net loans and leases to total assets | 75.6015% | 1,020 |
| Net loans and leases to deposits | 84.0559% | 1,850 |
| Net loans and leases to core deposits | 92.5220% | 1,729 |
| Total domestic deposits to total assets | 89.9420% | 958 |
| Equity capital to assets | 9.3815% | 5,217 |
| Core capital (leverage) ratio | 8.4938% | 5,656 |
| Tier 1 risk-based capital ratio | 10.7150% | 6,610 |
| Total risk-based capital ratio | 11.8657% | 6,641 |
| Memoranda: | ||
| Average total assets | $61,182,670 | 6,000 |
| Average earning assets | $54,768,670 | 6,006 |
| Average equity | $5,699,670 | 6,194 |
| Average total loans | $46,592,000 | 5,321 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4961% | 3,927 |
| Cost of funding earning assets | 0.4296% | 6,258 |
| Net interest margin | 4.0665% | 2,223 |
| Noninterest income to average assets | 0.9390% | 1,600 |
| Noninterest expense to average assets | 3.1214% | 2,846 |
| Loan and lease loss provision to assets | 0.0194% | 5,098 |
| Net operating income to assets | 1.4053% | 1,217 |
| Return on assets (ROA) | 1.4053% | 1,365 |
| Pretax return on assets | 1.4765% | 1,941 |
| Return on Equity (ROE) | 15.1365% | 948 |
| Retained earnings to average equity (ytd only) | -2.3019% | 6,322 |
| Net charge-offs to loans | -0.0085% | 5,901 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1992% | 4,522 |
| Assets per employee ($millions) | 4.7584% | 2,576 |
| Cash dividends to net income (ytd only)* | 115.2074% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 5,433 |
| Loan loss allowance to noncurrent loans | 262.8019% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 6,045 |
| Noncurrent loans to loans | 0.4611% | 5,758 |
| Net loans and leases to total assets | 71.7002% | 1,452 |
| Net loans and leases to deposits | 79.6455% | 2,254 |
| Net loans and leases to core deposits | 87.4761% | 2,118 |
| Total domestic deposits to total assets | 90.0241% | 1,071 |
| Equity capital to assets | 9.2517% | 5,154 |
| Core capital (leverage) ratio | 8.3972% | 5,744 |
| Tier 1 risk-based capital ratio | 11.0470% | 6,516 |
| Total risk-based capital ratio | 12.2060% | 6,545 |
| Memoranda: | ||
| Average total assets | $61,768,000 | 6,015 |
| Average earning assets | $55,870,500 | 6,007 |
| Average equity | $5,734,500 | 6,216 |
| Average total loans | $46,927,000 | 5,344 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8932% | 3,390 |
| Cost of funding earning assets | 0.6385% | 5,879 |
| Net interest margin | 4.2547% | 1,858 |
| Noninterest income to average assets | 1.5928% | 531 |
| Noninterest expense to average assets | 3.3008% | 2,519 |
| Loan and lease loss provision to assets | 0.0819% | 5,589 |
| Net operating income to assets | 2.0065% | 307 |
| Return on assets (ROA) | 2.0240% | 315 |
| Pretax return on assets | 2.1376% | 417 |
| Return on Equity (ROE) | 20.8599% | 228 |
| Retained earnings to average equity (ytd only) | -1.5331% | 6,095 |
| Net charge-offs to loans | 0.0288% | 6,036 |
| Credit loss provision to net charge-offs | 376.9231% | 619 |
| Earnings coverage of net charge-offs (x) | 101.3077% | 306 |
| Efficiency ratio | 58.7181% | 5,945 |
| Assets per employee ($millions) | 4.4055% | 3,054 |
| Cash dividends to net income (ytd only)* | 107.3493% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 5,801 |
| Loan loss allowance to noncurrent loans | 197.0803% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 5,854 |
| Noncurrent loans to loans | 0.5597% | 5,600 |
| Net loans and leases to total assets | 78.5009% | 653 |
| Net loans and leases to deposits | 88.5380% | 1,317 |
| Net loans and leases to core deposits | 97.4009% | 1,380 |
| Total domestic deposits to total assets | 88.6635% | 1,743 |
| Equity capital to assets | 9.3163% | 5,127 |
| Core capital (leverage) ratio | 8.7043% | 5,243 |
| Tier 1 risk-based capital ratio | 10.2200% | 6,791 |
| Total risk-based capital ratio | 11.2799% | 6,835 |
| Memoranda: | ||
| Average total assets | $59,833,400 | 6,044 |
| Average earning assets | $54,974,400 | 6,017 |
| Average equity | $5,805,400 | 6,204 |
| Average total loans | $45,099,800 | 5,464 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9141% | 3,489 |
| Cost of funding earning assets | 0.6814% | 5,868 |
| Net interest margin | 4.2327% | 1,977 |
| Noninterest income to average assets | 1.8145% | 439 |
| Noninterest expense to average assets | 3.2809% | 2,556 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.3030% | 210 |
| Return on assets (ROA) | 2.3265% | 220 |
| Pretax return on assets | 2.4500% | 270 |
| Return on Equity (ROE) | 23.7327% | 171 |
| Retained earnings to average equity (ytd only) | 0.8247% | 5,681 |
| Net charge-offs to loans | 0.0091% | 6,036 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 359.9900% | 104 |
| Efficiency ratio | 56.2377% | 6,246 |
| Assets per employee ($millions) | 4.2201% | 3,408 |
| Cash dividends to net income (ytd only)* | 96.5250% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 5,952 |
| Loan loss allowance to noncurrent loans | 172.1649% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 5,605 |
| Noncurrent loans to loans | 0.6285% | 5,627 |
| Net loans and leases to total assets | 77.5177% | 764 |
| Net loans and leases to deposits | 88.3605% | 1,387 |
| Net loans and leases to core deposits | 97.7150% | 1,443 |
| Total domestic deposits to total assets | 87.7289% | 2,214 |
| Equity capital to assets | 9.9675% | 4,385 |
| Core capital (leverage) ratio | 9.0640% | 4,830 |
| Tier 1 risk-based capital ratio | 11.0631% | 6,504 |
| Total risk-based capital ratio | 12.1047% | 6,609 |
| Memoranda: | ||
| Average total assets | $59,372,500 | 6,113 |
| Average earning assets | $54,589,500 | 6,078 |
| Average equity | $5,820,250 | 6,247 |
| Average total loans | $44,135,500 | 5,552 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8990% | 3,626 |
| Cost of funding earning assets | 0.7067% | 5,920 |
| Net interest margin | 4.1923% | 2,068 |
| Noninterest income to average assets | 1.4629% | 597 |
| Noninterest expense to average assets | 3.1882% | 2,949 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9995% | 345 |
| Return on assets (ROA) | 2.0347% | 341 |
| Pretax return on assets | 2.1423% | 454 |
| Return on Equity (ROE) | 20.8717% | 272 |
| Retained earnings to average equity (ytd only) | 0.1725% | 5,771 |
| Net charge-offs to loans | 0.0138% | 5,651 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 208.6667% | 171 |
| Efficiency ratio | 58.9581% | 6,033 |
| Assets per employee ($millions) | 4.3324% | 3,116 |
| Cash dividends to net income (ytd only)* | 99.1736% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 5,807 |
| Loan loss allowance to noncurrent loans | 417.5000% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 6,350 |
| Noncurrent loans to loans | 0.2723% | 6,381 |
| Net loans and leases to total assets | 71.8304% | 1,821 |
| Net loans and leases to deposits | 80.2476% | 2,748 |
| Net loans and leases to core deposits | 88.3607% | 2,585 |
| Total domestic deposits to total assets | 89.5110% | 1,232 |
| Equity capital to assets | 9.7405% | 4,481 |
| Core capital (leverage) ratio | 8.7624% | 5,108 |
| Tier 1 risk-based capital ratio | 11.3855% | 6,262 |
| Total risk-based capital ratio | 12.4660% | 6,364 |
| Memoranda: | ||
| Average total assets | $59,469,330 | 6,157 |
| Average earning assets | $54,338,000 | 6,135 |
| Average equity | $5,797,330 | 6,291 |
| Average total loans | $43,414,000 | 5,636 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8646% | 3,751 |
| Cost of funding earning assets | 0.7341% | 5,955 |
| Net interest margin | 4.1305% | 2,154 |
| Noninterest income to average assets | 1.1617% | 957 |
| Noninterest expense to average assets | 3.3222% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5422% | 793 |
| Return on assets (ROA) | 1.5422% | 833 |
| Pretax return on assets | 1.6237% | 1,135 |
| Return on Equity (ROE) | 15.8133% | 698 |
| Retained earnings to average equity (ytd only) | -8.9168% | 6,813 |
| Net charge-offs to loans | 0.0371% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 59.7500% | 495 |
| Efficiency ratio | 65.6593% | 5,091 |
| Assets per employee ($millions) | 4.3385% | 3,159 |
| Cash dividends to net income (ytd only)* | 156.3877% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 5,793 |
| Loan loss allowance to noncurrent loans | 1,428.5714% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 6,739 |
| Noncurrent loans to loans | 0.0814% | 6,837 |
| Net loans and leases to total assets | 70.0061% | 2,131 |
| Net loans and leases to deposits | 77.8987% | 3,074 |
| Net loans and leases to core deposits | 85.6898% | 2,923 |
| Total domestic deposits to total assets | 89.8681% | 1,233 |
| Equity capital to assets | 9.2906% | 4,743 |
| Core capital (leverage) ratio | 8.5250% | 5,405 |
| Tier 1 risk-based capital ratio | 11.2641% | 6,293 |
| Total risk-based capital ratio | 12.3605% | 6,400 |
| Memoranda: | ||
| Average total assets | $58,877,000 | 6,228 |
| Average earning assets | $53,940,500 | 6,202 |
| Average equity | $5,742,000 | 6,327 |
| Average total loans | $43,086,500 | 5,702 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2966% | 3,146 |
| Cost of funding earning assets | 0.7879% | 6,622 |
| Net interest margin | 4.5088% | 1,211 |
| Noninterest income to average assets | 1.9122% | 426 |
| Noninterest expense to average assets | 3.7113% | 1,676 |
| Loan and lease loss provision to assets | 0.0487% | 6,666 |
| Net operating income to assets | 2.0653% | 252 |
| Return on assets (ROA) | 2.0653% | 261 |
| Pretax return on assets | 2.1749% | 341 |
| Return on Equity (ROE) | 19.1699% | 304 |
| Retained earnings to average equity (ytd only) | -9.8030% | 6,655 |
| Net charge-offs to loans | 0.2896% | 4,571 |
| Credit loss provision to net charge-offs | 22.4000% | 6,546 |
| Earnings coverage of net charge-offs (x) | 10.2240% | 1,739 |
| Efficiency ratio | 61.3017% | 5,846 |
| Assets per employee ($millions) | 4.0725% | 3,633 |
| Cash dividends to net income (ytd only)* | 151.1373% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 5,648 |
| Loan loss allowance to noncurrent loans | 2,016.0000% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 6,819 |
| Noncurrent loans to loans | 0.0579% | 6,979 |
| Net loans and leases to total assets | 74.8014% | 1,515 |
| Net loans and leases to deposits | 84.3262% | 2,401 |
| Net loans and leases to core deposits | 92.3657% | 2,455 |
| Total domestic deposits to total assets | 88.7047% | 1,821 |
| Equity capital to assets | 10.2447% | 3,450 |
| Core capital (leverage) ratio | 9.3501% | 3,927 |
| Tier 1 risk-based capital ratio | 11.6039% | 5,817 |
| Total risk-based capital ratio | 12.7170% | 5,934 |
| Memoranda: | ||
| Average total assets | $57,472,600 | 6,291 |
| Average earning assets | $51,278,000 | 6,316 |
| Average equity | $6,192,000 | 6,309 |
| Average total loans | $43,165,600 | 5,781 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2634% | 3,518 |
| Cost of funding earning assets | 0.8031% | 6,752 |
| Net interest margin | 4.4603% | 1,343 |
| Noninterest income to average assets | 1.8360% | 435 |
| Noninterest expense to average assets | 3.4521% | 2,154 |
| Loan and lease loss provision to assets | -0.0069% | 7,671 |
| Net operating income to assets | 2.2227% | 228 |
| Return on assets (ROA) | 2.2227% | 244 |
| Pretax return on assets | 2.3384% | 313 |
| Return on Equity (ROE) | 20.3825% | 291 |
| Retained earnings to average equity (ytd only) | -9.0023% | 6,827 |
| Net charge-offs to loans | 0.4849% | 3,335 |
| Credit loss provision to net charge-offs | -1.9108% | 6,849 |
| Earnings coverage of net charge-offs (x) | 6.4139% | 2,527 |
| Efficiency ratio | 58.4468% | 6,197 |
| Assets per employee ($millions) | 3.9078% | 4,019 |
| Cash dividends to net income (ytd only)* | 144.1667% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 5,943 |
| Loan loss allowance to noncurrent loans | 134.0426% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.8097% | 5,476 |
| Noncurrent loans to loans | 0.8207% | 5,577 |
| Net loans and leases to total assets | 72.4725% | 2,136 |
| Net loans and leases to deposits | 82.4304% | 3,026 |
| Net loans and leases to core deposits | 88.7618% | 3,274 |
| Total domestic deposits to total assets | 87.9197% | 2,006 |
| Equity capital to assets | 11.0549% | 2,909 |
| Core capital (leverage) ratio | 9.9056% | 3,350 |
| Tier 1 risk-based capital ratio | 12.7829% | 4,744 |
| Total risk-based capital ratio | 13.8217% | 4,895 |
| Memoranda: | ||
| Average total assets | $57,587,000 | 6,366 |
| Average earning assets | $50,966,750 | 6,400 |
| Average equity | $6,279,750 | 6,366 |
| Average total loans | $43,169,000 | 5,863 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2380% | 3,776 |
| Cost of funding earning assets | 0.8142% | 6,865 |
| Net interest margin | 4.4238% | 1,384 |
| Noninterest income to average assets | 1.5987% | 510 |
| Noninterest expense to average assets | 3.3614% | 2,368 |
| Loan and lease loss provision to assets | -0.0102% | 7,739 |
| Net operating income to assets | 2.0394% | 315 |
| Return on assets (ROA) | 2.0394% | 340 |
| Pretax return on assets | 2.1453% | 451 |
| Return on Equity (ROE) | 18.7824% | 406 |
| Retained earnings to average equity (ytd only) | -0.7236% | 5,910 |
| Net charge-offs to loans | 0.6788% | 2,520 |
| Credit loss provision to net charge-offs | -2.0000% | 6,590 |
| Earnings coverage of net charge-offs (x) | 4.1667% | 3,032 |
| Efficiency ratio | 59.8508% | 6,071 |
| Assets per employee ($millions) | 3.9714% | 3,820 |
| Cash dividends to net income (ytd only)* | 103.8526% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 5,799 |
| Loan loss allowance to noncurrent loans | 134.9398% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 5,510 |
| Noncurrent loans to loans | 0.8370% | 5,608 |
| Net loans and leases to total assets | 70.5324% | 2,787 |
| Net loans and leases to deposits | 80.4002% | 3,534 |
| Net loans and leases to core deposits | 84.5482% | 4,063 |
| Total domestic deposits to total assets | 87.7266% | 2,153 |
| Equity capital to assets | 11.4137% | 2,511 |
| Core capital (leverage) ratio | 10.3951% | 2,716 |
| Tier 1 risk-based capital ratio | 13.7690% | 3,898 |
| Total risk-based capital ratio | 14.8295% | 3,983 |
| Memoranda: | ||
| Average total assets | $58,546,330 | 6,368 |
| Average earning assets | $51,584,330 | 6,421 |
| Average equity | $6,357,000 | 6,352 |
| Average total loans | $44,195,330 | 5,857 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0832% | 4,611 |
| Cost of funding earning assets | 0.8510% | 6,935 |
| Net interest margin | 4.2322% | 1,921 |
| Noninterest income to average assets | 1.2596% | 773 |
| Noninterest expense to average assets | 3.4056% | 2,219 |
| Loan and lease loss provision to assets | -0.0200% | 7,844 |
| Net operating income to assets | 1.5395% | 837 |
| Return on assets (ROA) | 1.5395% | 900 |
| Pretax return on assets | 1.6195% | 1,221 |
| Return on Equity (ROE) | 14.5226% | 955 |
| Retained earnings to average equity (ytd only) | -1.8232% | 6,186 |
| Net charge-offs to loans | 1.2053% | 1,411 |
| Credit loss provision to net charge-offs | -2.1429% | 5,946 |
| Earnings coverage of net charge-offs (x) | 1.7143% | 3,702 |
| Efficiency ratio | 66.7111% | 4,973 |
| Assets per employee ($millions) | 4.0767% | 3,690 |
| Cash dividends to net income (ytd only)* | 112.5541% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 5,776 |
| Loan loss allowance to noncurrent loans | 92.7126% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 1.0653% | 5,017 |
| Noncurrent loans to loans | 1.2401% | 4,899 |
| Net loans and leases to total assets | 68.9911% | 3,156 |
| Net loans and leases to deposits | 78.4211% | 3,960 |
| Net loans and leases to core deposits | 82.9877% | 4,345 |
| Total domestic deposits to total assets | 87.9753% | 2,077 |
| Equity capital to assets | 11.0926% | 2,677 |
| Core capital (leverage) ratio | 9.8177% | 3,380 |
| Tier 1 risk-based capital ratio | 13.6816% | 3,876 |
| Total risk-based capital ratio | 14.7642% | 3,937 |
| Memoranda: | ||
| Average total assets | $60,019,500 | 6,382 |
| Average earning assets | $53,116,500 | 6,434 |
| Average equity | $6,362,500 | 6,397 |
| Average total loans | $46,461,000 | 5,821 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4859% | 135 |
| Cost of funding earning assets | 1.5452% | 5,308 |
| Net interest margin | 5.9407% | 118 |
| Noninterest income to average assets | 1.7893% | 457 |
| Noninterest expense to average assets | 3.4060% | 2,661 |
| Loan and lease loss provision to assets | 2.0546% | 1,037 |
| Net operating income to assets | 1.6418% | 494 |
| Return on assets (ROA) | 1.6418% | 525 |
| Pretax return on assets | 1.7297% | 732 |
| Return on Equity (ROE) | 16.8351% | 471 |
| Retained earnings to average equity (ytd only) | 4.4422% | 2,135 |
| Net charge-offs to loans | 2.3780% | 966 |
| Credit loss provision to net charge-offs | 104.7200% | 5,285 |
| Earnings coverage of net charge-offs (x) | 1.9288% | 4,278 |
| Efficiency ratio | 46.4527% | 7,694 |
| Assets per employee ($millions) | 4.4975% | 2,927 |
| Cash dividends to net income (ytd only)* | 73.6138% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 5,739 |
| Loan loss allowance to noncurrent loans | 53.5174% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 1.9646% | 3,442 |
| Noncurrent loans to loans | 2.1154% | 3,495 |
| Net loans and leases to total assets | 83.3590% | 505 |
| Net loans and leases to deposits | 93.9113% | 1,604 |
| Net loans and leases to core deposits | 114.7006% | 2,442 |
| Total domestic deposits to total assets | 88.7636% | 1,590 |
| Equity capital to assets | 10.1548% | 3,555 |
| Core capital (leverage) ratio | 9.2478% | 4,058 |
| Tier 1 risk-based capital ratio | 10.6164% | 6,285 |
| Total risk-based capital ratio | 11.7145% | 6,404 |
| Memoranda: | ||
| Average total assets | $63,710,400 | 6,211 |
| Average earning assets | $57,922,600 | 6,222 |
| Average equity | $6,213,200 | 6,526 |
| Average total loans | $52,565,000 | 5,564 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2478% | 212 |
| Cost of funding earning assets | 1.6289% | 5,264 |
| Net interest margin | 5.6189% | 158 |
| Noninterest income to average assets | 1.6401% | 545 |
| Noninterest expense to average assets | 3.1321% | 3,530 |
| Loan and lease loss provision to assets | 1.9322% | 949 |
| Net operating income to assets | 1.6297% | 629 |
| Return on assets (ROA) | 1.6297% | 676 |
| Pretax return on assets | 1.7152% | 942 |
| Return on Equity (ROE) | 16.8825% | 558 |
| Retained earnings to average equity (ytd only) | 4.5611% | 2,727 |
| Net charge-offs to loans | 2.2173% | 867 |
| Credit loss provision to net charge-offs | 106.1927% | 4,795 |
| Earnings coverage of net charge-offs (x) | 2.0046% | 4,317 |
| Efficiency ratio | 45.2447% | 7,795 |
| Assets per employee ($millions) | 4.4634% | 2,922 |
| Cash dividends to net income (ytd only)* | 72.9831% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,529 |
| Loan loss allowance to noncurrent loans | 39.0052% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 2.7094% | 2,567 |
| Noncurrent loans to loans | 2.8994% | 2,627 |
| Net loans and leases to total assets | 83.3837% | 624 |
| Net loans and leases to deposits | 94.0285% | 1,878 |
| Net loans and leases to core deposits | 119.2884% | 2,311 |
| Total domestic deposits to total assets | 88.6792% | 1,349 |
| Equity capital to assets | 10.1493% | 3,908 |
| Core capital (leverage) ratio | 9.1564% | 4,407 |
| Tier 1 risk-based capital ratio | 10.6381% | 6,308 |
| Total risk-based capital ratio | 11.7436% | 6,428 |
| Memoranda: | ||
| Average total assets | $63,896,750 | 6,251 |
| Average earning assets | $58,444,000 | 6,238 |
| Average equity | $6,168,000 | 6,602 |
| Average total loans | $52,434,250 | 5,617 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9239% | 362 |
| Cost of funding earning assets | 1.6862% | 5,339 |
| Net interest margin | 5.2377% | 280 |
| Noninterest income to average assets | 1.2646% | 953 |
| Noninterest expense to average assets | 3.0979% | 3,711 |
| Loan and lease loss provision to assets | 1.7338% | 965 |
| Net operating income to assets | 1.1869% | 1,512 |
| Return on assets (ROA) | 1.1869% | 1,598 |
| Pretax return on assets | 1.2491% | 2,164 |
| Return on Equity (ROE) | 12.5041% | 1,287 |
| Retained earnings to average equity (ytd only) | -2.0295% | 5,750 |
| Net charge-offs to loans | 1.9180% | 976 |
| Credit loss provision to net charge-offs | 111.1554% | 4,161 |
| Earnings coverage of net charge-offs (x) | 1.9124% | 4,147 |
| Efficiency ratio | 49.8723% | 7,680 |
| Assets per employee ($millions) | 4.9233% | 2,172 |
| Cash dividends to net income (ytd only)* | 116.2304% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 5,118 |
| Loan loss allowance to noncurrent loans | 41.1846% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 2.5264% | 2,549 |
| Noncurrent loans to loans | 2.8514% | 2,529 |
| Net loans and leases to total assets | 78.6276% | 1,611 |
| Net loans and leases to deposits | 87.8715% | 3,194 |
| Net loans and leases to core deposits | 111.9331% | 3,142 |
| Total domestic deposits to total assets | 89.4802% | 1,050 |
| Equity capital to assets | 9.4574% | 4,666 |
| Core capital (leverage) ratio | 8.5385% | 5,371 |
| Tier 1 risk-based capital ratio | 10.3549% | 6,525 |
| Total risk-based capital ratio | 11.4911% | 6,588 |
| Memoranda: | ||
| Average total assets | $64,366,670 | 6,290 |
| Average earning assets | $59,186,670 | 6,268 |
| Average equity | $6,110,000 | 6,683 |
| Average total loans | $52,345,670 | 5,665 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7197% | 563 |
| Cost of funding earning assets | 1.7883% | 5,171 |
| Net interest margin | 4.9314% | 474 |
| Noninterest income to average assets | 1.1030% | 1,224 |
| Noninterest expense to average assets | 2.9497% | 3,975 |
| Loan and lease loss provision to assets | 1.4067% | 905 |
| Net operating income to assets | 1.1960% | 1,664 |
| Return on assets (ROA) | 1.1960% | 1,778 |
| Pretax return on assets | 1.2580% | 2,422 |
| Return on Equity (ROE) | 12.5764% | 1,491 |
| Retained earnings to average equity (ytd only) | 6.0601% | 2,596 |
| Net charge-offs to loans | 1.7943% | 805 |
| Credit loss provision to net charge-offs | 95.3782% | 3,886 |
| Earnings coverage of net charge-offs (x) | 1.8067% | 3,824 |
| Efficiency ratio | 51.4349% | 7,474 |
| Assets per employee ($millions) | 4.6544% | 2,507 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 6,022 |
| Loan loss allowance to noncurrent loans | 61.7442% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.5730% | 3,571 |
| Noncurrent loans to loans | 1.6552% | 3,793 |
| Net loans and leases to total assets | 78.9233% | 1,601 |
| Net loans and leases to deposits | 88.2823% | 3,240 |
| Net loans and leases to core deposits | 113.7259% | 3,031 |
| Total domestic deposits to total assets | 89.3987% | 1,053 |
| Equity capital to assets | 9.5040% | 4,658 |
| Core capital (leverage) ratio | 8.7118% | 5,132 |
| Tier 1 risk-based capital ratio | 10.4124% | 6,485 |
| Total risk-based capital ratio | 11.4007% | 6,670 |
| Memoranda: | ||
| Average total assets | $64,548,500 | 6,309 |
| Average earning assets | $59,050,000 | 6,299 |
| Average equity | $6,138,500 | 6,715 |
| Average total loans | $53,057,500 | 5,668 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0039% | 1,123 |
| Cost of funding earning assets | 2.5046% | 4,185 |
| Net interest margin | 4.4993% | 1,423 |
| Noninterest income to average assets | 2.0930% | 323 |
| Noninterest expense to average assets | 3.2883% | 3,003 |
| Loan and lease loss provision to assets | 1.5468% | 866 |
| Net operating income to assets | 1.3125% | 1,453 |
| Return on assets (ROA) | 1.3125% | 1,408 |
| Pretax return on assets | 1.4074% | 1,952 |
| Return on Equity (ROE) | 14.4284% | 1,024 |
| Retained earnings to average equity (ytd only) | 12.6880% | 185 |
| Net charge-offs to loans | 1.7688% | 620 |
| Credit loss provision to net charge-offs | 102.9505% | 5,184 |
| Earnings coverage of net charge-offs (x) | 1.9663% | 5,083 |
| Efficiency ratio | 51.6104% | 7,530 |
| Assets per employee ($millions) | 4.5668% | 2,517 |
| Cash dividends to net income (ytd only)* | 12.0627% | 4,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,046 |
| Loan loss allowance to noncurrent loans | 132.8431% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6381% | 5,300 |
| Noncurrent loans to loans | 0.7534% | 5,147 |
| Net loans and leases to total assets | 83.8570% | 905 |
| Net loans and leases to deposits | 96.2238% | 2,415 |
| Net loans and leases to core deposits | 120.6029% | 2,630 |
| Total domestic deposits to total assets | 87.1479% | 1,866 |
| Equity capital to assets | 9.5159% | 4,668 |
| Core capital (leverage) ratio | 9.0199% | 4,711 |
| Tier 1 risk-based capital ratio | 9.9817% | 6,752 |
| Total risk-based capital ratio | 10.9633% | 6,967 |
| Memoranda: | ||
| Average total assets | $63,164,000 | 6,270 |
| Average earning assets | $58,253,600 | 6,252 |
| Average equity | $5,745,600 | 6,902 |
| Average total loans | $53,653,200 | 5,539 |