Home > Laura State Bank > Performance and Condition Ratios
Laura State Bank, Performance and Condition Ratios
| 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 | 2.7423% | 5,472 |
| Cost of funding earning assets | 0.1192% | 5,392 |
| Net interest margin | 2.6231% | 5,309 |
| Noninterest income to average assets | 0.2693% | 4,372 |
| Noninterest expense to average assets | 3.0299% | 1,992 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2918% | 5,469 |
| Return on assets (ROA) | -0.2918% | 5,463 |
| Pretax return on assets | -0.2918% | 5,464 |
| Return on Equity (ROE) | -2.9487% | 5,465 |
| Retained earnings to average equity (ytd only) | -2.9487% | 5,078 |
| 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 | 110.6557% | 99 |
| Assets per employee ($millions) | 8.6250% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8959% | 658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 32.9971% | 5,293 |
| Net loans and leases to deposits | 36.7368% | 5,346 |
| Net loans and leases to core deposits | 36.7368% | 5,384 |
| Total domestic deposits to total assets | 89.8203% | 727 |
| Equity capital to assets | 10.1275% | 3,476 |
| Core capital (leverage) ratio | 9.8056% | 3,751 |
| Tier 1 risk-based capital ratio | 29.7776% | 483 |
| Total risk-based capital ratio | 31.0316% | 471 |
| Memoranda: | ||
| Average total assets | $17,822,500 | 5,558 |
| Average earning assets | $16,774,000 | 5,546 |
| Average equity | $1,763,500 | 5,566 |
| Average total loans | $6,109,500 | 5,541 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6594% | 5,507 |
| Cost of funding earning assets | 0.0826% | 5,542 |
| Net interest margin | 2.5768% | 5,366 |
| Noninterest income to average assets | 0.3597% | 3,899 |
| Noninterest expense to average assets | 2.5563% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2213% | 5,066 |
| Return on assets (ROA) | 0.2213% | 5,088 |
| Pretax return on assets | 0.2213% | 5,290 |
| Return on Equity (ROE) | 2.2485% | 5,008 |
| Retained earnings to average equity (ytd only) | 2.0236% | 4,106 |
| Net charge-offs to loans | 0.0159% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,263 |
| Efficiency ratio | 92.0319% | 352 |
| Assets per employee ($millions) | 9.1975% | 424 |
| Cash dividends to net income (ytd only)* | 10.0000% | 3,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 34.2865% | 5,337 |
| Net loans and leases to deposits | 37.9734% | 5,391 |
| Net loans and leases to core deposits | 37.9734% | 5,424 |
| Total domestic deposits to total assets | 90.2908% | 471 |
| Equity capital to assets | 9.6765% | 4,062 |
| Core capital (leverage) ratio | 9.5563% | 3,971 |
| Tier 1 risk-based capital ratio | 27.3184% | 581 |
| Total risk-based capital ratio | 28.5671% | 571 |
| Memoranda: | ||
| Average total assets | $18,073,000 | 5,618 |
| Average earning assets | $16,958,800 | 5,603 |
| Average equity | $1,779,000 | 5,624 |
| Average total loans | $6,286,600 | 5,603 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5848% | 5,596 |
| Cost of funding earning assets | 0.0867% | 5,603 |
| Net interest margin | 2.4981% | 5,472 |
| Noninterest income to average assets | 0.3631% | 3,935 |
| Noninterest expense to average assets | 2.4602% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2519% | 5,293 |
| Return on assets (ROA) | 0.2519% | 5,309 |
| Pretax return on assets | 0.2519% | 5,338 |
| Return on Equity (ROE) | 2.5484% | 5,210 |
| Retained earnings to average equity (ytd only) | 2.5484% | 4,362 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7104% | 385 |
| Assets per employee ($millions) | 9.4230% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6674% | 1,098 |
| Loan loss allowance to noncurrent loans | 220.0000% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 4,010 |
| Noncurrent loans to loans | 0.7579% | 2,465 |
| Net loans and leases to total assets | 34.4211% | 5,405 |
| Net loans and leases to deposits | 38.0648% | 5,459 |
| Net loans and leases to core deposits | 38.0648% | 5,491 |
| Total domestic deposits to total assets | 90.4277% | 346 |
| Equity capital to assets | 9.5405% | 4,405 |
| Core capital (leverage) ratio | 9.7063% | 3,928 |
| Tier 1 risk-based capital ratio | 26.5373% | 643 |
| Total risk-based capital ratio | 27.7819% | 629 |
| Memoranda: | ||
| Average total assets | $17,992,500 | 5,684 |
| Average earning assets | $16,919,000 | 5,669 |
| Average equity | $1,778,750 | 5,690 |
| Average total loans | $6,254,000 | 5,668 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4989% | 5,663 |
| Cost of funding earning assets | 0.0841% | 5,644 |
| Net interest margin | 2.4148% | 5,560 |
| Noninterest income to average assets | 0.3840% | 3,801 |
| Noninterest expense to average assets | 2.3605% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2937% | 5,239 |
| Return on assets (ROA) | 0.2937% | 5,254 |
| Pretax return on assets | 0.2937% | 5,347 |
| Return on Equity (ROE) | 2.9340% | 5,143 |
| Retained earnings to average equity (ytd only) | 2.9340% | 3,968 |
| Net charge-offs to loans | 0.0326% | 2,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,586 |
| Efficiency ratio | 88.9362% | 508 |
| Assets per employee ($millions) | 9.3370% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6763% | 1,103 |
| Loan loss allowance to noncurrent loans | 85.9375% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.6854% | 2,499 |
| Noncurrent loans to loans | 1.9506% | 877 |
| Net loans and leases to total assets | 34.5507% | 5,428 |
| Net loans and leases to deposits | 38.2250% | 5,502 |
| Net loans and leases to core deposits | 38.2250% | 5,538 |
| Total domestic deposits to total assets | 90.3877% | 398 |
| Equity capital to assets | 9.5855% | 4,329 |
| Core capital (leverage) ratio | 10.2879% | 3,160 |
| Tier 1 risk-based capital ratio | 31.9878% | 406 |
| Total risk-based capital ratio | 33.2436% | 396 |
| Memoranda: | ||
| Average total assets | $17,708,000 | 5,735 |
| Average earning assets | $16,647,330 | 5,724 |
| Average equity | $1,772,330 | 5,741 |
| Average total loans | $6,139,670 | 5,717 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3311% | 5,762 |
| Cost of funding earning assets | 0.0992% | 5,649 |
| Net interest margin | 2.2319% | 5,685 |
| Noninterest income to average assets | 0.3716% | 3,875 |
| Noninterest expense to average assets | 2.4151% | 4,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0464% | 5,575 |
| Return on assets (ROA) | 0.0464% | 5,581 |
| Pretax return on assets | 0.0464% | 5,573 |
| Return on Equity (ROE) | 0.4536% | 5,570 |
| Retained earnings to average equity (ytd only) | 0.4536% | 4,814 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1132% | 265 |
| Assets per employee ($millions) | 8.5630% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9491% | 735 |
| Loan loss allowance to noncurrent loans | 100.9091% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6423% | 2,708 |
| Noncurrent loans to loans | 1.9315% | 935 |
| Net loans and leases to total assets | 32.6054% | 5,522 |
| Net loans and leases to deposits | 36.3684% | 5,573 |
| Net loans and leases to core deposits | 36.3684% | 5,613 |
| Total domestic deposits to total assets | 89.6532% | 826 |
| Equity capital to assets | 10.2943% | 3,414 |
| Core capital (leverage) ratio | 9.9306% | 3,587 |
| Tier 1 risk-based capital ratio | 29.4788% | 497 |
| Total risk-based capital ratio | 30.7357% | 497 |
| Memoranda: | ||
| Average total assets | $17,225,000 | 5,810 |
| Average earning assets | $16,129,500 | 5,796 |
| Average equity | $1,763,500 | 5,806 |
| Average total loans | $5,928,500 | 5,789 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3979% | 5,790 |
| Cost of funding earning assets | 0.0872% | 5,752 |
| Net interest margin | 2.3107% | 5,705 |
| Noninterest income to average assets | 0.3051% | 4,557 |
| Noninterest expense to average assets | 2.3646% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1173% | 5,543 |
| Return on assets (ROA) | 0.1173% | 5,570 |
| Pretax return on assets | 0.1173% | 5,578 |
| Return on Equity (ROE) | 1.1280% | 5,549 |
| Retained earnings to average equity (ytd only) | 0.9024% | 4,960 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2719% | 339 |
| Assets per employee ($millions) | 8.6620% | 472 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8014% | 944 |
| Loan loss allowance to noncurrent loans | 181.9672% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 3,874 |
| Noncurrent loans to loans | 0.9899% | 2,114 |
| Net loans and leases to total assets | 34.9284% | 5,519 |
| Net loans and leases to deposits | 38.8982% | 5,578 |
| Net loans and leases to core deposits | 38.8982% | 5,622 |
| Total domestic deposits to total assets | 89.7945% | 728 |
| Equity capital to assets | 10.1824% | 3,503 |
| Core capital (leverage) ratio | 9.7443% | 3,810 |
| Tier 1 risk-based capital ratio | 29.9064% | 482 |
| Total risk-based capital ratio | 31.1489% | 482 |
| Memoranda: | ||
| Average total assets | $17,043,200 | 5,866 |
| Average earning assets | $16,055,600 | 5,850 |
| Average equity | $1,773,000 | 5,865 |
| Average total loans | $5,957,800 | 5,847 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3822% | 5,857 |
| Cost of funding earning assets | 0.0916% | 5,803 |
| Net interest margin | 2.2906% | 5,780 |
| Noninterest income to average assets | 0.3142% | 4,521 |
| Noninterest expense to average assets | 2.3331% | 4,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1414% | 5,567 |
| Return on assets (ROA) | 0.1414% | 5,625 |
| Pretax return on assets | 0.1414% | 5,638 |
| Return on Equity (ROE) | 1.3519% | 5,589 |
| Retained earnings to average equity (ytd only) | 1.3519% | 4,973 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2857% | 376 |
| Assets per employee ($millions) | 9.0035% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8125% | 995 |
| Loan loss allowance to noncurrent loans | 231.2500% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 4,367 |
| Noncurrent loans to loans | 0.7838% | 2,721 |
| Net loans and leases to total assets | 33.3926% | 5,646 |
| Net loans and leases to deposits | 37.1035% | 5,698 |
| Net loans and leases to core deposits | 37.1035% | 5,736 |
| Total domestic deposits to total assets | 89.9983% | 481 |
| Equity capital to assets | 9.9683% | 4,156 |
| Core capital (leverage) ratio | 10.1912% | 3,339 |
| Tier 1 risk-based capital ratio | 28.1305% | 579 |
| Total risk-based capital ratio | 29.3779% | 569 |
| Memoranda: | ||
| Average total assets | $16,973,000 | 5,931 |
| Average earning assets | $16,007,000 | 5,916 |
| Average equity | $1,775,250 | 5,930 |
| Average total loans | $5,906,750 | 5,911 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4063% | 5,927 |
| Cost of funding earning assets | 0.0896% | 5,892 |
| Net interest margin | 2.3167% | 5,853 |
| Noninterest income to average assets | 0.3247% | 4,458 |
| Noninterest expense to average assets | 2.3815% | 4,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1203% | 5,644 |
| Return on assets (ROA) | 0.1203% | 5,691 |
| Pretax return on assets | 0.1203% | 5,702 |
| Return on Equity (ROE) | 1.1308% | 5,669 |
| Retained earnings to average equity (ytd only) | 1.1308% | 4,931 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1923% | 373 |
| Assets per employee ($millions) | 8.7610% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9089% | 881 |
| Loan loss allowance to noncurrent loans | 201.8182% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 4,244 |
| Noncurrent loans to loans | 0.9458% | 2,390 |
| Net loans and leases to total assets | 32.5534% | 5,730 |
| Net loans and leases to deposits | 36.2665% | 5,785 |
| Net loans and leases to core deposits | 36.2665% | 5,812 |
| Total domestic deposits to total assets | 89.7614% | 577 |
| Equity capital to assets | 10.2100% | 3,963 |
| Core capital (leverage) ratio | 9.9410% | 3,632 |
| Tier 1 risk-based capital ratio | 29.5616% | 518 |
| Total risk-based capital ratio | 30.8094% | 511 |
| Memoranda: | ||
| Average total assets | $16,628,330 | 6,012 |
| Average earning assets | $15,625,670 | 5,994 |
| Average equity | $1,768,670 | 6,005 |
| Average total loans | $5,834,330 | 5,990 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3348% | 6,013 |
| Cost of funding earning assets | 0.1061% | 5,890 |
| Net interest margin | 2.2286% | 5,952 |
| Noninterest income to average assets | 0.3214% | 4,434 |
| Noninterest expense to average assets | 2.3484% | 4,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0494% | 5,743 |
| Return on assets (ROA) | 0.0494% | 5,779 |
| Pretax return on assets | 0.0494% | 5,781 |
| Return on Equity (ROE) | 0.4549% | 5,776 |
| Retained earnings to average equity (ytd only) | 0.4549% | 5,004 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9381% | 342 |
| Assets per employee ($millions) | 8.0545% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9362% | 916 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 3,753 |
| Noncurrent loans to loans | 1.2908% | 1,870 |
| Net loans and leases to total assets | 34.8997% | 5,679 |
| Net loans and leases to deposits | 39.2214% | 5,738 |
| Net loans and leases to core deposits | 39.2214% | 5,792 |
| Total domestic deposits to total assets | 88.9813% | 1,111 |
| Equity capital to assets | 10.9690% | 2,976 |
| Core capital (leverage) ratio | 10.6552% | 2,790 |
| Tier 1 risk-based capital ratio | 30.1903% | 501 |
| Total risk-based capital ratio | 31.4360% | 490 |
| Memoranda: | ||
| Average total assets | $16,181,500 | 6,080 |
| Average earning assets | $15,076,500 | 6,062 |
| Average equity | $1,758,500 | 6,066 |
| Average total loans | $5,844,000 | 6,051 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2311% | 6,070 |
| Cost of funding earning assets | 0.0930% | 5,992 |
| Net interest margin | 2.1381% | 6,010 |
| Noninterest income to average assets | 0.3817% | 4,176 |
| Noninterest expense to average assets | 2.4842% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0876% | 5,919 |
| Return on assets (ROA) | -0.0876% | 5,934 |
| Pretax return on assets | -0.0876% | 5,923 |
| Return on Equity (ROE) | -0.7976% | 5,934 |
| Retained earnings to average equity (ytd only) | -0.9686% | 5,653 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6554% | 220 |
| Assets per employee ($millions) | 8.1270% | 528 |
| Cash dividends to net income (ytd only)* | -21.4286% | 6,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8640% | 1,025 |
| Loan loss allowance to noncurrent loans | 213.4615% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 4,310 |
| Noncurrent loans to loans | 0.8732% | 2,605 |
| Net loans and leases to total assets | 35.9542% | 5,710 |
| Net loans and leases to deposits | 40.3062% | 5,763 |
| Net loans and leases to core deposits | 40.3062% | 5,811 |
| Total domestic deposits to total assets | 89.2027% | 1,020 |
| Equity capital to assets | 10.7666% | 3,057 |
| Core capital (leverage) ratio | 10.5368% | 2,892 |
| Tier 1 risk-based capital ratio | 32.7693% | 404 |
| Total risk-based capital ratio | 34.0290% | 392 |
| Memoranda: | ||
| Average total assets | $15,981,200 | 6,142 |
| Average earning assets | $15,059,800 | 6,125 |
| Average equity | $1,755,200 | 6,123 |
| Average total loans | $5,295,400 | 6,111 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1682% | 6,171 |
| Cost of funding earning assets | 0.0974% | 6,070 |
| Net interest margin | 2.0708% | 6,116 |
| Noninterest income to average assets | 0.3771% | 4,237 |
| Noninterest expense to average assets | 2.4466% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1089% | 6,006 |
| Return on assets (ROA) | -0.1089% | 6,029 |
| Pretax return on assets | -0.1089% | 6,015 |
| Return on Equity (ROE) | -0.9866% | 6,024 |
| Retained earnings to average equity (ytd only) | -0.9866% | 5,758 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6595% | 204 |
| Assets per employee ($millions) | 8.2350% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1872% | 683 |
| Loan loss allowance to noncurrent loans | 284.6154% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 4,810 |
| Noncurrent loans to loans | 0.7685% | 3,045 |
| Net loans and leases to total assets | 30.1396% | 5,967 |
| Net loans and leases to deposits | 33.7480% | 6,019 |
| Net loans and leases to core deposits | 33.7480% | 6,049 |
| Total domestic deposits to total assets | 89.3078% | 865 |
| Equity capital to assets | 10.6557% | 3,402 |
| Core capital (leverage) ratio | 10.5285% | 3,012 |
| Tier 1 risk-based capital ratio | 34.6696% | 352 |
| Total risk-based capital ratio | 35.9397% | 354 |
| Memoranda: | ||
| Average total assets | $15,913,000 | 6,228 |
| Average earning assets | $15,066,250 | 6,208 |
| Average equity | $1,756,500 | 6,210 |
| Average total loans | $5,130,500 | 6,200 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1515% | 6,248 |
| Cost of funding earning assets | 0.0947% | 6,150 |
| Net interest margin | 2.0567% | 6,192 |
| Noninterest income to average assets | 0.3561% | 4,413 |
| Noninterest expense to average assets | 2.5179% | 4,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.2289% | 6,114 |
| Return on assets (ROA) | -0.2289% | 6,131 |
| Pretax return on assets | -0.2289% | 6,121 |
| Return on Equity (ROE) | -2.0489% | 6,131 |
| Retained earnings to average equity (ytd only) | -2.0489% | 5,835 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0000% | 172 |
| Assets per employee ($millions) | 8.3065% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1954% | 736 |
| Loan loss allowance to noncurrent loans | 317.1429% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 5,024 |
| Noncurrent loans to loans | 0.6922% | 3,415 |
| Net loans and leases to total assets | 29.7658% | 6,045 |
| Net loans and leases to deposits | 33.2728% | 6,097 |
| Net loans and leases to core deposits | 33.2728% | 6,118 |
| Total domestic deposits to total assets | 89.4601% | 916 |
| Equity capital to assets | 10.5098% | 3,426 |
| Core capital (leverage) ratio | 10.6596% | 2,776 |
| Tier 1 risk-based capital ratio | 34.0900% | 390 |
| Total risk-based capital ratio | 35.3425% | 389 |
| Memoranda: | ||
| Average total assets | $15,727,330 | 6,306 |
| Average earning assets | $14,780,670 | 6,281 |
| Average equity | $1,757,000 | 6,284 |
| Average total loans | $5,149,000 | 6,273 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1816% | 6,311 |
| Cost of funding earning assets | 0.0839% | 6,254 |
| Net interest margin | 2.0977% | 6,248 |
| Noninterest income to average assets | 0.3402% | 4,473 |
| Noninterest expense to average assets | 2.6432% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.3402% | 6,202 |
| Return on assets (ROA) | -0.3402% | 6,216 |
| Pretax return on assets | -0.3402% | 6,202 |
| Return on Equity (ROE) | -2.9504% | 6,213 |
| Retained earnings to average equity (ytd only) | -2.9504% | 5,787 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.7727% | 161 |
| Assets per employee ($millions) | 7.4675% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1876% | 822 |
| Loan loss allowance to noncurrent loans | 107.7670% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 3,421 |
| Noncurrent loans to loans | 2.0300% | 1,288 |
| Net loans and leases to total assets | 33.2307% | 5,949 |
| Net loans and leases to deposits | 37.6984% | 5,998 |
| Net loans and leases to core deposits | 37.6984% | 6,048 |
| Total domestic deposits to total assets | 88.1486% | 1,734 |
| Equity capital to assets | 11.7978% | 2,202 |
| Core capital (leverage) ratio | 11.2557% | 2,187 |
| Tier 1 risk-based capital ratio | 37.4090% | 300 |
| Total risk-based capital ratio | 38.6724% | 297 |
| Memoranda: | ||
| Average total assets | $15,284,500 | 6,376 |
| Average earning assets | $14,301,500 | 6,353 |
| Average equity | $1,762,500 | 6,349 |
| Average total loans | $5,195,500 | 6,340 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0587% | 6,415 |
| Cost of funding earning assets | 0.0930% | 6,346 |
| Net interest margin | 1.9657% | 6,378 |
| Noninterest income to average assets | 0.3892% | 4,269 |
| Noninterest expense to average assets | 2.3667% | 4,930 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.1193% | 6,167 |
| Return on assets (ROA) | -0.1193% | 6,170 |
| Pretax return on assets | -0.1193% | 6,147 |
| Return on Equity (ROE) | -1.0733% | 6,171 |
| Retained earnings to average equity (ytd only) | -1.2428% | 5,950 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3073% | 271 |
| Assets per employee ($millions) | 7.8170% | 571 |
| Cash dividends to net income (ytd only)* | -15.7895% | 6,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0876% | 968 |
| Loan loss allowance to noncurrent loans | 284.6154% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 5,029 |
| Noncurrent loans to loans | 0.7335% | 3,486 |
| Net loans and leases to total assets | 33.2992% | 6,070 |
| Net loans and leases to deposits | 37.5451% | 6,117 |
| Net loans and leases to core deposits | 37.5451% | 6,166 |
| Total domestic deposits to total assets | 88.6913% | 1,414 |
| Equity capital to assets | 11.2767% | 2,622 |
| Core capital (leverage) ratio | 11.1782% | 2,235 |
| Tier 1 risk-based capital ratio | 32.4245% | 419 |
| Total risk-based capital ratio | 33.1982% | 421 |
| Memoranda: | ||
| Average total assets | $15,929,200 | 6,455 |
| Average earning assets | $15,058,200 | 6,435 |
| Average equity | $1,770,200 | 6,429 |
| Average total loans | $5,040,200 | 6,434 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0129% | 6,501 |
| Cost of funding earning assets | 0.0967% | 6,423 |
| Net interest margin | 1.9162% | 6,467 |
| Noninterest income to average assets | 0.3749% | 4,432 |
| Noninterest expense to average assets | 2.4162% | 4,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2250% | 6,276 |
| Return on assets (ROA) | -0.2250% | 6,278 |
| Pretax return on assets | -0.2250% | 6,262 |
| Return on Equity (ROE) | -2.0316% | 6,286 |
| Retained earnings to average equity (ytd only) | -2.0316% | 6,076 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2662% | 217 |
| Assets per employee ($millions) | 8.0270% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2699% | 856 |
| Loan loss allowance to noncurrent loans | 142.3077% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 4,426 |
| Noncurrent loans to loans | 1.5951% | 2,031 |
| Net loans and leases to total assets | 29.7683% | 6,258 |
| Net loans and leases to deposits | 33.4453% | 6,314 |
| Net loans and leases to core deposits | 33.4453% | 6,333 |
| Total domestic deposits to total assets | 89.0059% | 1,233 |
| Equity capital to assets | 10.9630% | 2,992 |
| Core capital (leverage) ratio | 11.0893% | 2,402 |
| Tier 1 risk-based capital ratio | 27.2854% | 688 |
| Total risk-based capital ratio | 27.7519% | 731 |
| Memoranda: | ||
| Average total assets | $16,003,000 | 6,535 |
| Average earning assets | $15,168,500 | 6,513 |
| Average equity | $1,772,000 | 6,506 |
| Average total loans | $4,971,000 | 6,514 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0304% | 6,569 |
| Cost of funding earning assets | 0.0923% | 6,500 |
| Net interest margin | 1.9381% | 6,536 |
| Noninterest income to average assets | 0.3503% | 4,625 |
| Noninterest expense to average assets | 2.3521% | 5,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1626% | 6,291 |
| Return on assets (ROA) | -0.1626% | 6,304 |
| Pretax return on assets | -0.1626% | 6,290 |
| Return on Equity (ROE) | -1.4640% | 6,304 |
| Retained earnings to average equity (ytd only) | -1.4640% | 5,923 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4286% | 268 |
| Assets per employee ($millions) | 7.9835% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3236% | 874 |
| Loan loss allowance to noncurrent loans | 165.6716% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 4,749 |
| Noncurrent loans to loans | 1.4026% | 2,453 |
| Net loans and leases to total assets | 29.2228% | 6,330 |
| Net loans and leases to deposits | 32.8962% | 6,367 |
| Net loans and leases to core deposits | 32.8962% | 6,391 |
| Total domestic deposits to total assets | 88.8332% | 1,453 |
| Equity capital to assets | 11.1292% | 2,759 |
| Core capital (leverage) ratio | 11.3470% | 2,121 |
| Tier 1 risk-based capital ratio | 28.1419% | 635 |
| Total risk-based capital ratio | 28.6351% | 665 |
| Memoranda: | ||
| Average total assets | $15,986,000 | 6,601 |
| Average earning assets | $15,169,670 | 6,578 |
| Average equity | $1,776,000 | 6,568 |
| Average total loans | $4,998,000 | 6,580 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0267% | 6,646 |
| Cost of funding earning assets | 0.0790% | 6,607 |
| Net interest margin | 1.9478% | 6,606 |
| Noninterest income to average assets | 0.3001% | 4,958 |
| Noninterest expense to average assets | 2.3257% | 5,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1750% | 6,342 |
| Return on assets (ROA) | -0.1750% | 6,343 |
| Pretax return on assets | -0.1750% | 6,328 |
| Return on Equity (ROE) | -1.5770% | 6,336 |
| Retained earnings to average equity (ytd only) | -1.5770% | 5,809 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1395% | 295 |
| Assets per employee ($millions) | 7.8110% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2147% | 1,136 |
| Loan loss allowance to noncurrent loans | 163.2353% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 4,836 |
| Noncurrent loans to loans | 1.3567% | 2,771 |
| Net loans and leases to total assets | 31.3724% | 6,286 |
| Net loans and leases to deposits | 35.4170% | 6,336 |
| Net loans and leases to core deposits | 35.4170% | 6,375 |
| Total domestic deposits to total assets | 88.5802% | 1,901 |
| Equity capital to assets | 11.3622% | 2,364 |
| Core capital (leverage) ratio | 11.2684% | 2,162 |
| Tier 1 risk-based capital ratio | 25.8144% | 802 |
| Total risk-based capital ratio | 26.1635% | 884 |
| Memoranda: | ||
| Average total assets | $15,995,500 | 6,673 |
| Average earning assets | $15,197,000 | 6,652 |
| Average equity | $1,775,500 | 6,629 |
| Average total loans | $5,108,500 | 6,648 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0212% | 6,712 |
| Cost of funding earning assets | 0.1602% | 6,493 |
| Net interest margin | 1.8610% | 6,675 |
| Noninterest income to average assets | 0.2317% | 5,689 |
| Noninterest expense to average assets | 2.1778% | 5,684 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.1969% | 6,362 |
| Return on assets (ROA) | -0.1969% | 6,371 |
| Pretax return on assets | -0.1969% | 6,349 |
| Return on Equity (ROE) | -1.8910% | 6,373 |
| Retained earnings to average equity (ytd only) | -2.1135% | 6,189 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.9415% | 270 |
| Assets per employee ($millions) | 8.1845% | 433 |
| Cash dividends to net income (ytd only)* | -11.7647% | 6,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1326% | 1,280 |
| Loan loss allowance to noncurrent loans | 106.7308% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 4,326 |
| Noncurrent loans to loans | 1.9981% | 1,995 |
| Net loans and leases to total assets | 31.1198% | 6,424 |
| Net loans and leases to deposits | 34.9191% | 6,462 |
| Net loans and leases to core deposits | 34.9191% | 6,499 |
| Total domestic deposits to total assets | 89.1197% | 1,539 |
| Equity capital to assets | 10.8498% | 2,760 |
| Core capital (leverage) ratio | 10.6445% | 2,735 |
| Tier 1 risk-based capital ratio | 26.6328% | 722 |
| Total risk-based capital ratio | 27.0214% | 774 |
| Memoranda: | ||
| Average total assets | $17,265,400 | 6,736 |
| Average earning assets | $16,227,800 | 6,719 |
| Average equity | $1,798,000 | 6,719 |
| Average total loans | $4,963,600 | 6,738 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0111% | 6,796 |
| Cost of funding earning assets | 0.1791% | 6,509 |
| Net interest margin | 1.8319% | 6,761 |
| Noninterest income to average assets | 0.1906% | 6,047 |
| Noninterest expense to average assets | 2.1651% | 5,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.2592% | 6,498 |
| Return on assets (ROA) | -0.2592% | 6,513 |
| Pretax return on assets | -0.2592% | 6,492 |
| Return on Equity (ROE) | -2.5134% | 6,503 |
| Retained earnings to average equity (ytd only) | -2.5134% | 6,313 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6000% | 221 |
| Assets per employee ($millions) | 8.7435% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3010% | 1,183 |
| Loan loss allowance to noncurrent loans | 148.0000% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 5,140 |
| Noncurrent loans to loans | 1.5547% | 2,833 |
| Net loans and leases to total assets | 26.9514% | 6,629 |
| Net loans and leases to deposits | 30.0248% | 6,668 |
| Net loans and leases to core deposits | 30.0248% | 6,683 |
| Total domestic deposits to total assets | 89.7638% | 1,131 |
| Equity capital to assets | 10.1904% | 3,657 |
| Core capital (leverage) ratio | 10.2227% | 3,370 |
| Tier 1 risk-based capital ratio | 27.1058% | 695 |
| Total risk-based capital ratio | 27.5307% | 755 |
| Memoranda: | ||
| Average total assets | $17,489,500 | 6,810 |
| Average earning assets | $16,376,000 | 6,789 |
| Average equity | $1,803,500 | 6,798 |
| Average total loans | $4,903,250 | 6,816 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0084% | 6,846 |
| Cost of funding earning assets | 0.1837% | 6,556 |
| Net interest margin | 1.8247% | 6,812 |
| Noninterest income to average assets | 0.1143% | 6,479 |
| Noninterest expense to average assets | 2.1383% | 5,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3202% | 6,563 |
| Return on assets (ROA) | -0.3202% | 6,592 |
| Pretax return on assets | -0.3202% | 6,563 |
| Return on Equity (ROE) | -3.0928% | 6,583 |
| Retained earnings to average equity (ytd only) | -3.0928% | 6,320 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6101% | 202 |
| Assets per employee ($millions) | 9.0875% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2783% | 1,292 |
| Loan loss allowance to noncurrent loans | 100.9091% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 4,731 |
| Noncurrent loans to loans | 2.2578% | 2,109 |
| Net loans and leases to total assets | 26.1953% | 6,682 |
| Net loans and leases to deposits | 29.0517% | 6,721 |
| Net loans and leases to core deposits | 29.5036% | 6,726 |
| Total domestic deposits to total assets | 90.1678% | 940 |
| Equity capital to assets | 9.7992% | 4,185 |
| Core capital (leverage) ratio | 10.2999% | 3,098 |
| Tier 1 risk-based capital ratio | 26.4728% | 731 |
| Total risk-based capital ratio | 26.8419% | 795 |
| Memoranda: | ||
| Average total assets | $17,490,330 | 6,860 |
| Average earning assets | $16,331,670 | 6,840 |
| Average equity | $1,810,670 | 6,843 |
| Average total loans | $4,929,670 | 6,862 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0680% | 6,919 |
| Cost of funding earning assets | 0.2018% | 6,564 |
| Net interest margin | 1.8663% | 6,879 |
| Noninterest income to average assets | 0.3266% | 5,091 |
| Noninterest expense to average assets | 2.1927% | 5,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1400% | 6,478 |
| Return on assets (ROA) | -0.1400% | 6,522 |
| Pretax return on assets | -0.1400% | 6,514 |
| Return on Equity (ROE) | -1.3147% | 6,521 |
| Retained earnings to average equity (ytd only) | -1.3147% | 5,997 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8182% | 377 |
| Assets per employee ($millions) | 8.5305% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3584% | 1,319 |
| Loan loss allowance to noncurrent loans | 228.5714% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 4,540 |
| Noncurrent loans to loans | 1.0318% | 4,075 |
| Net loans and leases to total assets | 27.1789% | 6,695 |
| Net loans and leases to deposits | 30.4685% | 6,735 |
| Net loans and leases to core deposits | 30.9794% | 6,745 |
| Total domestic deposits to total assets | 89.2034% | 1,558 |
| Equity capital to assets | 10.7379% | 3,274 |
| Core capital (leverage) ratio | 10.2864% | 3,028 |
| Tier 1 risk-based capital ratio | 27.6440% | 662 |
| Total risk-based capital ratio | 28.0859% | 712 |
| Memoranda: | ||
| Average total assets | $17,148,000 | 6,941 |
| Average earning assets | $15,860,500 | 6,919 |
| Average equity | $1,825,500 | 6,909 |
| Average total loans | $4,958,500 | 6,934 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3145% | 6,969 |
| Cost of funding earning assets | 0.2616% | 6,621 |
| Net interest margin | 2.0528% | 6,916 |
| Noninterest income to average assets | 0.1678% | 6,191 |
| Noninterest expense to average assets | 2.3299% | 5,610 |
| Loan and lease loss provision to assets | -0.2237% | 6,990 |
| Net operating income to assets | -0.0373% | 6,221 |
| Return on assets (ROA) | -0.0373% | 6,333 |
| Pretax return on assets | -0.0373% | 6,316 |
| Return on Equity (ROE) | -0.3293% | 6,338 |
| Retained earnings to average equity (ytd only) | -0.4939% | 5,938 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.6126% | 295 |
| Assets per employee ($millions) | 8.6175% | 383 |
| Cash dividends to net income (ytd only)* | -50.0000% | 7,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1478% | 1,651 |
| Loan loss allowance to noncurrent loans | 163.2353% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 4,396 |
| Noncurrent loans to loans | 1.3158% | 3,637 |
| Net loans and leases to total assets | 29.3415% | 6,718 |
| Net loans and leases to deposits | 32.8611% | 6,764 |
| Net loans and leases to core deposits | 33.4060% | 6,781 |
| Total domestic deposits to total assets | 89.2892% | 1,379 |
| Equity capital to assets | 10.5541% | 3,462 |
| Core capital (leverage) ratio | 11.2820% | 2,026 |
| Tier 1 risk-based capital ratio | 25.7284% | 789 |
| Total risk-based capital ratio | 26.0396% | 864 |
| Memoranda: | ||
| Average total assets | $16,094,800 | 7,008 |
| Average earning assets | $14,906,200 | 6,993 |
| Average equity | $1,822,200 | 6,979 |
| Average total loans | $5,105,200 | 7,001 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3995% | 7,066 |
| Cost of funding earning assets | 0.2817% | 6,691 |
| Net interest margin | 2.1178% | 7,006 |
| Noninterest income to average assets | 0.0928% | 6,642 |
| Noninterest expense to average assets | 2.3613% | 5,512 |
| Loan and lease loss provision to assets | -0.3036% | 7,117 |
| Net operating income to assets | 0.0000% | 6,279 |
| Return on assets (ROA) | 0.0000% | 6,405 |
| Pretax return on assets | 0.0000% | 6,390 |
| Return on Equity (ROE) | 0.0000% | 6,405 |
| Retained earnings to average equity (ytd only) | 0.0000% | 6,070 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.7541% | 238 |
| Assets per employee ($millions) | 8.2160% | 441 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2854% | 1,549 |
| Loan loss allowance to noncurrent loans | 76.5517% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.3389% | 3,623 |
| Noncurrent loans to loans | 2.9854% | 1,873 |
| Net loans and leases to total assets | 28.8827% | 6,849 |
| Net loans and leases to deposits | 32.5202% | 6,899 |
| Net loans and leases to core deposits | 32.5202% | 6,924 |
| Total domestic deposits to total assets | 88.8145% | 1,530 |
| Equity capital to assets | 11.1246% | 3,124 |
| Core capital (leverage) ratio | 11.2409% | 2,181 |
| Tier 1 risk-based capital ratio | 27.4351% | 704 |
| Total risk-based capital ratio | 27.8403% | 756 |
| Memoranda: | ||
| Average total assets | $15,809,750 | 7,105 |
| Average earning assets | $14,669,250 | 7,090 |
| Average equity | $1,823,000 | 7,072 |
| Average total loans | $5,089,500 | 7,094 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4586% | 7,130 |
| Cost of funding earning assets | 0.3056% | 6,717 |
| Net interest margin | 2.1530% | 7,061 |
| Noninterest income to average assets | -0.1025% | 7,094 |
| Noninterest expense to average assets | 2.4227% | 5,377 |
| Loan and lease loss provision to assets | -0.4615% | 7,199 |
| Net operating income to assets | -0.0769% | 6,407 |
| Return on assets (ROA) | -0.0769% | 6,521 |
| Pretax return on assets | -0.0769% | 6,502 |
| Return on Equity (ROE) | -0.6589% | 6,517 |
| Retained earnings to average equity (ytd only) | -0.6589% | 6,157 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.5714% | 173 |
| Assets per employee ($millions) | 8.6075% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3096% | 1,573 |
| Loan loss allowance to noncurrent loans | 76.5517% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.2780% | 3,872 |
| Noncurrent loans to loans | 3.0171% | 1,956 |
| Net loans and leases to total assets | 27.2727% | 6,949 |
| Net loans and leases to deposits | 30.5148% | 6,995 |
| Net loans and leases to core deposits | 31.0188% | 7,007 |
| Total domestic deposits to total assets | 89.3755% | 1,290 |
| Equity capital to assets | 10.5838% | 3,584 |
| Core capital (leverage) ratio | 11.5047% | 1,903 |
| Tier 1 risk-based capital ratio | 27.3656% | 694 |
| Total risk-based capital ratio | 27.7711% | 757 |
| Memoranda: | ||
| Average total assets | $15,602,330 | 7,169 |
| Average earning assets | $14,398,330 | 7,154 |
| Average equity | $1,821,330 | 7,121 |
| Average total loans | $5,167,000 | 7,153 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6274% | 7,150 |
| Cost of funding earning assets | 0.3543% | 6,623 |
| Net interest margin | 2.2731% | 7,072 |
| Noninterest income to average assets | -0.7570% | 7,270 |
| Noninterest expense to average assets | 2.6764% | 4,522 |
| Loan and lease loss provision to assets | -0.9732% | 7,286 |
| Net operating income to assets | -0.3785% | 6,754 |
| Return on assets (ROA) | -0.3785% | 6,794 |
| Pretax return on assets | -0.3785% | 6,769 |
| Return on Equity (ROE) | -3.0752% | 6,759 |
| Retained earnings to average equity (ytd only) | -3.0752% | 6,404 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 202.0408% | 41 |
| Assets per employee ($millions) | 7.8510% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2887% | 1,691 |
| Loan loss allowance to noncurrent loans | 77.0833% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.3947% | 3,779 |
| Noncurrent loans to loans | 2.9691% | 2,174 |
| Net loans and leases to total assets | 30.1809% | 6,903 |
| Net loans and leases to deposits | 34.1574% | 6,948 |
| Net loans and leases to core deposits | 34.1574% | 6,989 |
| Total domestic deposits to total assets | 88.3582% | 2,092 |
| Equity capital to assets | 11.5527% | 2,393 |
| Core capital (leverage) ratio | 11.6791% | 1,786 |
| Tier 1 risk-based capital ratio | 28.3881% | 612 |
| Total risk-based capital ratio | 28.8576% | 657 |
| Memoranda: | ||
| Average total assets | $14,796,000 | 7,248 |
| Average earning assets | $13,549,500 | 7,233 |
| Average equity | $1,821,000 | 7,178 |
| Average total loans | $5,347,500 | 7,208 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3583% | 7,074 |
| Cost of funding earning assets | 0.4700% | 6,656 |
| Net interest margin | 2.8883% | 6,709 |
| Noninterest income to average assets | 0.5234% | 3,692 |
| Noninterest expense to average assets | 2.7032% | 4,731 |
| Loan and lease loss provision to assets | 0.1721% | 4,478 |
| Net operating income to assets | 0.0717% | 5,924 |
| Return on assets (ROA) | 0.0717% | 6,036 |
| Pretax return on assets | 0.0717% | 6,011 |
| Return on Equity (ROE) | 0.5484% | 6,048 |
| Retained earnings to average equity (ytd only) | 0.2194% | 5,729 |
| Net charge-offs to loans | 0.0726% | 5,591 |
| Credit loss provision to net charge-offs | 600.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,134 |
| Efficiency ratio | 91.7275% | 1,063 |
| Assets per employee ($millions) | 6.9450% | 757 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5150% | 1,296 |
| Loan loss allowance to noncurrent loans | 80.7692% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 2.1382% | 2,804 |
| Noncurrent loans to loans | 3.1138% | 2,077 |
| Net loans and leases to total assets | 41.0223% | 6,461 |
| Net loans and leases to deposits | 47.2785% | 6,547 |
| Net loans and leases to core deposits | 47.2785% | 6,679 |
| Total domestic deposits to total assets | 86.7675% | 2,887 |
| Equity capital to assets | 13.1605% | 1,414 |
| Core capital (leverage) ratio | 12.5913% | 1,312 |
| Tier 1 risk-based capital ratio | 29.1083% | 560 |
| Total risk-based capital ratio | 30.1911% | 558 |
| Memoranda: | ||
| Average total assets | $13,946,600 | 7,302 |
| Average earning assets | $11,702,400 | 7,297 |
| Average equity | $1,823,400 | 7,237 |
| Average total loans | $5,512,000 | 7,254 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3872% | 7,141 |
| Cost of funding earning assets | 0.4988% | 6,697 |
| Net interest margin | 2.8884% | 6,767 |
| Noninterest income to average assets | 0.5539% | 3,485 |
| Noninterest expense to average assets | 2.6837% | 4,791 |
| Loan and lease loss provision to assets | 0.1719% | 4,319 |
| Net operating income to assets | 0.0764% | 6,017 |
| Return on assets (ROA) | 0.0764% | 6,134 |
| Pretax return on assets | 0.0764% | 6,132 |
| Return on Equity (ROE) | 0.5855% | 6,156 |
| Retained earnings to average equity (ytd only) | 0.5855% | 5,783 |
| Net charge-offs to loans | 0.0982% | 5,004 |
| Credit loss provision to net charge-offs | 450.0000% | 613 |
| Earnings coverage of net charge-offs (x) | 6.5047% | 2,541 |
| Efficiency ratio | 91.5309% | 1,066 |
| Assets per employee ($millions) | 7.1660% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5972% | 1,270 |
| Loan loss allowance to noncurrent loans | 213.6364% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 1.2629% | 4,275 |
| Noncurrent loans to loans | 1.2157% | 4,517 |
| Net loans and leases to total assets | 36.8965% | 6,827 |
| Net loans and leases to deposits | 42.3480% | 6,897 |
| Net loans and leases to core deposits | 42.3480% | 6,975 |
| Total domestic deposits to total assets | 87.1267% | 2,570 |
| Equity capital to assets | 12.7756% | 1,740 |
| Core capital (leverage) ratio | 12.7427% | 1,329 |
| Tier 1 risk-based capital ratio | 29.9330% | 540 |
| Total risk-based capital ratio | 30.9792% | 543 |
| Memoranda: | ||
| Average total assets | $13,960,750 | 7,377 |
| Average earning assets | $11,493,750 | 7,374 |
| Average equity | $1,822,250 | 7,311 |
| Average total loans | $5,428,750 | 7,330 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5807% | 7,111 |
| Cost of funding earning assets | 0.5325% | 6,733 |
| Net interest margin | 3.0482% | 6,509 |
| Noninterest income to average assets | 0.5059% | 3,814 |
| Noninterest expense to average assets | 2.8330% | 4,302 |
| Loan and lease loss provision to assets | 0.1734% | 4,195 |
| Net operating income to assets | -0.1012% | 6,352 |
| Return on assets (ROA) | -0.1012% | 6,405 |
| Pretax return on assets | -0.1012% | 6,364 |
| Return on Equity (ROE) | -0.7695% | 6,378 |
| Retained earnings to average equity (ytd only) | -0.7695% | 6,009 |
| Net charge-offs to loans | 0.1474% | 4,307 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 1.2500% | 4,353 |
| Efficiency ratio | 97.5124% | 811 |
| Assets per employee ($millions) | 4.7233% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5505% | 1,372 |
| Loan loss allowance to noncurrent loans | 182.4324% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 1.3338% | 4,230 |
| Noncurrent loans to loans | 1.3981% | 4,316 |
| Net loans and leases to total assets | 36.4008% | 6,943 |
| Net loans and leases to deposits | 41.7889% | 6,998 |
| Net loans and leases to core deposits | 41.7889% | 7,075 |
| Total domestic deposits to total assets | 87.1066% | 2,684 |
| Equity capital to assets | 12.8229% | 1,612 |
| Core capital (leverage) ratio | 12.8129% | 1,241 |
| Tier 1 risk-based capital ratio | 30.0083% | 533 |
| Total risk-based capital ratio | 30.9661% | 533 |
| Memoranda: | ||
| Average total assets | $13,837,000 | 7,451 |
| Average earning assets | $10,891,670 | 7,457 |
| Average equity | $1,819,330 | 7,380 |
| Average total loans | $5,428,670 | 7,405 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 6,828 |
| Cost of funding earning assets | 0.6359% | 6,445 |
| Net interest margin | 3.2590% | 5,905 |
| Noninterest income to average assets | 0.4682% | 4,129 |
| Noninterest expense to average assets | 2.8675% | 4,205 |
| Loan and lease loss provision to assets | 0.1756% | 3,866 |
| Net operating income to assets | -0.1756% | 6,534 |
| Return on assets (ROA) | -0.1756% | 6,552 |
| Pretax return on assets | -0.1756% | 6,517 |
| Return on Equity (ROE) | -1.3183% | 6,528 |
| Retained earnings to average equity (ytd only) | -1.3183% | 6,049 |
| Net charge-offs to loans | 0.2911% | 2,888 |
| Credit loss provision to net charge-offs | 150.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 4,575 |
| Efficiency ratio | 100.0000% | 743 |
| Assets per employee ($millions) | 4.6143% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4257% | 1,571 |
| Loan loss allowance to noncurrent loans | 307.1429% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1341% | 4,666 |
| Noncurrent loans to loans | 0.7898% | 5,455 |
| Net loans and leases to total assets | 37.4846% | 6,932 |
| Net loans and leases to deposits | 43.2165% | 6,979 |
| Net loans and leases to core deposits | 43.2165% | 7,066 |
| Total domestic deposits to total assets | 86.7370% | 3,098 |
| Equity capital to assets | 13.1330% | 1,322 |
| Core capital (leverage) ratio | 12.8827% | 1,164 |
| Tier 1 risk-based capital ratio | 31.0186% | 475 |
| Total risk-based capital ratio | 31.9911% | 477 |
| Memoranda: | ||
| Average total assets | $13,670,500 | 7,512 |
| Average earning assets | $10,064,500 | 7,523 |
| Average equity | $1,820,500 | 7,429 |
| Average total loans | $5,496,500 | 7,462 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 7,346 |
| Cost of funding earning assets | 0.6326% | 7,054 |
| Net interest margin | 2.9725% | 6,791 |
| Noninterest income to average assets | 0.5191% | 4,029 |
| Noninterest expense to average assets | 3.0614% | 3,622 |
| Loan and lease loss provision to assets | 0.1832% | 5,394 |
| Net operating income to assets | -0.1069% | 6,002 |
| Return on assets (ROA) | -0.1069% | 6,059 |
| Pretax return on assets | -0.1069% | 6,005 |
| Return on Equity (ROE) | -0.7598% | 6,044 |
| Retained earnings to average equity (ytd only) | -0.9226% | 5,793 |
| Net charge-offs to loans | 0.2593% | 4,738 |
| Credit loss provision to net charge-offs | 171.4286% | 1,969 |
| Earnings coverage of net charge-offs (x) | 0.7143% | 5,397 |
| Efficiency ratio | 97.5669% | 889 |
| Assets per employee ($millions) | 2.6996% | 6,685 |
| Cash dividends to net income (ytd only)* | -21.4286% | 7,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2379% | 1,798 |
| Loan loss allowance to noncurrent loans | 52.2634% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 2.6522% | 2,623 |
| Noncurrent loans to loans | 4.2819% | 1,685 |
| Net loans and leases to total assets | 41.1024% | 6,896 |
| Net loans and leases to deposits | 47.5652% | 6,970 |
| Net loans and leases to core deposits | 47.5652% | 7,094 |
| Total domestic deposits to total assets | 86.4128% | 3,129 |
| Equity capital to assets | 13.5057% | 1,178 |
| Core capital (leverage) ratio | 13.8337% | 880 |
| Tier 1 risk-based capital ratio | 29.8315% | 515 |
| Total risk-based capital ratio | 30.6660% | 518 |
| Memoranda: | ||
| Average total assets | $13,098,600 | 7,597 |
| Average earning assets | $11,539,200 | 7,588 |
| Average equity | $1,842,600 | 7,529 |
| Average total loans | $5,399,800 | 7,547 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5040% | 7,531 |
| Cost of funding earning assets | 0.6562% | 7,165 |
| Net interest margin | 2.8477% | 7,081 |
| Noninterest income to average assets | 0.5334% | 3,922 |
| Noninterest expense to average assets | 3.1592% | 3,070 |
| Loan and lease loss provision to assets | 0.1846% | 5,197 |
| Net operating income to assets | -0.3180% | 6,445 |
| Return on assets (ROA) | -0.3180% | 6,492 |
| Pretax return on assets | -0.3180% | 6,419 |
| Return on Equity (ROE) | -2.2371% | 6,425 |
| Retained earnings to average equity (ytd only) | -2.2371% | 6,246 |
| Net charge-offs to loans | 0.3502% | 3,905 |
| Credit loss provision to net charge-offs | 128.5714% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.9282% | 6,435 |
| Efficiency ratio | 104.4068% | 628 |
| Assets per employee ($millions) | 4.5320% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1712% | 1,853 |
| Loan loss allowance to noncurrent loans | 59.3137% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 2.3463% | 3,026 |
| Noncurrent loans to loans | 3.6605% | 2,134 |
| Net loans and leases to total assets | 40.1000% | 7,067 |
| Net loans and leases to deposits | 46.4356% | 7,156 |
| Net loans and leases to core deposits | 46.4356% | 7,255 |
| Total domestic deposits to total assets | 86.3563% | 2,885 |
| Equity capital to assets | 13.4966% | 1,351 |
| Core capital (leverage) ratio | 12.2244% | 1,554 |
| Tier 1 risk-based capital ratio | 29.8180% | 525 |
| Total risk-based capital ratio | 30.5330% | 541 |
| Memoranda: | ||
| Average total assets | $12,998,750 | 7,700 |
| Average earning assets | $11,377,250 | 7,692 |
| Average equity | $1,847,500 | 7,629 |
| Average total loans | $5,331,000 | 7,646 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 7,582 |
| Cost of funding earning assets | 0.7075% | 7,183 |
| Net interest margin | 2.8661% | 7,060 |
| Noninterest income to average assets | 0.5625% | 3,609 |
| Noninterest expense to average assets | 3.1720% | 3,005 |
| Loan and lease loss provision to assets | 0.1875% | 4,996 |
| Net operating income to assets | -0.3281% | 6,506 |
| Return on assets (ROA) | -0.3281% | 6,546 |
| Pretax return on assets | -0.3281% | 6,458 |
| Return on Equity (ROE) | -2.2682% | 6,444 |
| Retained earnings to average equity (ytd only) | -2.2682% | 6,189 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6392% | 665 |
| Assets per employee ($millions) | 4.4163% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5299% | 1,265 |
| Loan loss allowance to noncurrent loans | 45.5830% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 2.1360% | 3,334 |
| Noncurrent loans to loans | 5.5501% | 1,186 |
| Net loans and leases to total assets | 37.5123% | 7,291 |
| Net loans and leases to deposits | 43.6271% | 7,333 |
| Net loans and leases to core deposits | 43.6271% | 7,413 |
| Total domestic deposits to total assets | 85.9838% | 3,102 |
| Equity capital to assets | 13.9256% | 1,194 |
| Core capital (leverage) ratio | 14.7047% | 783 |
| Tier 1 risk-based capital ratio | 32.1933% | 421 |
| Total risk-based capital ratio | 33.1705% | 419 |
| Memoranda: | ||
| Average total assets | $12,799,670 | 7,770 |
| Average earning assets | $11,025,330 | 7,762 |
| Average equity | $1,851,670 | 7,691 |
| Average total loans | $5,250,330 | 7,714 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3900% | 7,736 |
| Cost of funding earning assets | 0.6852% | 7,361 |
| Net interest margin | 2.7048% | 7,295 |
| Noninterest income to average assets | 0.4135% | 4,780 |
| Noninterest expense to average assets | 3.3082% | 2,508 |
| Loan and lease loss provision to assets | 0.1909% | 4,590 |
| Net operating income to assets | -0.6998% | 6,957 |
| Return on assets (ROA) | -0.6998% | 6,982 |
| Pretax return on assets | -0.6998% | 6,898 |
| Return on Equity (ROE) | -4.7439% | 6,870 |
| Retained earnings to average equity (ytd only) | -4.7439% | 6,569 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.1818% | 465 |
| Assets per employee ($millions) | 4.1663% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3823% | 1,441 |
| Loan loss allowance to noncurrent loans | 44.0860% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 2.2322% | 3,238 |
| Noncurrent loans to loans | 5.4038% | 1,305 |
| Net loans and leases to total assets | 40.3232% | 7,231 |
| Net loans and leases to deposits | 47.3907% | 7,260 |
| Net loans and leases to core deposits | 47.3907% | 7,383 |
| Total domestic deposits to total assets | 85.0868% | 3,627 |
| Equity capital to assets | 14.7532% | 940 |
| Core capital (leverage) ratio | 14.6280% | 821 |
| Tier 1 risk-based capital ratio | 32.8523% | 410 |
| Total risk-based capital ratio | 33.7787% | 415 |
| Memoranda: | ||
| Average total assets | $12,575,000 | 7,873 |
| Average earning assets | $11,091,500 | 7,864 |
| Average equity | $1,855,000 | 7,775 |
| Average total loans | $5,326,000 | 7,816 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2556% | 7,578 |
| Cost of funding earning assets | 0.8361% | 7,504 |
| Net interest margin | 3.4195% | 5,296 |
| Noninterest income to average assets | 0.6523% | 3,269 |
| Noninterest expense to average assets | 3.2697% | 3,124 |
| Loan and lease loss provision to assets | 0.0483% | 7,079 |
| Net operating income to assets | 0.2497% | 4,720 |
| Return on assets (ROA) | 0.2497% | 4,802 |
| Pretax return on assets | 0.2658% | 4,856 |
| Return on Equity (ROE) | 1.6712% | 5,030 |
| Retained earnings to average equity (ytd only) | 1.4016% | 4,083 |
| Net charge-offs to loans | -0.0195% | 7,787 |
| Credit loss provision to net charge-offs | -600.0000% | 7,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2360% | 1,621 |
| Assets per employee ($millions) | 2.5302% | 7,149 |
| Cash dividends to net income (ytd only)* | 16.1290% | 3,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1315% | 1,771 |
| Loan loss allowance to noncurrent loans | 46.2451% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 1.9998% | 3,403 |
| Noncurrent loans to loans | 4.6092% | 1,530 |
| Net loans and leases to total assets | 42.4630% | 7,226 |
| Net loans and leases to deposits | 49.8747% | 7,266 |
| Net loans and leases to core deposits | 51.8883% | 7,526 |
| Total domestic deposits to total assets | 85.1395% | 3,490 |
| Equity capital to assets | 14.7498% | 961 |
| Core capital (leverage) ratio | 14.2978% | 929 |
| Tier 1 risk-based capital ratio | 32.7196% | 423 |
| Total risk-based capital ratio | 33.5437% | 427 |
| Memoranda: | ||
| Average total assets | $12,417,000 | 7,943 |
| Average earning assets | $10,644,800 | 7,934 |
| Average equity | $1,855,000 | 7,867 |
| Average total loans | $5,134,800 | 7,886 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 7,695 |
| Cost of funding earning assets | 0.8548% | 7,618 |
| Net interest margin | 3.3943% | 5,295 |
| Noninterest income to average assets | 0.6905% | 3,085 |
| Noninterest expense to average assets | 3.2150% | 3,255 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3453% | 4,620 |
| Return on assets (ROA) | 0.3453% | 4,716 |
| Pretax return on assets | 0.3884% | 4,824 |
| Return on Equity (ROE) | 2.3037% | 5,060 |
| Retained earnings to average equity (ytd only) | 2.3037% | 4,035 |
| Net charge-offs to loans | -0.0529% | 7,860 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2216% | 1,763 |
| Assets per employee ($millions) | 2.5134% | 7,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1216% | 1,561 |
| Loan loss allowance to noncurrent loans | 82.2222% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.0742% | 4,928 |
| Noncurrent loans to loans | 2.5803% | 2,927 |
| Net loans and leases to total assets | 40.7496% | 7,422 |
| Net loans and leases to deposits | 47.9944% | 7,493 |
| Net loans and leases to core deposits | 49.9512% | 7,688 |
| Total domestic deposits to total assets | 84.9049% | 3,284 |
| Equity capital to assets | 14.8962% | 1,035 |
| Core capital (leverage) ratio | 14.7961% | 897 |
| Tier 1 risk-based capital ratio | 33.6691% | 411 |
| Total risk-based capital ratio | 34.4065% | 424 |
| Memoranda: | ||
| Average total assets | $12,358,500 | 8,024 |
| Average earning assets | $10,605,750 | 8,014 |
| Average equity | $1,852,250 | 7,947 |
| Average total loans | $5,046,250 | 7,966 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1954% | 7,828 |
| Cost of funding earning assets | 0.8772% | 7,721 |
| Net interest margin | 3.3182% | 5,481 |
| Noninterest income to average assets | 0.7649% | 2,620 |
| Noninterest expense to average assets | 3.2387% | 3,198 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3255% | 4,779 |
| Return on assets (ROA) | 0.3255% | 4,901 |
| Pretax return on assets | 0.3580% | 5,050 |
| Return on Equity (ROE) | 2.1672% | 5,234 |
| Retained earnings to average equity (ytd only) | 2.1672% | 4,143 |
| Net charge-offs to loans | -0.0803% | 7,915 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0452% | 1,805 |
| Assets per employee ($millions) | 1.9307% | 7,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1520% | 1,312 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 1.6426% | 3,742 |
| Noncurrent loans to loans | 4.3040% | 1,522 |
| Net loans and leases to total assets | 37.3437% | 7,662 |
| Net loans and leases to deposits | 43.3777% | 7,722 |
| Net loans and leases to core deposits | 44.9782% | 7,858 |
| Total domestic deposits to total assets | 86.0895% | 2,738 |
| Equity capital to assets | 13.7625% | 1,400 |
| Core capital (leverage) ratio | 15.2948% | 859 |
| Tier 1 risk-based capital ratio | 32.6030% | 483 |
| Total risk-based capital ratio | 33.3567% | 485 |
| Memoranda: | ||
| Average total assets | $12,289,000 | 8,114 |
| Average earning assets | $10,487,670 | 8,104 |
| Average equity | $1,845,670 | 8,031 |
| Average total loans | $4,984,330 | 8,057 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 7,848 |
| Cost of funding earning assets | 0.9744% | 7,712 |
| Net interest margin | 3.3293% | 5,402 |
| Noninterest income to average assets | 0.5824% | 3,668 |
| Noninterest expense to average assets | 3.4943% | 2,116 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1028% | 6,411 |
| Return on assets (ROA) | -0.1028% | 6,530 |
| Pretax return on assets | -0.1028% | 6,480 |
| Return on Equity (ROE) | -0.6527% | 6,487 |
| Retained earnings to average equity (ytd only) | -0.6527% | 5,798 |
| Net charge-offs to loans | -0.0817% | 7,831 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0303% | 1,015 |
| Assets per employee ($millions) | 2.9393% | 6,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1457% | 1,153 |
| Loan loss allowance to noncurrent loans | 57.3684% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 1.6161% | 3,497 |
| Noncurrent loans to loans | 3.7402% | 1,660 |
| Net loans and leases to total assets | 42.2812% | 7,451 |
| Net loans and leases to deposits | 50.2426% | 7,483 |
| Net loans and leases to core deposits | 52.4367% | 7,719 |
| Total domestic deposits to total assets | 84.1541% | 3,634 |
| Equity capital to assets | 15.6247% | 942 |
| Core capital (leverage) ratio | 15.6447% | 836 |
| Tier 1 risk-based capital ratio | 34.8643% | 439 |
| Total risk-based capital ratio | 35.6614% | 445 |
| Memoranda: | ||
| Average total assets | $11,676,000 | 8,167 |
| Average earning assets | $9,852,000 | 8,165 |
| Average equity | $1,838,500 | 8,081 |
| Average total loans | $4,897,500 | 8,111 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8546% | 7,925 |
| Cost of funding earning assets | 1.1988% | 7,945 |
| Net interest margin | 3.6558% | 4,654 |
| Noninterest income to average assets | 0.6125% | 3,761 |
| Noninterest expense to average assets | 3.6139% | 2,108 |
| Loan and lease loss provision to assets | 0.1050% | 6,032 |
| Net operating income to assets | 0.1225% | 6,049 |
| Return on assets (ROA) | 0.1225% | 5,894 |
| Pretax return on assets | 0.1225% | 5,902 |
| Return on Equity (ROE) | 0.7594% | 5,987 |
| Retained earnings to average equity (ytd only) | 0.5424% | 4,910 |
| Net charge-offs to loans | 0.0627% | 5,876 |
| Credit loss provision to net charge-offs | 400.0000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,840 |
| Efficiency ratio | 94.0774% | 1,271 |
| Assets per employee ($millions) | 2.8988% | 6,314 |
| Cash dividends to net income (ytd only)* | 28.5714% | 4,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3118% | 843 |
| Loan loss allowance to noncurrent loans | 63.0058% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.4920% | 3,239 |
| Noncurrent loans to loans | 3.6691% | 1,372 |
| Net loans and leases to total assets | 39.7240% | 7,685 |
| Net loans and leases to deposits | 47.3138% | 7,741 |
| Net loans and leases to core deposits | 48.3722% | 7,918 |
| Total domestic deposits to total assets | 83.9586% | 3,341 |
| Equity capital to assets | 15.8689% | 967 |
| Core capital (leverage) ratio | 15.6144% | 899 |
| Tier 1 risk-based capital ratio | 36.8590% | 397 |
| Total risk-based capital ratio | 37.8405% | 397 |
| Memoranda: | ||
| Average total assets | $11,428,000 | 8,225 |
| Average earning assets | $10,093,600 | 8,214 |
| Average equity | $1,843,600 | 8,148 |
| Average total loans | $4,784,400 | 8,168 |