Home > Manor Bank > Performance and Condition Ratios
Manor Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7611% | 3,898 |
| Cost of funding earning assets | 0.1703% | 5,239 |
| Net interest margin | 3.5908% | 2,921 |
| Noninterest income to average assets | 0.2096% | 5,009 |
| Noninterest expense to average assets | 6.3757% | 146 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -2.5898% | 5,833 |
| Return on assets (ROA) | -2.5898% | 5,833 |
| Pretax return on assets | -3.0460% | 5,831 |
| Return on Equity (ROE) | -35.5706% | 5,838 |
| Retained earnings to average equity (ytd only) | -35.5706% | 5,804 |
| 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 | 191.4815% | 20 |
| Assets per employee ($millions) | 2.9691% | 5,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6393% | 5,415 |
| Loan loss allowance to noncurrent loans | 138.2979% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 4,059 |
| Noncurrent loans to loans | 0.4623% | 3,441 |
| Net loans and leases to total assets | 61.8647% | 3,556 |
| Net loans and leases to deposits | 70.7285% | 3,721 |
| Net loans and leases to core deposits | 71.3605% | 4,044 |
| Total domestic deposits to total assets | 87.4679% | 2,002 |
| Equity capital to assets | 6.9228% | 5,762 |
| Core capital (leverage) ratio | 6.7780% | 5,777 |
| Tier 1 risk-based capital ratio | 13.0250% | 4,064 |
| Total risk-based capital ratio | 13.8018% | 4,261 |
| Memoranda: | ||
| Average total assets | $32,435,500 | 5,630 |
| Average earning assets | $28,183,000 | 5,636 |
| Average equity | $2,361,500 | 5,755 |
| Average total loans | $20,256,000 | 5,455 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5148% | 4,746 |
| Cost of funding earning assets | 0.1070% | 5,672 |
| Net interest margin | 3.4077% | 3,801 |
| Noninterest income to average assets | 0.2128% | 5,144 |
| Noninterest expense to average assets | 4.6510% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -1.2671% | 5,849 |
| Return on assets (ROA) | -1.2121% | 5,846 |
| Pretax return on assets | -1.4280% | 5,852 |
| Return on Equity (ROE) | -14.2764% | 5,858 |
| Retained earnings to average equity (ytd only) | -14.2764% | 5,822 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.2656% | 35 |
| Assets per employee ($millions) | 2.9283% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6443% | 5,458 |
| Loan loss allowance to noncurrent loans | 136.8421% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.2949% | 4,094 |
| Noncurrent loans to loans | 0.4708% | 3,463 |
| Net loans and leases to total assets | 62.2365% | 3,582 |
| Net loans and leases to deposits | 70.3947% | 3,865 |
| Net loans and leases to core deposits | 71.0232% | 4,145 |
| Total domestic deposits to total assets | 88.4108% | 1,431 |
| Equity capital to assets | 7.6434% | 5,682 |
| Core capital (leverage) ratio | 7.7990% | 5,686 |
| Tier 1 risk-based capital ratio | 14.5392% | 3,179 |
| Total risk-based capital ratio | 15.3212% | 3,342 |
| Memoranda: | ||
| Average total assets | $32,423,200 | 5,686 |
| Average earning assets | $28,024,400 | 5,688 |
| Average equity | $2,752,800 | 5,777 |
| Average total loans | $18,425,600 | 5,561 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4316% | 4,951 |
| Cost of funding earning assets | 0.0994% | 5,774 |
| Net interest margin | 3.3322% | 4,087 |
| Noninterest income to average assets | 0.1807% | 5,376 |
| Noninterest expense to average assets | 4.7705% | 309 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -1.4445% | 5,927 |
| Return on assets (ROA) | -1.3712% | 5,927 |
| Pretax return on assets | -1.6134% | 5,932 |
| Return on Equity (ROE) | -15.7608% | 5,927 |
| Retained earnings to average equity (ytd only) | -15.7608% | 5,893 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.3476% | 33 |
| Assets per employee ($millions) | 3.6713% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6839% | 5,457 |
| Loan loss allowance to noncurrent loans | 92.1986% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 4,009 |
| Noncurrent loans to loans | 0.7417% | 2,813 |
| Net loans and leases to total assets | 46.7512% | 5,043 |
| Net loans and leases to deposits | 50.1834% | 5,291 |
| Net loans and leases to core deposits | 50.5218% | 5,364 |
| Total domestic deposits to total assets | 93.1607% | 30 |
| Equity capital to assets | 6.6536% | 5,911 |
| Core capital (leverage) ratio | 8.1155% | 5,632 |
| Tier 1 risk-based capital ratio | 14.4248% | 3,318 |
| Total risk-based capital ratio | 15.1696% | 3,524 |
| Memoranda: | ||
| Average total assets | $32,476,250 | 5,744 |
| Average earning assets | $28,168,750 | 5,748 |
| Average equity | $2,825,500 | 5,836 |
| Average total loans | $17,987,750 | 5,632 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6910% | 4,326 |
| Cost of funding earning assets | 0.0996% | 5,855 |
| Net interest margin | 3.5915% | 3,129 |
| Noninterest income to average assets | 0.1810% | 5,409 |
| Noninterest expense to average assets | 5.6970% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -2.0164% | 6,015 |
| Return on assets (ROA) | -1.8968% | 6,011 |
| Pretax return on assets | -2.2319% | 6,018 |
| Return on Equity (ROE) | -19.7098% | 6,013 |
| Retained earnings to average equity (ytd only) | -19.7098% | 5,969 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.3710% | 31 |
| Assets per employee ($millions) | 2.1241% | 5,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 5,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 60.2159% | 3,856 |
| Net loans and leases to deposits | 66.4182% | 4,317 |
| Net loans and leases to core deposits | 67.0448% | 4,541 |
| Total domestic deposits to total assets | 90.6618% | 269 |
| Equity capital to assets | 9.1802% | 5,087 |
| Core capital (leverage) ratio | 8.4206% | 5,433 |
| Tier 1 risk-based capital ratio | 17.3454% | 2,118 |
| Total risk-based capital ratio | 18.2249% | 2,191 |
| Memoranda: | ||
| Average total assets | $29,840,330 | 5,849 |
| Average earning assets | $26,117,330 | 5,857 |
| Average equity | $2,871,670 | 5,903 |
| Average total loans | $17,647,000 | 5,710 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6727% | 4,412 |
| Cost of funding earning assets | 0.0918% | 5,944 |
| Net interest margin | 3.5809% | 3,166 |
| Noninterest income to average assets | 0.2409% | 5,016 |
| Noninterest expense to average assets | 4.6033% | 361 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.0438% | 6,032 |
| Return on assets (ROA) | -1.0438% | 6,034 |
| Pretax return on assets | -1.2311% | 6,036 |
| Return on Equity (ROE) | -10.6032% | 6,029 |
| Retained earnings to average equity (ytd only) | -10.6032% | 5,825 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.5079% | 60 |
| Assets per employee ($millions) | 1.9601% | 6,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7410% | 5,514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 5,170 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 59.2273% | 3,885 |
| Net loans and leases to deposits | 65.9122% | 4,269 |
| Net loans and leases to core deposits | 66.5469% | 4,502 |
| Total domestic deposits to total assets | 89.8578% | 651 |
| Equity capital to assets | 10.0129% | 4,065 |
| Core capital (leverage) ratio | 9.3817% | 4,378 |
| Tier 1 risk-based capital ratio | 18.6314% | 1,818 |
| Total risk-based capital ratio | 19.5061% | 1,880 |
| Memoranda: | ||
| Average total assets | $29,891,500 | 5,907 |
| Average earning assets | $26,139,000 | 5,915 |
| Average equity | $2,942,500 | 5,952 |
| Average total loans | $17,452,000 | 5,772 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6141% | 4,632 |
| Cost of funding earning assets | 0.0989% | 5,967 |
| Net interest margin | 3.5152% | 3,465 |
| Noninterest income to average assets | 0.2471% | 5,117 |
| Noninterest expense to average assets | 3.7640% | 902 |
| Loan and lease loss provision to assets | 0.2271% | 888 |
| Net operating income to assets | -0.5531% | 6,055 |
| Return on assets (ROA) | -0.3707% | 6,020 |
| Pretax return on assets | -0.4409% | 6,027 |
| Return on Equity (ROE) | -3.5783% | 6,022 |
| Retained earnings to average equity (ytd only) | -3.5783% | 5,851 |
| Net charge-offs to loans | 0.2611% | 1,155 |
| Credit loss provision to net charge-offs | 158.1395% | 1,692 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 4,376 |
| Efficiency ratio | 112.9259% | 116 |
| Assets per employee ($millions) | 2.0254% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7488% | 5,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 5,217 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 56.7131% | 4,232 |
| Net loans and leases to deposits | 62.9383% | 4,547 |
| Net loans and leases to core deposits | 63.5207% | 4,768 |
| Total domestic deposits to total assets | 90.1089% | 585 |
| Equity capital to assets | 9.6804% | 4,325 |
| Core capital (leverage) ratio | 9.1123% | 4,736 |
| Tier 1 risk-based capital ratio | 19.4217% | 1,606 |
| Total risk-based capital ratio | 20.3020% | 1,651 |
| Memoranda: | ||
| Average total assets | $29,941,400 | 5,958 |
| Average earning assets | $26,286,200 | 5,963 |
| Average equity | $3,102,000 | 5,990 |
| Average total loans | $16,468,200 | 5,849 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6168% | 4,678 |
| Cost of funding earning assets | 0.0964% | 6,073 |
| Net interest margin | 3.5204% | 3,466 |
| Noninterest income to average assets | 0.2414% | 5,199 |
| Noninterest expense to average assets | 3.5353% | 1,220 |
| Loan and lease loss provision to assets | 0.0670% | 2,838 |
| Net operating income to assets | -0.2190% | 6,053 |
| Return on assets (ROA) | -0.2190% | 6,071 |
| Pretax return on assets | -0.2592% | 6,074 |
| Return on Equity (ROE) | -2.0791% | 6,069 |
| Retained earnings to average equity (ytd only) | -2.0791% | 5,862 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7487% | 195 |
| Assets per employee ($millions) | 2.1065% | 6,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7024% | 5,723 |
| Loan loss allowance to noncurrent loans | 279.0698% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 5,208 |
| Noncurrent loans to loans | 0.2517% | 4,671 |
| Net loans and leases to total assets | 53.6869% | 4,592 |
| Net loans and leases to deposits | 59.6967% | 4,875 |
| Net loans and leases to core deposits | 59.6967% | 5,090 |
| Total domestic deposits to total assets | 89.9329% | 598 |
| Equity capital to assets | 9.8551% | 4,338 |
| Core capital (leverage) ratio | 9.3685% | 4,485 |
| Tier 1 risk-based capital ratio | 20.0341% | 1,542 |
| Total risk-based capital ratio | 20.8530% | 1,615 |
| Memoranda: | ||
| Average total assets | $29,831,500 | 6,040 |
| Average earning assets | $26,284,250 | 6,046 |
| Average equity | $3,142,250 | 6,062 |
| Average total loans | $16,245,250 | 5,928 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6622% | 4,536 |
| Cost of funding earning assets | 0.1007% | 6,131 |
| Net interest margin | 3.5615% | 3,241 |
| Noninterest income to average assets | 0.2394% | 5,244 |
| Noninterest expense to average assets | 3.4607% | 1,364 |
| Loan and lease loss provision to assets | 0.0342% | 3,430 |
| Net operating income to assets | -0.0889% | 6,046 |
| Return on assets (ROA) | -0.0889% | 6,072 |
| Pretax return on assets | -0.1094% | 6,072 |
| Return on Equity (ROE) | -0.8250% | 6,076 |
| Retained earnings to average equity (ytd only) | -0.8250% | 5,666 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2222% | 280 |
| Assets per employee ($millions) | 2.5000% | 6,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6733% | 5,866 |
| Loan loss allowance to noncurrent loans | 255.8140% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 5,286 |
| Noncurrent loans to loans | 0.2632% | 4,730 |
| Net loans and leases to total assets | 54.0933% | 4,543 |
| Net loans and leases to deposits | 60.4958% | 4,811 |
| Net loans and leases to core deposits | 60.4958% | 5,043 |
| Total domestic deposits to total assets | 89.4167% | 944 |
| Equity capital to assets | 10.4233% | 3,529 |
| Core capital (leverage) ratio | 10.0071% | 3,591 |
| Tier 1 risk-based capital ratio | 22.0838% | 1,196 |
| Total risk-based capital ratio | 22.8995% | 1,241 |
| Memoranda: | ||
| Average total assets | $29,242,670 | 6,119 |
| Average earning assets | $25,831,670 | 6,115 |
| Average equity | $3,151,670 | 6,119 |
| Average total loans | $15,965,670 | 6,004 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6689% | 4,473 |
| Cost of funding earning assets | 0.0941% | 6,229 |
| Net interest margin | 3.5749% | 3,102 |
| Noninterest income to average assets | 0.2356% | 5,277 |
| Noninterest expense to average assets | 3.3259% | 1,655 |
| Loan and lease loss provision to assets | 0.0693% | 2,558 |
| Net operating income to assets | 0.0000% | 6,015 |
| Return on assets (ROA) | 0.0000% | 6,054 |
| Pretax return on assets | 0.0000% | 6,047 |
| Return on Equity (ROE) | 0.0000% | 6,055 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,366 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9592% | 431 |
| Assets per employee ($millions) | 2.8985% | 5,782 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6966% | 5,912 |
| Loan loss allowance to noncurrent loans | 255.8140% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 5,360 |
| Noncurrent loans to loans | 0.2723% | 4,803 |
| Net loans and leases to total assets | 54.1004% | 4,432 |
| Net loans and leases to deposits | 60.8947% | 4,674 |
| Net loans and leases to core deposits | 60.8947% | 4,927 |
| Total domestic deposits to total assets | 88.8425% | 1,369 |
| Equity capital to assets | 11.0091% | 2,959 |
| Core capital (leverage) ratio | 10.3201% | 3,194 |
| Tier 1 risk-based capital ratio | 22.0006% | 1,245 |
| Total risk-based capital ratio | 22.8102% | 1,281 |
| Memoranda: | ||
| Average total assets | $28,864,000 | 6,191 |
| Average earning assets | $25,511,500 | 6,187 |
| Average equity | $3,164,000 | 6,177 |
| Average total loans | $15,779,500 | 6,059 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6443% | 4,949 |
| Cost of funding earning assets | 0.0964% | 6,336 |
| Net interest margin | 3.5479% | 3,606 |
| Noninterest income to average assets | 0.2724% | 5,171 |
| Noninterest expense to average assets | 3.5271% | 1,424 |
| Loan and lease loss provision to assets | 0.2581% | 868 |
| Net operating income to assets | -0.2939% | 6,235 |
| Return on assets (ROA) | -0.2939% | 6,232 |
| Pretax return on assets | -0.3477% | 6,235 |
| Return on Equity (ROE) | -2.6462% | 6,234 |
| Retained earnings to average equity (ytd only) | -2.6462% | 6,062 |
| Net charge-offs to loans | 0.3070% | 1,438 |
| Credit loss provision to net charge-offs | 163.6364% | 1,484 |
| Earnings coverage of net charge-offs (x) | -0.5682% | 4,769 |
| Efficiency ratio | 102.6069% | 314 |
| Assets per employee ($millions) | 2.6130% | 6,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6659% | 6,049 |
| Loan loss allowance to noncurrent loans | 244.1860% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 5,430 |
| Noncurrent loans to loans | 0.2727% | 4,876 |
| Net loans and leases to total assets | 54.4933% | 4,513 |
| Net loans and leases to deposits | 61.3321% | 4,776 |
| Net loans and leases to core deposits | 61.3321% | 5,056 |
| Total domestic deposits to total assets | 88.8495% | 1,324 |
| Equity capital to assets | 10.9140% | 2,990 |
| Core capital (leverage) ratio | 10.1190% | 3,407 |
| Tier 1 risk-based capital ratio | 22.6850% | 1,122 |
| Total risk-based capital ratio | 23.4787% | 1,168 |
| Memoranda: | ||
| Average total assets | $27,898,400 | 6,294 |
| Average earning assets | $24,888,000 | 6,277 |
| Average equity | $3,098,800 | 6,249 |
| Average total loans | $14,332,800 | 6,178 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6037% | 5,132 |
| Cost of funding earning assets | 0.0968% | 6,420 |
| Net interest margin | 3.5068% | 3,801 |
| Noninterest income to average assets | 0.2552% | 5,392 |
| Noninterest expense to average assets | 3.4865% | 1,487 |
| Loan and lease loss provision to assets | 0.1059% | 2,271 |
| Net operating income to assets | -0.1637% | 6,255 |
| Return on assets (ROA) | -0.1637% | 6,261 |
| Pretax return on assets | -0.1974% | 6,253 |
| Return on Equity (ROE) | -1.4673% | 6,264 |
| Retained earnings to average equity (ytd only) | -1.4673% | 6,029 |
| Net charge-offs to loans | 0.1622% | 2,178 |
| Credit loss provision to net charge-offs | 129.4118% | 1,780 |
| Earnings coverage of net charge-offs (x) | -1.1173% | 4,534 |
| Efficiency ratio | 102.6950% | 312 |
| Assets per employee ($millions) | 2.8957% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5649% | 6,266 |
| Loan loss allowance to noncurrent loans | 36.7713% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 0.7701% | 3,513 |
| Noncurrent loans to loans | 1.5362% | 2,108 |
| Net loans and leases to total assets | 49.8463% | 5,026 |
| Net loans and leases to deposits | 55.9913% | 5,239 |
| Net loans and leases to core deposits | 55.9913% | 5,449 |
| Total domestic deposits to total assets | 89.0251% | 1,223 |
| Equity capital to assets | 10.7988% | 3,183 |
| Core capital (leverage) ratio | 10.4586% | 3,090 |
| Tier 1 risk-based capital ratio | 24.2484% | 961 |
| Total risk-based capital ratio | 24.9006% | 1,012 |
| Memoranda: | ||
| Average total assets | $27,687,250 | 6,372 |
| Average earning assets | $24,789,000 | 6,353 |
| Average equity | $3,089,250 | 6,322 |
| Average total loans | $13,974,000 | 6,260 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 4,940 |
| Cost of funding earning assets | 0.1001% | 6,480 |
| Net interest margin | 3.5714% | 3,478 |
| Noninterest income to average assets | 0.2494% | 5,417 |
| Noninterest expense to average assets | 3.4918% | 1,492 |
| Loan and lease loss provision to assets | 0.0734% | 2,802 |
| Net operating income to assets | -0.1467% | 6,287 |
| Return on assets (ROA) | -0.1467% | 6,300 |
| Pretax return on assets | -0.1761% | 6,299 |
| Return on Equity (ROE) | -1.3001% | 6,292 |
| Retained earnings to average equity (ytd only) | -1.3001% | 5,899 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0303% | 335 |
| Assets per employee ($millions) | 2.8826% | 5,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6227% | 6,280 |
| Loan loss allowance to noncurrent loans | 30.4196% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 0.9922% | 3,074 |
| Noncurrent loans to loans | 2.0471% | 1,643 |
| Net loans and leases to total assets | 48.1649% | 5,160 |
| Net loans and leases to deposits | 54.2980% | 5,332 |
| Net loans and leases to core deposits | 54.2980% | 5,530 |
| Total domestic deposits to total assets | 88.7046% | 1,532 |
| Equity capital to assets | 10.9935% | 2,883 |
| Core capital (leverage) ratio | 10.8491% | 2,581 |
| Tier 1 risk-based capital ratio | 24.5750% | 922 |
| Total risk-based capital ratio | 25.2793% | 963 |
| Memoranda: | ||
| Average total assets | $27,264,000 | 6,441 |
| Average earning assets | $23,968,330 | 6,435 |
| Average equity | $3,076,670 | 6,377 |
| Average total loans | $13,793,330 | 6,327 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 4,560 |
| Cost of funding earning assets | 0.1036% | 6,555 |
| Net interest margin | 3.6796% | 2,952 |
| Noninterest income to average assets | 0.2417% | 5,424 |
| Noninterest expense to average assets | 3.5948% | 1,316 |
| Loan and lease loss provision to assets | 0.0755% | 2,630 |
| Net operating income to assets | -0.1812% | 6,346 |
| Return on assets (ROA) | -0.1812% | 6,349 |
| Pretax return on assets | -0.2115% | 6,351 |
| Return on Equity (ROE) | -1.5839% | 6,337 |
| Retained earnings to average equity (ytd only) | -1.5839% | 5,812 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9301% | 374 |
| Assets per employee ($millions) | 2.7151% | 6,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5892% | 6,422 |
| Loan loss allowance to noncurrent loans | 35.3448% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 0.8545% | 3,593 |
| Noncurrent loans to loans | 1.6670% | 2,326 |
| Net loans and leases to total assets | 50.9558% | 4,801 |
| Net loans and leases to deposits | 57.5835% | 4,981 |
| Net loans and leases to core deposits | 57.5835% | 5,231 |
| Total domestic deposits to total assets | 88.4903% | 1,941 |
| Equity capital to assets | 11.2298% | 2,494 |
| Core capital (leverage) ratio | 11.6414% | 1,870 |
| Tier 1 risk-based capital ratio | 25.5917% | 822 |
| Total risk-based capital ratio | 26.2750% | 866 |
| Memoranda: | ||
| Average total assets | $26,483,000 | 6,526 |
| Average earning assets | $23,155,000 | 6,522 |
| Average equity | $3,030,500 | 6,442 |
| Average total loans | $13,704,500 | 6,392 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7421% | 5,000 |
| Cost of funding earning assets | 0.1117% | 6,647 |
| Net interest margin | 3.6304% | 3,329 |
| Noninterest income to average assets | 0.3052% | 5,160 |
| Noninterest expense to average assets | 3.8064% | 1,124 |
| Loan and lease loss provision to assets | 0.1486% | 2,422 |
| Net operating income to assets | -0.4552% | 6,478 |
| Return on assets (ROA) | -0.3774% | 6,463 |
| Pretax return on assets | -0.4296% | 6,464 |
| Return on Equity (ROE) | -3.6364% | 6,452 |
| Retained earnings to average equity (ytd only) | -3.6364% | 6,305 |
| Net charge-offs to loans | 0.0564% | 4,439 |
| Credit loss provision to net charge-offs | 528.5714% | 444 |
| Earnings coverage of net charge-offs (x) | -13.1429% | 5,436 |
| Efficiency ratio | 110.7477% | 260 |
| Assets per employee ($millions) | 2.5815% | 6,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5707% | 6,505 |
| Loan loss allowance to noncurrent loans | 63.6364% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 4,835 |
| Noncurrent loans to loans | 0.8968% | 3,745 |
| Net loans and leases to total assets | 51.9659% | 4,853 |
| Net loans and leases to deposits | 59.0215% | 5,036 |
| Net loans and leases to core deposits | 59.0215% | 5,305 |
| Total domestic deposits to total assets | 88.0457% | 2,150 |
| Equity capital to assets | 11.6676% | 2,049 |
| Core capital (leverage) ratio | 11.9154% | 1,664 |
| Tier 1 risk-based capital ratio | 26.6097% | 724 |
| Total risk-based capital ratio | 27.2743% | 751 |
| Memoranda: | ||
| Average total assets | $24,905,200 | 6,624 |
| Average earning assets | $21,485,200 | 6,627 |
| Average equity | $2,585,000 | 6,608 |
| Average total loans | $12,415,600 | 6,502 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7076% | 5,149 |
| Cost of funding earning assets | 0.1131% | 6,738 |
| Net interest margin | 3.5945% | 3,467 |
| Noninterest income to average assets | 0.2972% | 5,318 |
| Noninterest expense to average assets | 3.7225% | 1,217 |
| Loan and lease loss provision to assets | 0.0432% | 4,148 |
| Net operating income to assets | -0.3226% | 6,534 |
| Return on assets (ROA) | -0.2215% | 6,498 |
| Pretax return on assets | -0.2593% | 6,493 |
| Return on Equity (ROE) | -2.2060% | 6,492 |
| Retained earnings to average equity (ytd only) | -2.2060% | 6,288 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8884% | 271 |
| Assets per employee ($millions) | 2.5616% | 6,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4407% | 6,697 |
| Loan loss allowance to noncurrent loans | 19.8556% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 1.0814% | 3,498 |
| Noncurrent loans to loans | 2.2196% | 1,995 |
| Net loans and leases to total assets | 48.5048% | 5,299 |
| Net loans and leases to deposits | 54.2908% | 5,514 |
| Net loans and leases to core deposits | 54.2908% | 5,743 |
| Total domestic deposits to total assets | 89.3426% | 1,389 |
| Equity capital to assets | 10.3256% | 3,473 |
| Core capital (leverage) ratio | 10.1990% | 3,401 |
| Tier 1 risk-based capital ratio | 24.1592% | 973 |
| Total risk-based capital ratio | 24.6646% | 1,060 |
| Memoranda: | ||
| Average total assets | $24,677,750 | 6,705 |
| Average earning assets | $21,217,250 | 6,706 |
| Average equity | $2,478,250 | 6,711 |
| Average total loans | $12,146,500 | 6,579 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 5,048 |
| Cost of funding earning assets | 0.1154% | 6,791 |
| Net interest margin | 3.6156% | 3,301 |
| Noninterest income to average assets | 0.2955% | 5,338 |
| Noninterest expense to average assets | 3.6856% | 1,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.2545% | 6,521 |
| Return on assets (ROA) | -0.2545% | 6,552 |
| Pretax return on assets | -0.3037% | 6,554 |
| Return on Equity (ROE) | -2.5592% | 6,557 |
| Retained earnings to average equity (ytd only) | -2.5592% | 6,263 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9806% | 295 |
| Assets per employee ($millions) | 2.5496% | 6,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3879% | 6,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 47.3408% | 5,390 |
| Net loans and leases to deposits | 52.2601% | 5,667 |
| Net loans and leases to core deposits | 52.2601% | 5,870 |
| Total domestic deposits to total assets | 90.5868% | 710 |
| Equity capital to assets | 9.1975% | 4,994 |
| Core capital (leverage) ratio | 8.8955% | 5,152 |
| Tier 1 risk-based capital ratio | 20.8240% | 1,536 |
| Total risk-based capital ratio | 21.2612% | 1,683 |
| Memoranda: | ||
| Average total assets | $24,365,000 | 6,758 |
| Average earning assets | $20,799,000 | 6,766 |
| Average equity | $2,422,670 | 6,765 |
| Average total loans | $12,035,330 | 6,627 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 4,480 |
| Cost of funding earning assets | 0.1193% | 6,863 |
| Net interest margin | 3.7791% | 2,527 |
| Noninterest income to average assets | 0.2689% | 5,533 |
| Noninterest expense to average assets | 3.7984% | 1,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2857% | 6,566 |
| Return on assets (ROA) | -0.2857% | 6,604 |
| Pretax return on assets | -0.3361% | 6,612 |
| Return on Equity (ROE) | -2.7625% | 6,599 |
| Retained earnings to average equity (ytd only) | -2.7625% | 6,165 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7087% | 329 |
| Assets per employee ($millions) | 2.3785% | 6,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3957% | 6,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 49.7456% | 5,027 |
| Net loans and leases to deposits | 55.6250% | 5,285 |
| Net loans and leases to core deposits | 55.6250% | 5,549 |
| Total domestic deposits to total assets | 89.4303% | 1,397 |
| Equity capital to assets | 10.3679% | 3,711 |
| Core capital (leverage) ratio | 9.5832% | 3,950 |
| Tier 1 risk-based capital ratio | 21.7555% | 1,381 |
| Total risk-based capital ratio | 22.2093% | 1,523 |
| Memoranda: | ||
| Average total assets | $23,799,500 | 6,840 |
| Average earning assets | $20,110,500 | 6,848 |
| Average equity | $2,461,500 | 6,823 |
| Average total loans | $11,994,500 | 6,696 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1423% | 4,797 |
| Cost of funding earning assets | 0.2641% | 6,612 |
| Net interest margin | 3.8782% | 2,915 |
| Noninterest income to average assets | 0.2743% | 5,502 |
| Noninterest expense to average assets | 3.5659% | 1,690 |
| Loan and lease loss provision to assets | 0.0332% | 5,478 |
| Net operating income to assets | 0.1413% | 5,907 |
| Return on assets (ROA) | 0.2078% | 5,943 |
| Pretax return on assets | 0.0374% | 6,237 |
| Return on Equity (ROE) | 2.0512% | 5,883 |
| Retained earnings to average equity (ytd only) | 2.0512% | 4,783 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8836% | 564 |
| Assets per employee ($millions) | 2.3814% | 6,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3881% | 6,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 50.6551% | 5,083 |
| Net loans and leases to deposits | 56.7350% | 5,368 |
| Net loans and leases to core deposits | 56.7350% | 5,656 |
| Total domestic deposits to total assets | 89.2836% | 1,383 |
| Equity capital to assets | 10.3175% | 3,733 |
| Core capital (leverage) ratio | 9.4786% | 4,136 |
| Tier 1 risk-based capital ratio | 21.5591% | 1,343 |
| Total risk-based capital ratio | 22.0086% | 1,485 |
| Memoranda: | ||
| Average total assets | $24,061,200 | 6,893 |
| Average earning assets | $20,447,600 | 6,894 |
| Average equity | $2,437,600 | 6,894 |
| Average total loans | $11,136,600 | 6,804 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 5,011 |
| Cost of funding earning assets | 0.3045% | 6,597 |
| Net interest margin | 3.8414% | 3,152 |
| Noninterest income to average assets | 0.2708% | 5,619 |
| Noninterest expense to average assets | 3.5595% | 1,634 |
| Loan and lease loss provision to assets | 0.0332% | 5,360 |
| Net operating income to assets | -0.0442% | 6,332 |
| Return on assets (ROA) | 0.0442% | 6,354 |
| Pretax return on assets | 0.0442% | 6,347 |
| Return on Equity (ROE) | 0.4386% | 6,352 |
| Retained earnings to average equity (ytd only) | 0.4386% | 5,961 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3115% | 523 |
| Assets per employee ($millions) | 2.4009% | 6,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3652% | 7,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 51.1308% | 5,168 |
| Net loans and leases to deposits | 57.1854% | 5,511 |
| Net loans and leases to core deposits | 57.1854% | 5,792 |
| Total domestic deposits to total assets | 89.4123% | 1,182 |
| Equity capital to assets | 10.1795% | 4,234 |
| Core capital (leverage) ratio | 9.1540% | 4,824 |
| Tier 1 risk-based capital ratio | 20.9398% | 1,541 |
| Total risk-based capital ratio | 21.3628% | 1,698 |
| Memoranda: | ||
| Average total assets | $24,123,000 | 6,979 |
| Average earning assets | $20,582,500 | 6,982 |
| Average equity | $2,432,750 | 6,983 |
| Average total loans | $10,893,250 | 6,903 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1543% | 5,116 |
| Cost of funding earning assets | 0.3901% | 6,327 |
| Net interest margin | 3.7642% | 3,519 |
| Noninterest income to average assets | 0.2732% | 5,619 |
| Noninterest expense to average assets | 3.5429% | 1,693 |
| Loan and lease loss provision to assets | 0.0166% | 5,459 |
| Net operating income to assets | -0.0728% | 6,404 |
| Return on assets (ROA) | 0.0331% | 6,419 |
| Pretax return on assets | 0.0414% | 6,401 |
| Return on Equity (ROE) | 0.3294% | 6,417 |
| Retained earnings to average equity (ytd only) | 0.3294% | 5,934 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1480% | 493 |
| Assets per employee ($millions) | 2.4292% | 6,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3975% | 7,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 42.2938% | 6,171 |
| Net loans and leases to deposits | 47.2411% | 6,360 |
| Net loans and leases to core deposits | 47.2411% | 6,501 |
| Total domestic deposits to total assets | 89.5274% | 1,208 |
| Equity capital to assets | 10.0774% | 4,224 |
| Core capital (leverage) ratio | 9.0227% | 4,880 |
| Tier 1 risk-based capital ratio | 21.7549% | 1,337 |
| Total risk-based capital ratio | 22.1559% | 1,473 |
| Memoranda: | ||
| Average total assets | $24,161,000 | 7,035 |
| Average earning assets | $20,509,000 | 7,040 |
| Average equity | $2,429,000 | 7,028 |
| Average total loans | $10,417,330 | 6,983 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 5,213 |
| Cost of funding earning assets | 0.3117% | 6,810 |
| Net interest margin | 3.8577% | 3,106 |
| Noninterest income to average assets | 0.2490% | 5,862 |
| Noninterest expense to average assets | 3.5193% | 1,719 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0166% | 6,386 |
| Return on assets (ROA) | 0.0166% | 6,493 |
| Pretax return on assets | 0.0166% | 6,504 |
| Return on Equity (ROE) | 0.1653% | 6,494 |
| Retained earnings to average equity (ytd only) | 0.1653% | 5,927 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5305% | 567 |
| Assets per employee ($millions) | 2.6840% | 6,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3731% | 7,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 43.1073% | 6,091 |
| Net loans and leases to deposits | 49.3390% | 6,190 |
| Net loans and leases to core deposits | 49.3390% | 6,374 |
| Total domestic deposits to total assets | 87.3696% | 2,734 |
| Equity capital to assets | 10.1010% | 4,002 |
| Core capital (leverage) ratio | 9.1290% | 4,641 |
| Tier 1 risk-based capital ratio | 19.6688% | 1,789 |
| Total risk-based capital ratio | 20.0142% | 2,031 |
| Memoranda: | ||
| Average total assets | $24,095,500 | 7,097 |
| Average earning assets | $20,530,500 | 7,104 |
| Average equity | $2,419,500 | 7,082 |
| Average total loans | $10,468,500 | 7,044 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 5,810 |
| Cost of funding earning assets | 0.4333% | 6,790 |
| Net interest margin | 3.8493% | 3,574 |
| Noninterest income to average assets | 0.2747% | 5,567 |
| Noninterest expense to average assets | 3.8588% | 1,241 |
| Loan and lease loss provision to assets | 0.0959% | 5,392 |
| Net operating income to assets | -0.2703% | 6,315 |
| Return on assets (ROA) | -0.2703% | 6,375 |
| Pretax return on assets | -0.3488% | 6,383 |
| Return on Equity (ROE) | -2.6566% | 6,382 |
| Retained earnings to average equity (ytd only) | -2.7852% | 6,240 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0133% | 498 |
| Assets per employee ($millions) | 2.6706% | 6,647 |
| Cash dividends to net income (ytd only)* | -4.8387% | 7,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3720% | 7,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 43.4616% | 6,256 |
| Net loans and leases to deposits | 50.9164% | 6,297 |
| Net loans and leases to core deposits | 50.9164% | 6,481 |
| Total domestic deposits to total assets | 85.3589% | 3,663 |
| Equity capital to assets | 9.9813% | 4,192 |
| Core capital (leverage) ratio | 9.3078% | 4,317 |
| Tier 1 risk-based capital ratio | 19.7597% | 1,693 |
| Total risk-based capital ratio | 20.1068% | 1,903 |
| Memoranda: | ||
| Average total assets | $22,934,600 | 7,146 |
| Average earning assets | $19,847,600 | 7,142 |
| Average equity | $2,333,800 | 7,160 |
| Average total loans | $9,638,600 | 7,126 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 6,050 |
| Cost of funding earning assets | 0.4602% | 6,850 |
| Net interest margin | 3.8036% | 3,863 |
| Noninterest income to average assets | 0.2824% | 5,587 |
| Noninterest expense to average assets | 3.8188% | 1,280 |
| Loan and lease loss provision to assets | 0.1059% | 5,116 |
| Net operating income to assets | -0.2530% | 6,440 |
| Return on assets (ROA) | -0.2530% | 6,513 |
| Pretax return on assets | -0.3354% | 6,523 |
| Return on Equity (ROE) | -2.4738% | 6,525 |
| Retained earnings to average equity (ytd only) | -2.6464% | 6,376 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3934% | 495 |
| Assets per employee ($millions) | 2.6170% | 6,758 |
| Cash dividends to net income (ytd only)* | -6.9771% | 7,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3599% | 7,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 41.1413% | 6,551 |
| Net loans and leases to deposits | 48.4185% | 6,604 |
| Net loans and leases to core deposits | 48.4185% | 6,745 |
| Total domestic deposits to total assets | 84.9701% | 3,776 |
| Equity capital to assets | 10.2917% | 3,971 |
| Core capital (leverage) ratio | 9.5400% | 4,094 |
| Tier 1 risk-based capital ratio | 20.9895% | 1,457 |
| Total risk-based capital ratio | 21.3175% | 1,640 |
| Memoranda: | ||
| Average total assets | $22,659,500 | 7,223 |
| Average earning assets | $19,700,000 | 7,219 |
| Average equity | $2,317,500 | 7,232 |
| Average total loans | $9,427,000 | 7,202 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 6,142 |
| Cost of funding earning assets | 0.4696% | 6,952 |
| Net interest margin | 3.7875% | 3,850 |
| Noninterest income to average assets | 0.2862% | 5,591 |
| Noninterest expense to average assets | 3.8816% | 1,225 |
| Loan and lease loss provision to assets | 0.0268% | 5,968 |
| Net operating income to assets | -0.2057% | 6,475 |
| Return on assets (ROA) | -0.2057% | 6,515 |
| Pretax return on assets | -0.3041% | 6,534 |
| Return on Equity (ROE) | -2.0158% | 6,516 |
| Retained earnings to average equity (ytd only) | -2.1034% | 6,269 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6923% | 521 |
| Assets per employee ($millions) | 2.5359% | 6,871 |
| Cash dividends to net income (ytd only)* | -4.3478% | 7,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2113% | 7,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 41.3793% | 6,636 |
| Net loans and leases to deposits | 48.7181% | 6,688 |
| Net loans and leases to core deposits | 48.7181% | 6,821 |
| Total domestic deposits to total assets | 84.9362% | 3,903 |
| Equity capital to assets | 10.2484% | 3,820 |
| Core capital (leverage) ratio | 9.9154% | 3,368 |
| Tier 1 risk-based capital ratio | 20.8868% | 1,446 |
| Total risk-based capital ratio | 21.0716% | 1,618 |
| Memoranda: | ||
| Average total assets | $22,361,670 | 7,298 |
| Average earning assets | $19,590,670 | 7,293 |
| Average equity | $2,282,000 | 7,300 |
| Average total loans | $9,327,670 | 7,275 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2176% | 6,241 |
| Cost of funding earning assets | 0.4732% | 7,057 |
| Net interest margin | 3.7444% | 3,873 |
| Noninterest income to average assets | 0.2530% | 5,869 |
| Noninterest expense to average assets | 3.9582% | 1,091 |
| Loan and lease loss provision to assets | 0.0181% | 5,716 |
| Net operating income to assets | -0.3615% | 6,714 |
| Return on assets (ROA) | -0.3615% | 6,721 |
| Pretax return on assets | -0.4338% | 6,717 |
| Return on Equity (ROE) | -3.5500% | 6,714 |
| Retained earnings to average equity (ytd only) | -3.7275% | 6,380 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7347% | 464 |
| Assets per employee ($millions) | 2.4904% | 6,999 |
| Cash dividends to net income (ytd only)* | -5.0000% | 7,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1916% | 7,450 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 41.8399% | 6,633 |
| Net loans and leases to deposits | 49.0918% | 6,683 |
| Net loans and leases to core deposits | 49.0918% | 6,825 |
| Total domestic deposits to total assets | 85.2280% | 3,934 |
| Equity capital to assets | 9.9313% | 3,862 |
| Core capital (leverage) ratio | 10.2457% | 2,869 |
| Tier 1 risk-based capital ratio | 22.9243% | 1,094 |
| Total risk-based capital ratio | 23.1065% | 1,221 |
| Memoranda: | ||
| Average total assets | $22,131,000 | 7,357 |
| Average earning assets | $19,442,500 | 7,352 |
| Average equity | $2,253,500 | 7,357 |
| Average total loans | $9,259,500 | 7,335 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 6,524 |
| Cost of funding earning assets | 0.6495% | 7,005 |
| Net interest margin | 3.7971% | 3,959 |
| Noninterest income to average assets | 0.2765% | 5,801 |
| Noninterest expense to average assets | 4.4490% | 686 |
| Loan and lease loss provision to assets | 0.0146% | 6,953 |
| Net operating income to assets | -0.6278% | 6,466 |
| Return on assets (ROA) | -0.3833% | 6,324 |
| Pretax return on assets | -0.5288% | 6,343 |
| Return on Equity (ROE) | -3.2996% | 6,300 |
| Retained earnings to average equity (ytd only) | -4.3021% | 6,230 |
| Net charge-offs to loans | 0.0238% | 6,576 |
| Credit loss provision to net charge-offs | 150.0000% | 2,411 |
| Earnings coverage of net charge-offs (x) | -88.0000% | 6,841 |
| Efficiency ratio | 123.7517% | 369 |
| Assets per employee ($millions) | 2.1848% | 7,314 |
| Cash dividends to net income (ytd only)* | -30.3797% | 7,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1863% | 7,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 41.6789% | 6,864 |
| Net loans and leases to deposits | 49.3283% | 6,887 |
| Net loans and leases to core deposits | 49.3283% | 7,008 |
| Total domestic deposits to total assets | 84.4929% | 4,110 |
| Equity capital to assets | 10.4403% | 3,229 |
| Core capital (leverage) ratio | 10.5195% | 2,538 |
| Tier 1 risk-based capital ratio | 23.8026% | 949 |
| Total risk-based capital ratio | 23.9796% | 1,055 |
| Memoranda: | ||
| Average total assets | $20,611,200 | 7,451 |
| Average earning assets | $18,013,800 | 7,448 |
| Average equity | $2,394,200 | 7,424 |
| Average total loans | $8,390,000 | 7,452 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4482% | 6,731 |
| Cost of funding earning assets | 0.6838% | 7,100 |
| Net interest margin | 3.7644% | 4,115 |
| Noninterest income to average assets | 0.2693% | 5,963 |
| Noninterest expense to average assets | 4.4724% | 619 |
| Loan and lease loss provision to assets | 0.0132% | 6,903 |
| Net operating income to assets | -0.6121% | 6,672 |
| Return on assets (ROA) | -0.3087% | 6,480 |
| Pretax return on assets | -0.4663% | 6,522 |
| Return on Equity (ROE) | -2.5870% | 6,458 |
| Retained earnings to average equity (ytd only) | -2.9168% | 6,338 |
| Net charge-offs to loans | 0.0325% | 6,233 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | -69.4120% | 6,662 |
| Efficiency ratio | 125.6458% | 336 |
| Assets per employee ($millions) | 2.0917% | 7,471 |
| Cash dividends to net income (ytd only)* | -12.7653% | 7,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1822% | 7,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 41.9133% | 6,982 |
| Net loans and leases to deposits | 50.5798% | 6,979 |
| Net loans and leases to core deposits | 50.5798% | 7,101 |
| Total domestic deposits to total assets | 82.8656% | 4,644 |
| Equity capital to assets | 11.7225% | 2,340 |
| Core capital (leverage) ratio | 11.1238% | 2,178 |
| Tier 1 risk-based capital ratio | 26.7929% | 712 |
| Total risk-based capital ratio | 26.9765% | 779 |
| Memoranda: | ||
| Average total assets | $20,302,000 | 7,557 |
| Average earning assets | $17,744,500 | 7,553 |
| Average equity | $2,422,500 | 7,513 |
| Average total loans | $8,206,750 | 7,558 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4427% | 6,819 |
| Cost of funding earning assets | 0.7195% | 7,145 |
| Net interest margin | 3.7232% | 4,256 |
| Noninterest income to average assets | 0.2687% | 6,002 |
| Noninterest expense to average assets | 4.5678% | 535 |
| Loan and lease loss provision to assets | 0.0100% | 6,804 |
| Net operating income to assets | -0.6250% | 6,760 |
| Return on assets (ROA) | -0.1791% | 6,387 |
| Pretax return on assets | -0.3682% | 6,489 |
| Return on Equity (ROE) | -1.4921% | 6,373 |
| Retained earnings to average equity (ytd only) | -1.8237% | 6,116 |
| Net charge-offs to loans | 0.0499% | 5,688 |
| Credit loss provision to net charge-offs | 50.0000% | 5,413 |
| Earnings coverage of net charge-offs (x) | -53.0000% | 6,357 |
| Efficiency ratio | 130.0283% | 315 |
| Assets per employee ($millions) | 1.9288% | 7,611 |
| Cash dividends to net income (ytd only)* | -22.2222% | 7,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1748% | 7,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 40.3686% | 7,142 |
| Net loans and leases to deposits | 48.5599% | 7,137 |
| Net loans and leases to core deposits | 48.5599% | 7,263 |
| Total domestic deposits to total assets | 83.1315% | 4,511 |
| Equity capital to assets | 11.5096% | 2,436 |
| Core capital (leverage) ratio | 11.4129% | 1,965 |
| Tier 1 risk-based capital ratio | 27.7276% | 646 |
| Total risk-based capital ratio | 27.9034% | 712 |
| Memoranda: | ||
| Average total assets | $20,097,000 | 7,624 |
| Average earning assets | $17,512,000 | 7,625 |
| Average equity | $2,412,670 | 7,569 |
| Average total loans | $8,014,670 | 7,629 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 6,497 |
| Cost of funding earning assets | 0.7782% | 7,152 |
| Net interest margin | 3.8437% | 3,607 |
| Noninterest income to average assets | 0.2457% | 6,188 |
| Noninterest expense to average assets | 4.5452% | 553 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.8190% | 7,012 |
| Return on assets (ROA) | -0.8190% | 7,040 |
| Pretax return on assets | -0.9623% | 7,034 |
| Return on Equity (ROE) | -6.6722% | 6,966 |
| Retained earnings to average equity (ytd only) | -7.3394% | 6,777 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.8571% | 367 |
| Assets per employee ($millions) | 1.8123% | 7,751 |
| Cash dividends to net income (ytd only)* | -10.0000% | 7,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2066% | 7,809 |
| Loan loss allowance to noncurrent loans | 800.0000% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 7,474 |
| Noncurrent loans to loans | 0.0258% | 7,350 |
| Net loans and leases to total assets | 38.7660% | 7,317 |
| Net loans and leases to deposits | 47.0617% | 7,278 |
| Net loans and leases to core deposits | 47.0617% | 7,395 |
| Total domestic deposits to total assets | 82.3727% | 4,901 |
| Equity capital to assets | 12.0341% | 2,025 |
| Core capital (leverage) ratio | 12.0187% | 1,646 |
| Tier 1 risk-based capital ratio | 27.6578% | 661 |
| Total risk-based capital ratio | 27.8466% | 717 |
| Memoranda: | ||
| Average total assets | $19,537,000 | 7,731 |
| Average earning assets | $16,963,000 | 7,733 |
| Average equity | $2,398,000 | 7,664 |
| Average total loans | $7,732,000 | 7,733 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7584% | 7,029 |
| Cost of funding earning assets | 0.9565% | 7,292 |
| Net interest margin | 3.8019% | 3,701 |
| Noninterest income to average assets | 0.2958% | 5,999 |
| Noninterest expense to average assets | 3.7868% | 1,726 |
| Loan and lease loss provision to assets | 0.0053% | 7,404 |
| Net operating income to assets | -0.1200% | 5,707 |
| Return on assets (ROA) | 0.2007% | 4,964 |
| Pretax return on assets | 0.2271% | 4,945 |
| Return on Equity (ROE) | 1.5210% | 5,081 |
| Retained earnings to average equity (ytd only) | -0.1201% | 4,963 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6127% | 963 |
| Assets per employee ($millions) | 1.9139% | 7,774 |
| Cash dividends to net income (ytd only)* | 107.8947% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2073% | 7,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 40.2529% | 7,338 |
| Net loans and leases to deposits | 49.4163% | 7,288 |
| Net loans and leases to core deposits | 53.0615% | 7,501 |
| Total domestic deposits to total assets | 81.4567% | 5,172 |
| Equity capital to assets | 12.5242% | 1,738 |
| Core capital (leverage) ratio | 12.3795% | 1,496 |
| Tier 1 risk-based capital ratio | 29.1932% | 569 |
| Total risk-based capital ratio | 29.3888% | 612 |
| Memoranda: | ||
| Average total assets | $18,934,400 | 7,805 |
| Average earning assets | $16,728,400 | 7,799 |
| Average equity | $2,498,400 | 7,731 |
| Average total loans | $7,031,200 | 7,824 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7197% | 7,251 |
| Cost of funding earning assets | 0.9995% | 7,386 |
| Net interest margin | 3.7203% | 3,987 |
| Noninterest income to average assets | 0.3036% | 6,051 |
| Noninterest expense to average assets | 3.4598% | 2,393 |
| Loan and lease loss provision to assets | 0.0070% | 7,251 |
| Net operating income to assets | 0.1288% | 5,378 |
| Return on assets (ROA) | 0.4237% | 4,409 |
| Pretax return on assets | 0.4872% | 4,556 |
| Return on Equity (ROE) | 3.1699% | 4,716 |
| Retained earnings to average equity (ytd only) | 2.7998% | 3,766 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7031% | 1,291 |
| Assets per employee ($millions) | 2.7560% | 6,724 |
| Cash dividends to net income (ytd only)* | 11.6625% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2124% | 7,967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 38.9695% | 7,505 |
| Net loans and leases to deposits | 48.2449% | 7,486 |
| Net loans and leases to core deposits | 51.8054% | 7,648 |
| Total domestic deposits to total assets | 80.7744% | 5,166 |
| Equity capital to assets | 13.2283% | 1,609 |
| Core capital (leverage) ratio | 12.8665% | 1,425 |
| Tier 1 risk-based capital ratio | 30.3075% | 552 |
| Total risk-based capital ratio | 30.5060% | 600 |
| Memoranda: | ||
| Average total assets | $18,883,250 | 7,883 |
| Average earning assets | $16,808,500 | 7,878 |
| Average equity | $2,523,750 | 7,801 |
| Average total loans | $6,859,000 | 7,908 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 7,262 |
| Cost of funding earning assets | 1.0476% | 7,470 |
| Net interest margin | 3.7330% | 3,816 |
| Noninterest income to average assets | 0.2987% | 6,126 |
| Noninterest expense to average assets | 3.3819% | 2,685 |
| Loan and lease loss provision to assets | 0.0107% | 7,102 |
| Net operating income to assets | 0.1835% | 5,323 |
| Return on assets (ROA) | 0.6188% | 3,712 |
| Pretax return on assets | 0.7254% | 3,917 |
| Return on Equity (ROE) | 4.6136% | 4,249 |
| Retained earnings to average equity (ytd only) | 4.2954% | 2,909 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7870% | 1,513 |
| Assets per employee ($millions) | 2.6887% | 6,857 |
| Cash dividends to net income (ytd only)* | 6.8966% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2392% | 8,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 35.4604% | 7,725 |
| Net loans and leases to deposits | 43.9021% | 7,705 |
| Net loans and leases to core deposits | 46.4020% | 7,829 |
| Total domestic deposits to total assets | 80.7715% | 5,164 |
| Equity capital to assets | 13.1661% | 1,626 |
| Core capital (leverage) ratio | 12.7984% | 1,510 |
| Tier 1 risk-based capital ratio | 32.5870% | 484 |
| Total risk-based capital ratio | 32.8002% | 504 |
| Memoranda: | ||
| Average total assets | $18,747,000 | 7,968 |
| Average earning assets | $16,608,670 | 7,960 |
| Average equity | $2,514,330 | 7,876 |
| Average total loans | $6,634,000 | 8,003 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 7,104 |
| Cost of funding earning assets | 1.0633% | 7,579 |
| Net interest margin | 3.8665% | 3,197 |
| Noninterest income to average assets | 0.3207% | 5,883 |
| Noninterest expense to average assets | 3.3137% | 2,617 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3634% | 5,002 |
| Return on assets (ROA) | 0.3634% | 5,187 |
| Pretax return on assets | 0.4276% | 5,321 |
| Return on Equity (ROE) | 2.6851% | 5,496 |
| Retained earnings to average equity (ytd only) | 2.0533% | 4,722 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5714% | 1,841 |
| Assets per employee ($millions) | 2.6954% | 6,898 |
| Cash dividends to net income (ytd only)* | 23.5294% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2266% | 8,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 35.0064% | 7,763 |
| Net loans and leases to deposits | 43.5485% | 7,742 |
| Net loans and leases to core deposits | 46.0953% | 7,868 |
| Total domestic deposits to total assets | 80.3848% | 5,219 |
| Equity capital to assets | 13.5679% | 1,505 |
| Core capital (leverage) ratio | 13.0080% | 1,480 |
| Tier 1 risk-based capital ratio | 32.8102% | 498 |
| Total risk-based capital ratio | 33.0149% | 529 |
| Memoranda: | ||
| Average total assets | $18,710,000 | 8,015 |
| Average earning assets | $16,552,500 | 8,016 |
| Average equity | $2,532,500 | 7,926 |
| Average total loans | $6,606,000 | 8,056 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1478% | 7,731 |
| Cost of funding earning assets | 1.3732% | 7,774 |
| Net interest margin | 3.7747% | 4,122 |
| Noninterest income to average assets | 0.3357% | 6,055 |
| Noninterest expense to average assets | 3.2648% | 3,091 |
| Loan and lease loss provision to assets | 0.0054% | 7,292 |
| Net operating income to assets | 0.3790% | 5,231 |
| Return on assets (ROA) | 0.3790% | 5,048 |
| Pretax return on assets | 0.4440% | 5,142 |
| Return on Equity (ROE) | 2.9664% | 5,248 |
| Retained earnings to average equity (ytd only) | 1.1018% | 4,569 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9009% | 1,686 |
| Assets per employee ($millions) | 2.6503% | 6,886 |
| Cash dividends to net income (ytd only)* | 62.8571% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2275% | 8,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 35.4517% | 7,851 |
| Net loans and leases to deposits | 44.1943% | 7,843 |
| Net loans and leases to core deposits | 46.8314% | 7,948 |
| Total domestic deposits to total assets | 80.2178% | 4,939 |
| Equity capital to assets | 13.5026% | 1,592 |
| Core capital (leverage) ratio | 12.9250% | 1,567 |
| Tier 1 risk-based capital ratio | 33.3194% | 500 |
| Total risk-based capital ratio | 33.5284% | 525 |
| Memoranda: | ||
| Average total assets | $18,469,800 | 8,063 |
| Average earning assets | $16,531,200 | 8,050 |
| Average equity | $2,359,800 | 8,034 |
| Average total loans | $5,995,200 | 8,125 |