Home > Menno State Bank > Performance and Condition Ratios
Menno State Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4879% | 3,055 |
| Cost of funding earning assets | 0.4771% | 4,221 |
| Net interest margin | 4.0108% | 1,890 |
| Noninterest income to average assets | 0.2335% | 4,353 |
| Noninterest expense to average assets | 2.5521% | 3,327 |
| Loan and lease loss provision to assets | 1.7014% | 47 |
| Net operating income to assets | -0.9841% | 5,223 |
| Return on assets (ROA) | -0.9841% | 5,226 |
| Pretax return on assets | -0.2335% | 5,154 |
| Return on Equity (ROE) | -8.8670% | 5,230 |
| Retained earnings to average equity (ytd only) | -8.8670% | 5,154 |
| Net charge-offs to loans | 2.3567% | 43 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 0.8627% | 3,072 |
| Efficiency ratio | 63.4855% | 3,218 |
| Assets per employee ($millions) | 4.2808% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 3,407 |
| Loan loss allowance to noncurrent loans | 46.7905% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.7287% | 604 |
| Noncurrent loans to loans | 2.2156% | 606 |
| Net loans and leases to total assets | 77.2149% | 1,352 |
| Net loans and leases to deposits | 87.4091% | 2,069 |
| Net loans and leases to core deposits | 88.8781% | 2,715 |
| Total domestic deposits to total assets | 88.3373% | 946 |
| Equity capital to assets | 11.3269% | 2,761 |
| Core capital (leverage) ratio | 10.9490% | 2,646 |
| Tier 1 risk-based capital ratio | 13.8333% | 3,406 |
| Total risk-based capital ratio | 14.8212% | 3,442 |
| Memoranda: | ||
| Average total assets | $35,970,670 | 5,070 |
| Average earning assets | $33,958,000 | 5,048 |
| Average equity | $3,992,330 | 5,103 |
| Average total loans | $25,968,330 | 4,830 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4120% | 3,182 |
| Cost of funding earning assets | 0.5082% | 4,024 |
| Net interest margin | 3.9038% | 2,177 |
| Noninterest income to average assets | 0.3258% | 3,677 |
| Noninterest expense to average assets | 1.9548% | 4,723 |
| Loan and lease loss provision to assets | 3.3231% | 23 |
| Net operating income to assets | -1.2597% | 5,299 |
| Return on assets (ROA) | -1.2597% | 5,296 |
| Pretax return on assets | -1.2815% | 5,291 |
| Return on Equity (ROE) | -11.4596% | 5,306 |
| Retained earnings to average equity (ytd only) | -11.4596% | 5,146 |
| Net charge-offs to loans | 4.7827% | 20 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 0.6144% | 2,656 |
| Efficiency ratio | 48.9130% | 4,902 |
| Assets per employee ($millions) | 4.4464% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 3,162 |
| Loan loss allowance to noncurrent loans | 432.8125% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 3,914 |
| Noncurrent loans to loans | 0.2529% | 3,657 |
| Net loans and leases to total assets | 70.3523% | 2,429 |
| Net loans and leases to deposits | 80.8144% | 2,752 |
| Net loans and leases to core deposits | 80.8144% | 3,289 |
| Total domestic deposits to total assets | 87.0541% | 1,785 |
| Equity capital to assets | 11.2423% | 2,610 |
| Core capital (leverage) ratio | 10.6055% | 2,937 |
| Tier 1 risk-based capital ratio | 14.5207% | 3,092 |
| Total risk-based capital ratio | 15.5265% | 3,133 |
| Memoranda: | ||
| Average total assets | $36,833,000 | 5,111 |
| Average earning assets | $34,633,000 | 5,090 |
| Average equity | $4,049,000 | 5,144 |
| Average total loans | $25,592,500 | 4,895 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0470% | 3,899 |
| Cost of funding earning assets | 0.3682% | 4,173 |
| Net interest margin | 3.6788% | 3,122 |
| Noninterest income to average assets | 0.1785% | 4,831 |
| Noninterest expense to average assets | 2.1803% | 4,385 |
| Loan and lease loss provision to assets | 0.0784% | 2,559 |
| Net operating income to assets | 1.0604% | 2,759 |
| Return on assets (ROA) | 1.0604% | 2,743 |
| Pretax return on assets | 1.4066% | 2,114 |
| Return on Equity (ROE) | 9.5666% | 2,711 |
| Retained earnings to average equity (ytd only) | 4.0756% | 3,314 |
| Net charge-offs to loans | 0.0443% | 2,539 |
| Credit loss provision to net charge-offs | 263.6364% | 1,137 |
| Earnings coverage of net charge-offs (x) | 49.9091% | 1,137 |
| Efficiency ratio | 59.4834% | 3,943 |
| Assets per employee ($millions) | 4.7619% | 2,796 |
| Cash dividends to net income (ytd only)* | 57.3980% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 3,269 |
| Loan loss allowance to noncurrent loans | 53.9961% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.3466% | 931 |
| Noncurrent loans to loans | 1.9820% | 686 |
| Net loans and leases to total assets | 67.2162% | 2,972 |
| Net loans and leases to deposits | 77.2895% | 3,245 |
| Net loans and leases to core deposits | 83.2986% | 3,150 |
| Total domestic deposits to total assets | 86.9668% | 1,799 |
| Equity capital to assets | 10.7599% | 2,923 |
| Core capital (leverage) ratio | 10.8555% | 2,672 |
| Tier 1 risk-based capital ratio | 14.5465% | 3,044 |
| Total risk-based capital ratio | 15.5248% | 3,095 |
| Memoranda: | ||
| Average total assets | $36,967,600 | 5,145 |
| Average earning assets | $35,038,600 | 5,112 |
| Average equity | $4,097,600 | 5,166 |
| Average total loans | $24,848,600 | 4,944 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9909% | 3,957 |
| Cost of funding earning assets | 0.3176% | 4,394 |
| Net interest margin | 3.6734% | 3,109 |
| Noninterest income to average assets | 0.1890% | 4,841 |
| Noninterest expense to average assets | 1.9299% | 4,859 |
| Loan and lease loss provision to assets | 0.1054% | 1,906 |
| Net operating income to assets | 1.2321% | 2,117 |
| Return on assets (ROA) | 1.2321% | 2,118 |
| Pretax return on assets | 1.6427% | 1,438 |
| Return on Equity (ROE) | 11.0315% | 2,163 |
| Retained earnings to average equity (ytd only) | 11.0315% | 644 |
| Net charge-offs to loans | 0.0651% | 1,903 |
| Credit loss provision to net charge-offs | 241.6667% | 1,211 |
| Earnings coverage of net charge-offs (x) | 40.0825% | 1,355 |
| Efficiency ratio | 52.4704% | 4,760 |
| Assets per employee ($millions) | 4.5413% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 3,501 |
| Loan loss allowance to noncurrent loans | 53.8012% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.4121% | 942 |
| Noncurrent loans to loans | 1.9405% | 775 |
| Net loans and leases to total assets | 72.0066% | 2,327 |
| Net loans and leases to deposits | 84.4770% | 2,540 |
| Net loans and leases to core deposits | 91.5325% | 2,525 |
| Total domestic deposits to total assets | 85.2381% | 2,514 |
| Equity capital to assets | 11.7176% | 2,090 |
| Core capital (leverage) ratio | 11.8122% | 1,908 |
| Tier 1 risk-based capital ratio | 14.7797% | 2,982 |
| Total risk-based capital ratio | 15.7304% | 3,054 |
| Memoranda: | ||
| Average total assets | $36,685,750 | 5,213 |
| Average earning assets | $34,844,750 | 5,178 |
| Average equity | $4,097,250 | 5,232 |
| Average total loans | $24,590,000 | 5,009 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8920% | 4,094 |
| Cost of funding earning assets | 0.2633% | 4,673 |
| Net interest margin | 3.6287% | 3,205 |
| Noninterest income to average assets | 0.1956% | 4,845 |
| Noninterest expense to average assets | 1.9563% | 4,867 |
| Loan and lease loss provision to assets | 0.0924% | 2,070 |
| Net operating income to assets | 1.2118% | 2,145 |
| Return on assets (ROA) | 1.2118% | 2,142 |
| Pretax return on assets | 1.5922% | 1,523 |
| Return on Equity (ROE) | 11.0287% | 2,100 |
| Retained earnings to average equity (ytd only) | 11.0287% | 665 |
| Net charge-offs to loans | 0.0834% | 1,495 |
| Credit loss provision to net charge-offs | 170.0000% | 1,454 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,468 |
| Efficiency ratio | 53.7313% | 4,718 |
| Assets per employee ($millions) | 4.4388% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 3,503 |
| Loan loss allowance to noncurrent loans | 122.5806% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6111% | 2,392 |
| Noncurrent loans to loans | 0.8618% | 2,001 |
| Net loans and leases to total assets | 70.1605% | 2,556 |
| Net loans and leases to deposits | 83.1520% | 2,629 |
| Net loans and leases to core deposits | 83.1520% | 3,153 |
| Total domestic deposits to total assets | 84.3762% | 2,926 |
| Equity capital to assets | 11.6784% | 2,074 |
| Core capital (leverage) ratio | 11.3306% | 2,224 |
| Tier 1 risk-based capital ratio | 15.1757% | 2,790 |
| Total risk-based capital ratio | 16.1426% | 2,844 |
| Memoranda: | ||
| Average total assets | $36,804,330 | 5,272 |
| Average earning assets | $34,943,670 | 5,241 |
| Average equity | $4,044,000 | 5,293 |
| Average total loans | $23,974,670 | 5,089 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7842% | 4,268 |
| Cost of funding earning assets | 0.2259% | 4,859 |
| Net interest margin | 3.5583% | 3,317 |
| Noninterest income to average assets | 0.2136% | 4,726 |
| Noninterest expense to average assets | 2.0186% | 4,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1962% | 2,023 |
| Return on assets (ROA) | 1.1962% | 2,038 |
| Pretax return on assets | 1.5594% | 1,500 |
| Return on Equity (ROE) | 11.2210% | 1,877 |
| Retained earnings to average equity (ytd only) | 11.2210% | 842 |
| Net charge-offs to loans | -0.0171% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4179% | 4,526 |
| Assets per employee ($millions) | 4.7011% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,242 |
| Loan loss allowance to noncurrent loans | 2,166.6667% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 4,948 |
| Noncurrent loans to loans | 0.0518% | 4,750 |
| Net loans and leases to total assets | 60.8817% | 3,664 |
| Net loans and leases to deposits | 69.4691% | 3,832 |
| Net loans and leases to core deposits | 69.4691% | 4,113 |
| Total domestic deposits to total assets | 87.6386% | 1,830 |
| Equity capital to assets | 10.7368% | 2,834 |
| Core capital (leverage) ratio | 10.9888% | 2,452 |
| Tier 1 risk-based capital ratio | 15.8453% | 2,542 |
| Total risk-based capital ratio | 16.8590% | 2,573 |
| Memoranda: | ||
| Average total assets | $37,451,500 | 5,320 |
| Average earning assets | $35,410,500 | 5,285 |
| Average equity | $3,992,500 | 5,354 |
| Average total loans | $23,372,000 | 5,163 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7138% | 4,303 |
| Cost of funding earning assets | 0.1952% | 4,986 |
| Net interest margin | 3.5186% | 3,469 |
| Noninterest income to average assets | 0.2312% | 4,748 |
| Noninterest expense to average assets | 2.0780% | 4,815 |
| Loan and lease loss provision to assets | 0.0544% | 3,139 |
| Net operating income to assets | 0.9765% | 2,342 |
| Return on assets (ROA) | 0.9765% | 2,383 |
| Pretax return on assets | 1.4334% | 1,876 |
| Return on Equity (ROE) | 9.0652% | 2,287 |
| Retained earnings to average equity (ytd only) | 5.2775% | 1,949 |
| Net charge-offs to loans | 0.0178% | 3,504 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 136.7500% | 506 |
| Efficiency ratio | 58.2761% | 4,493 |
| Assets per employee ($millions) | 4.6693% | 2,915 |
| Cash dividends to net income (ytd only)* | 41.7827% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,371 |
| Loan loss allowance to noncurrent loans | 172.6667% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 3,255 |
| Noncurrent loans to loans | 0.6359% | 2,629 |
| Net loans and leases to total assets | 62.4511% | 3,561 |
| Net loans and leases to deposits | 73.4139% | 3,563 |
| Net loans and leases to core deposits | 73.4139% | 3,929 |
| Total domestic deposits to total assets | 85.0672% | 2,818 |
| Equity capital to assets | 10.7271% | 2,916 |
| Core capital (leverage) ratio | 10.6478% | 2,697 |
| Tier 1 risk-based capital ratio | 14.1263% | 3,293 |
| Total risk-based capital ratio | 15.0382% | 3,391 |
| Memoranda: | ||
| Average total assets | $36,765,400 | 5,384 |
| Average earning assets | $34,843,400 | 5,352 |
| Average equity | $3,960,200 | 5,426 |
| Average total loans | $22,505,600 | 5,240 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7177% | 4,276 |
| Cost of funding earning assets | 0.1916% | 5,045 |
| Net interest margin | 3.5260% | 3,404 |
| Noninterest income to average assets | 0.2476% | 4,723 |
| Noninterest expense to average assets | 1.9080% | 5,120 |
| Loan and lease loss provision to assets | 0.0655% | 2,760 |
| Net operating income to assets | 1.0195% | 2,475 |
| Return on assets (ROA) | 1.0195% | 2,513 |
| Pretax return on assets | 1.6240% | 1,337 |
| Return on Equity (ROE) | 9.4613% | 2,373 |
| Retained earnings to average equity (ytd only) | 9.4613% | 719 |
| Net charge-offs to loans | 0.0120% | 3,307 |
| Credit loss provision to net charge-offs | 900.0000% | 383 |
| Earnings coverage of net charge-offs (x) | 231.7041% | 379 |
| Efficiency ratio | 53.0364% | 5,009 |
| Assets per employee ($millions) | 4.4704% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 3,408 |
| Loan loss allowance to noncurrent loans | 160.8696% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 3,230 |
| Noncurrent loans to loans | 0.6933% | 2,631 |
| Net loans and leases to total assets | 64.2060% | 3,364 |
| Net loans and leases to deposits | 75.5801% | 3,413 |
| Net loans and leases to core deposits | 75.5801% | 3,832 |
| Total domestic deposits to total assets | 84.9509% | 2,734 |
| Equity capital to assets | 11.4280% | 2,438 |
| Core capital (leverage) ratio | 11.2843% | 2,194 |
| Tier 1 risk-based capital ratio | 15.9380% | 2,533 |
| Total risk-based capital ratio | 16.9490% | 2,571 |
| Memoranda: | ||
| Average total assets | $36,617,250 | 5,445 |
| Average earning assets | $34,788,000 | 5,415 |
| Average equity | $3,945,750 | 5,487 |
| Average total loans | $22,235,250 | 5,302 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6509% | 4,360 |
| Cost of funding earning assets | 0.1825% | 5,118 |
| Net interest margin | 3.4684% | 3,515 |
| Noninterest income to average assets | 0.2601% | 4,671 |
| Noninterest expense to average assets | 1.8969% | 5,189 |
| Loan and lease loss provision to assets | 0.0976% | 2,054 |
| Net operating income to assets | 0.9864% | 2,495 |
| Return on assets (ROA) | 0.9864% | 2,543 |
| Pretax return on assets | 1.5609% | 1,458 |
| Return on Equity (ROE) | 9.3365% | 2,337 |
| Retained earnings to average equity (ytd only) | 9.3365% | 747 |
| Net charge-offs to loans | 0.0183% | 2,881 |
| Credit loss provision to net charge-offs | 900.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 153.0000% | 498 |
| Efficiency ratio | 53.3537% | 5,068 |
| Assets per employee ($millions) | 4.6083% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 3,443 |
| Loan loss allowance to noncurrent loans | 462.5000% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 4,569 |
| Noncurrent loans to loans | 0.2433% | 4,161 |
| Net loans and leases to total assets | 61.7290% | 3,660 |
| Net loans and leases to deposits | 70.4398% | 3,878 |
| Net loans and leases to core deposits | 70.4398% | 4,197 |
| Total domestic deposits to total assets | 87.6336% | 1,644 |
| Equity capital to assets | 10.8257% | 3,005 |
| Core capital (leverage) ratio | 10.5418% | 2,869 |
| Tier 1 risk-based capital ratio | 15.5101% | 2,703 |
| Total risk-based capital ratio | 16.5181% | 2,749 |
| Memoranda: | ||
| Average total assets | $36,902,000 | 5,482 |
| Average earning assets | $35,059,670 | 5,453 |
| Average equity | $3,898,670 | 5,538 |
| Average total loans | $21,906,670 | 5,354 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6019% | 4,417 |
| Cost of funding earning assets | 0.1938% | 5,030 |
| Net interest margin | 3.4081% | 3,629 |
| Noninterest income to average assets | 0.3250% | 4,217 |
| Noninterest expense to average assets | 2.0043% | 5,041 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1051% | 1,847 |
| Return on assets (ROA) | 1.1051% | 1,888 |
| Pretax return on assets | 1.5601% | 1,338 |
| Return on Equity (ROE) | 10.5905% | 1,700 |
| Retained earnings to average equity (ytd only) | 10.5905% | 677 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2310% | 4,913 |
| Assets per employee ($millions) | 4.7239% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,593 |
| Loan loss allowance to noncurrent loans | 101.2500% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 2,733 |
| Noncurrent loans to loans | 1.1055% | 1,851 |
| Net loans and leases to total assets | 56.8045% | 4,085 |
| Net loans and leases to deposits | 64.4384% | 4,286 |
| Net loans and leases to core deposits | 64.4384% | 4,513 |
| Total domestic deposits to total assets | 88.1533% | 1,620 |
| Equity capital to assets | 10.3331% | 3,373 |
| Core capital (leverage) ratio | 10.1132% | 3,361 |
| Tier 1 risk-based capital ratio | 15.5476% | 2,736 |
| Total risk-based capital ratio | 16.5153% | 2,785 |
| Memoranda: | ||
| Average total assets | $36,920,000 | 5,547 |
| Average earning assets | $35,092,500 | 5,510 |
| Average equity | $3,852,500 | 5,603 |
| Average total loans | $21,352,000 | 5,425 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5748% | 4,580 |
| Cost of funding earning assets | 0.1631% | 5,335 |
| Net interest margin | 3.4117% | 3,781 |
| Noninterest income to average assets | 0.1985% | 5,222 |
| Noninterest expense to average assets | 2.0497% | 5,094 |
| Loan and lease loss provision to assets | 0.0272% | 3,812 |
| Net operating income to assets | 0.8183% | 3,218 |
| Return on assets (ROA) | 0.8183% | 3,324 |
| Pretax return on assets | 1.3620% | 2,059 |
| Return on Equity (ROE) | 7.9186% | 2,987 |
| Retained earnings to average equity (ytd only) | 3.9724% | 3,094 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6047% | 4,643 |
| Assets per employee ($millions) | 4.5061% | 3,101 |
| Cash dividends to net income (ytd only)* | 49.8339% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 3,384 |
| Loan loss allowance to noncurrent loans | 125.2577% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 3,126 |
| Noncurrent loans to loans | 0.9241% | 2,250 |
| Net loans and leases to total assets | 57.5633% | 4,113 |
| Net loans and leases to deposits | 65.7822% | 4,261 |
| Net loans and leases to core deposits | 65.7822% | 4,539 |
| Total domestic deposits to total assets | 87.5059% | 1,877 |
| Equity capital to assets | 10.5412% | 3,105 |
| Core capital (leverage) ratio | 10.1927% | 3,232 |
| Tier 1 risk-based capital ratio | 15.1129% | 2,919 |
| Total risk-based capital ratio | 16.0785% | 2,982 |
| Memoranda: | ||
| Average total assets | $36,785,000 | 5,601 |
| Average earning assets | $34,938,800 | 5,571 |
| Average equity | $3,801,200 | 5,665 |
| Average total loans | $21,045,600 | 5,487 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5481% | 4,685 |
| Cost of funding earning assets | 0.1632% | 5,395 |
| Net interest margin | 3.3849% | 3,909 |
| Noninterest income to average assets | 0.2092% | 5,216 |
| Noninterest expense to average assets | 1.8501% | 5,459 |
| Loan and lease loss provision to assets | 0.0361% | 3,527 |
| Net operating income to assets | 0.9629% | 2,604 |
| Return on assets (ROA) | 0.9629% | 2,741 |
| Pretax return on assets | 1.5400% | 1,571 |
| Return on Equity (ROE) | 9.3645% | 2,327 |
| Retained earnings to average equity (ytd only) | 9.3645% | 721 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0000% | 5,242 |
| Assets per employee ($millions) | 4.4868% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 3,722 |
| Loan loss allowance to noncurrent loans | 258.5106% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 4,397 |
| Noncurrent loans to loans | 0.4340% | 3,730 |
| Net loans and leases to total assets | 59.6674% | 3,923 |
| Net loans and leases to deposits | 68.8760% | 4,078 |
| Net loans and leases to core deposits | 68.8760% | 4,405 |
| Total domestic deposits to total assets | 86.6301% | 2,068 |
| Equity capital to assets | 10.9628% | 3,053 |
| Core capital (leverage) ratio | 10.8197% | 2,658 |
| Tier 1 risk-based capital ratio | 14.9238% | 3,087 |
| Total risk-based capital ratio | 15.8492% | 3,175 |
| Memoranda: | ||
| Average total assets | $36,969,000 | 5,655 |
| Average earning assets | $35,135,750 | 5,618 |
| Average equity | $3,801,500 | 5,728 |
| Average total loans | $21,058,500 | 5,533 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5005% | 4,859 |
| Cost of funding earning assets | 0.1524% | 5,529 |
| Net interest margin | 3.3481% | 4,065 |
| Noninterest income to average assets | 0.1982% | 5,310 |
| Noninterest expense to average assets | 1.8914% | 5,465 |
| Loan and lease loss provision to assets | 0.0375% | 3,408 |
| Net operating income to assets | 0.9216% | 2,760 |
| Return on assets (ROA) | 0.9216% | 2,897 |
| Pretax return on assets | 1.4467% | 1,850 |
| Return on Equity (ROE) | 9.1562% | 2,428 |
| Retained earnings to average equity (ytd only) | 9.1562% | 808 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0317% | 5,144 |
| Assets per employee ($millions) | 4.5090% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 3,843 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 5,455 |
| Noncurrent loans to loans | 0.0560% | 5,234 |
| Net loans and leases to total assets | 58.7575% | 4,046 |
| Net loans and leases to deposits | 67.7178% | 4,205 |
| Net loans and leases to core deposits | 67.7178% | 4,497 |
| Total domestic deposits to total assets | 86.7681% | 2,028 |
| Equity capital to assets | 10.6592% | 3,458 |
| Core capital (leverage) ratio | 10.3013% | 3,197 |
| Tier 1 risk-based capital ratio | 14.7481% | 3,184 |
| Total risk-based capital ratio | 15.6739% | 3,293 |
| Memoranda: | ||
| Average total assets | $37,327,330 | 5,715 |
| Average earning assets | $35,423,330 | 5,680 |
| Average equity | $3,757,000 | 5,799 |
| Average total loans | $20,858,000 | 5,603 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4486% | 5,007 |
| Cost of funding earning assets | 0.1562% | 5,564 |
| Net interest margin | 3.2924% | 4,248 |
| Noninterest income to average assets | 0.2213% | 5,153 |
| Noninterest expense to average assets | 1.9181% | 5,499 |
| Loan and lease loss provision to assets | 0.0211% | 3,410 |
| Net operating income to assets | 0.9696% | 2,416 |
| Return on assets (ROA) | 0.9696% | 2,526 |
| Pretax return on assets | 1.3911% | 1,933 |
| Return on Equity (ROE) | 9.9111% | 2,021 |
| Retained earnings to average equity (ytd only) | 9.9111% | 864 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5949% | 5,046 |
| Assets per employee ($millions) | 4.5819% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 3,890 |
| Loan loss allowance to noncurrent loans | 602.5641% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 5,151 |
| Noncurrent loans to loans | 0.1874% | 4,737 |
| Net loans and leases to total assets | 56.1315% | 4,243 |
| Net loans and leases to deposits | 63.5816% | 4,470 |
| Net loans and leases to core deposits | 63.5816% | 4,722 |
| Total domestic deposits to total assets | 88.2826% | 1,483 |
| Equity capital to assets | 10.2824% | 3,765 |
| Core capital (leverage) ratio | 9.9535% | 3,594 |
| Tier 1 risk-based capital ratio | 14.6312% | 3,322 |
| Total risk-based capital ratio | 15.5435% | 3,432 |
| Memoranda: | ||
| Average total assets | $37,955,000 | 5,759 |
| Average earning assets | $35,840,500 | 5,720 |
| Average equity | $3,713,000 | 5,855 |
| Average total loans | $20,569,500 | 5,662 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2913% | 5,360 |
| Cost of funding earning assets | 0.1122% | 5,916 |
| Net interest margin | 3.1791% | 4,688 |
| Noninterest income to average assets | 0.2072% | 5,355 |
| Noninterest expense to average assets | 1.9918% | 5,468 |
| Loan and lease loss provision to assets | 0.0239% | 3,908 |
| Net operating income to assets | 0.7941% | 3,364 |
| Return on assets (ROA) | 0.7941% | 3,443 |
| Pretax return on assets | 1.2004% | 2,657 |
| Return on Equity (ROE) | 8.2206% | 2,826 |
| Retained earnings to average equity (ytd only) | 4.0966% | 3,091 |
| Net charge-offs to loans | 0.0208% | 3,850 |
| Credit loss provision to net charge-offs | 225.0000% | 1,261 |
| Earnings coverage of net charge-offs (x) | 115.2500% | 520 |
| Efficiency ratio | 61.9323% | 4,614 |
| Assets per employee ($millions) | 4.9069% | 2,462 |
| Cash dividends to net income (ytd only)* | 50.1672% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 3,775 |
| Loan loss allowance to noncurrent loans | 1,370.5882% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 5,506 |
| Noncurrent loans to loans | 0.0836% | 5,166 |
| Net loans and leases to total assets | 51.1935% | 4,755 |
| Net loans and leases to deposits | 57.5371% | 4,943 |
| Net loans and leases to core deposits | 57.5371% | 5,130 |
| Total domestic deposits to total assets | 88.9747% | 1,125 |
| Equity capital to assets | 9.3160% | 4,772 |
| Core capital (leverage) ratio | 9.4680% | 4,226 |
| Tier 1 risk-based capital ratio | 15.8325% | 2,770 |
| Total risk-based capital ratio | 16.8413% | 2,821 |
| Memoranda: | ||
| Average total assets | $37,653,800 | 5,810 |
| Average earning assets | $35,639,000 | 5,773 |
| Average equity | $3,637,200 | 5,911 |
| Average total loans | $19,250,400 | 5,750 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2744% | 5,453 |
| Cost of funding earning assets | 0.1098% | 6,018 |
| Net interest margin | 3.1647% | 4,787 |
| Noninterest income to average assets | 0.2183% | 5,350 |
| Noninterest expense to average assets | 1.8074% | 5,767 |
| Loan and lease loss provision to assets | 0.0322% | 3,593 |
| Net operating income to assets | 0.8733% | 3,074 |
| Return on assets (ROA) | 0.8733% | 3,157 |
| Pretax return on assets | 1.3708% | 2,134 |
| Return on Equity (ROE) | 8.9567% | 2,597 |
| Retained earnings to average equity (ytd only) | 8.9567% | 924 |
| Net charge-offs to loans | 0.0281% | 3,383 |
| Credit loss provision to net charge-offs | 225.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 98.0582% | 638 |
| Efficiency ratio | 56.2988% | 5,313 |
| Assets per employee ($millions) | 4.6101% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 3,809 |
| Loan loss allowance to noncurrent loans | 728.1250% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 5,399 |
| Noncurrent loans to loans | 0.1609% | 5,004 |
| Net loans and leases to total assets | 53.3093% | 4,639 |
| Net loans and leases to deposits | 60.3172% | 4,833 |
| Net loans and leases to core deposits | 60.3172% | 5,044 |
| Total domestic deposits to total assets | 88.3816% | 1,353 |
| Equity capital to assets | 10.1950% | 3,942 |
| Core capital (leverage) ratio | 10.1784% | 3,402 |
| Tier 1 risk-based capital ratio | 16.5028% | 2,575 |
| Total risk-based capital ratio | 17.5255% | 2,637 |
| Memoranda: | ||
| Average total assets | $37,253,500 | 5,897 |
| Average earning assets | $35,221,500 | 5,861 |
| Average equity | $3,632,250 | 5,991 |
| Average total loans | $18,980,750 | 5,831 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1783% | 5,653 |
| Cost of funding earning assets | 0.1071% | 6,106 |
| Net interest margin | 3.0713% | 5,038 |
| Noninterest income to average assets | 0.2140% | 5,412 |
| Noninterest expense to average assets | 1.8514% | 5,781 |
| Loan and lease loss provision to assets | 0.0428% | 3,251 |
| Net operating income to assets | 0.8080% | 3,341 |
| Return on assets (ROA) | 0.8080% | 3,443 |
| Pretax return on assets | 1.2360% | 2,621 |
| Return on Equity (ROE) | 8.4130% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.4130% | 1,114 |
| Net charge-offs to loans | 0.0321% | 3,020 |
| Credit loss provision to net charge-offs | 266.6667% | 1,000 |
| Earnings coverage of net charge-offs (x) | 79.6667% | 707 |
| Efficiency ratio | 59.1453% | 5,095 |
| Assets per employee ($millions) | 4.6338% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 3,780 |
| Loan loss allowance to noncurrent loans | 728.1250% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 5,518 |
| Noncurrent loans to loans | 0.1650% | 5,103 |
| Net loans and leases to total assets | 51.6860% | 4,782 |
| Net loans and leases to deposits | 58.1946% | 4,979 |
| Net loans and leases to core deposits | 58.1946% | 5,182 |
| Total domestic deposits to total assets | 88.8158% | 1,239 |
| Equity capital to assets | 9.8732% | 4,184 |
| Core capital (leverage) ratio | 9.5990% | 4,140 |
| Tier 1 risk-based capital ratio | 16.3489% | 2,687 |
| Total risk-based capital ratio | 17.3917% | 2,737 |
| Memoranda: | ||
| Average total assets | $37,377,670 | 5,964 |
| Average earning assets | $35,490,330 | 5,917 |
| Average equity | $3,589,670 | 6,057 |
| Average total loans | $18,676,330 | 5,900 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1065% | 5,775 |
| Cost of funding earning assets | 0.1013% | 6,203 |
| Net interest margin | 3.0052% | 5,202 |
| Noninterest income to average assets | 0.2558% | 5,129 |
| Noninterest expense to average assets | 1.9397% | 5,690 |
| Loan and lease loss provision to assets | 0.0320% | 3,248 |
| Net operating income to assets | 0.8206% | 3,154 |
| Return on assets (ROA) | 0.8206% | 3,282 |
| Pretax return on assets | 1.1297% | 2,950 |
| Return on Equity (ROE) | 8.6651% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.6651% | 1,318 |
| Net charge-offs to loans | 0.0655% | 2,083 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 36.3333% | 1,037 |
| Efficiency ratio | 62.5430% | 4,699 |
| Assets per employee ($millions) | 4.7435% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 3,665 |
| Loan loss allowance to noncurrent loans | 485.1064% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 5,464 |
| Noncurrent loans to loans | 0.2585% | 4,860 |
| Net loans and leases to total assets | 47.3200% | 5,099 |
| Net loans and leases to deposits | 53.0206% | 5,264 |
| Net loans and leases to core deposits | 53.0206% | 5,425 |
| Total domestic deposits to total assets | 89.2484% | 1,115 |
| Equity capital to assets | 9.4788% | 4,772 |
| Core capital (leverage) ratio | 9.2918% | 4,586 |
| Tier 1 risk-based capital ratio | 17.0234% | 2,475 |
| Total risk-based capital ratio | 18.1079% | 2,486 |
| Memoranda: | ||
| Average total assets | $37,531,500 | 6,017 |
| Average earning assets | $35,538,500 | 5,976 |
| Average equity | $3,554,500 | 6,120 |
| Average total loans | $18,318,000 | 5,963 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9941% | 6,069 |
| Cost of funding earning assets | 0.1299% | 6,199 |
| Net interest margin | 2.8641% | 5,712 |
| Noninterest income to average assets | 0.2114% | 5,592 |
| Noninterest expense to average assets | 1.9958% | 5,767 |
| Loan and lease loss provision to assets | 0.0082% | 4,458 |
| Net operating income to assets | 0.6204% | 4,273 |
| Return on assets (ROA) | 0.6204% | 4,379 |
| Pretax return on assets | 0.9307% | 3,777 |
| Return on Equity (ROE) | 6.3994% | 3,955 |
| Retained earnings to average equity (ytd only) | 2.1520% | 4,705 |
| Net charge-offs to loans | -0.0061% | 5,490 |
| Credit loss provision to net charge-offs | -300.0000% | 5,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0075% | 3,901 |
| Assets per employee ($millions) | 4.6394% | 2,812 |
| Cash dividends to net income (ytd only)* | 66.3717% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 3,792 |
| Loan loss allowance to noncurrent loans | 7,600.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 6,044 |
| Noncurrent loans to loans | 0.0163% | 5,838 |
| Net loans and leases to total assets | 49.0987% | 5,053 |
| Net loans and leases to deposits | 55.3000% | 5,224 |
| Net loans and leases to core deposits | 55.3000% | 5,424 |
| Total domestic deposits to total assets | 88.7862% | 1,365 |
| Equity capital to assets | 9.4625% | 4,764 |
| Core capital (leverage) ratio | 9.4447% | 4,311 |
| Tier 1 risk-based capital ratio | 15.4675% | 3,238 |
| Total risk-based capital ratio | 16.4790% | 3,309 |
| Memoranda: | ||
| Average total assets | $36,425,600 | 6,120 |
| Average earning assets | $34,635,200 | 6,075 |
| Average equity | $3,531,600 | 6,175 |
| Average total loans | $16,272,400 | 6,117 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9343% | 6,175 |
| Cost of funding earning assets | 0.1351% | 6,262 |
| Net interest margin | 2.7992% | 5,869 |
| Noninterest income to average assets | 0.2207% | 5,609 |
| Noninterest expense to average assets | 1.8352% | 6,045 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6877% | 4,007 |
| Return on assets (ROA) | 0.6877% | 4,096 |
| Pretax return on assets | 1.0519% | 3,371 |
| Return on Equity (ROE) | 7.0502% | 3,689 |
| Retained earnings to average equity (ytd only) | 7.0502% | 1,794 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5669% | 4,617 |
| Assets per employee ($millions) | 4.4460% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 3,621 |
| Loan loss allowance to noncurrent loans | 3,733.3333% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 6,107 |
| Noncurrent loans to loans | 0.0349% | 5,885 |
| Net loans and leases to total assets | 47.6580% | 5,238 |
| Net loans and leases to deposits | 53.9137% | 5,398 |
| Net loans and leases to core deposits | 53.9137% | 5,571 |
| Total domestic deposits to total assets | 88.3969% | 1,556 |
| Equity capital to assets | 10.2170% | 3,910 |
| Core capital (leverage) ratio | 10.0462% | 3,610 |
| Tier 1 risk-based capital ratio | 16.9149% | 2,643 |
| Total risk-based capital ratio | 17.9689% | 2,673 |
| Memoranda: | ||
| Average total assets | $36,253,250 | 6,194 |
| Average earning assets | $34,533,250 | 6,149 |
| Average equity | $3,536,500 | 6,240 |
| Average total loans | $15,727,750 | 6,206 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8389% | 6,311 |
| Cost of funding earning assets | 0.1376% | 6,325 |
| Net interest margin | 2.7012% | 6,052 |
| Noninterest income to average assets | 0.2412% | 5,468 |
| Noninterest expense to average assets | 1.8804% | 6,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6524% | 4,083 |
| Return on assets (ROA) | 0.6524% | 4,184 |
| Pretax return on assets | 0.9429% | 3,711 |
| Return on Equity (ROE) | 6.7922% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.7922% | 1,874 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6019% | 4,263 |
| Assets per employee ($millions) | 4.4556% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 3,413 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 6,156 |
| Noncurrent loans to loans | 0.0496% | 5,902 |
| Net loans and leases to total assets | 44.6262% | 5,487 |
| Net loans and leases to deposits | 50.3020% | 5,617 |
| Net loans and leases to core deposits | 50.3020% | 5,777 |
| Total domestic deposits to total assets | 88.7165% | 1,522 |
| Equity capital to assets | 10.0014% | 4,107 |
| Core capital (leverage) ratio | 9.6647% | 4,091 |
| Tier 1 risk-based capital ratio | 16.2559% | 2,954 |
| Total risk-based capital ratio | 17.2885% | 3,001 |
| Memoranda: | ||
| Average total assets | $36,481,670 | 6,252 |
| Average earning assets | $34,873,000 | 6,195 |
| Average equity | $3,504,000 | 6,292 |
| Average total loans | $15,245,330 | 6,279 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7949% | 6,403 |
| Cost of funding earning assets | 0.1363% | 6,419 |
| Net interest margin | 2.6585% | 6,164 |
| Noninterest income to average assets | 0.2818% | 5,116 |
| Noninterest expense to average assets | 1.9512% | 5,976 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6829% | 3,765 |
| Return on assets (ROA) | 0.6829% | 3,843 |
| Pretax return on assets | 0.8672% | 3,836 |
| Return on Equity (ROE) | 7.2549% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.2549% | 1,922 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 3,960 |
| Assets per employee ($millions) | 4.5866% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 2,940 |
| Loan loss allowance to noncurrent loans | 7,466.6667% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 6,313 |
| Noncurrent loans to loans | 0.0207% | 6,105 |
| Net loans and leases to total assets | 38.8330% | 5,884 |
| Net loans and leases to deposits | 43.5004% | 5,998 |
| Net loans and leases to core deposits | 43.5004% | 6,095 |
| Total domestic deposits to total assets | 89.2704% | 1,495 |
| Equity capital to assets | 9.5550% | 4,419 |
| Core capital (leverage) ratio | 9.3038% | 4,570 |
| Tier 1 risk-based capital ratio | 18.2867% | 2,178 |
| Total risk-based capital ratio | 19.4663% | 2,169 |
| Memoranda: | ||
| Average total assets | $36,900,000 | 6,303 |
| Average earning assets | $35,207,500 | 6,247 |
| Average equity | $3,473,500 | 6,347 |
| Average total loans | $14,802,500 | 6,355 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5664% | 6,596 |
| Cost of funding earning assets | 0.1703% | 6,439 |
| Net interest margin | 2.3961% | 6,448 |
| Noninterest income to average assets | 0.2208% | 5,756 |
| Noninterest expense to average assets | 1.9160% | 6,167 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4388% | 4,994 |
| Return on assets (ROA) | 0.4388% | 5,119 |
| Pretax return on assets | 0.5669% | 4,981 |
| Return on Equity (ROE) | 4.6537% | 4,814 |
| Retained earnings to average equity (ytd only) | 1.7632% | 4,978 |
| Net charge-offs to loans | 0.0158% | 5,129 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 452 |
| Efficiency ratio | 77.1679% | 2,596 |
| Assets per employee ($millions) | 4.6384% | 2,673 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 3,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 40.1757% | 5,949 |
| Net loans and leases to deposits | 44.9795% | 6,073 |
| Net loans and leases to core deposits | 44.9795% | 6,185 |
| Total domestic deposits to total assets | 89.3201% | 1,423 |
| Equity capital to assets | 9.2732% | 4,718 |
| Core capital (leverage) ratio | 9.1922% | 4,732 |
| Tier 1 risk-based capital ratio | 15.8646% | 3,167 |
| Total risk-based capital ratio | 16.9068% | 3,234 |
| Memoranda: | ||
| Average total assets | $36,690,600 | 6,373 |
| Average earning assets | $34,639,600 | 6,332 |
| Average equity | $3,459,600 | 6,440 |
| Average total loans | $12,655,400 | 6,495 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5121% | 6,691 |
| Cost of funding earning assets | 0.1861% | 6,471 |
| Net interest margin | 2.3260% | 6,570 |
| Noninterest income to average assets | 0.2223% | 5,835 |
| Noninterest expense to average assets | 1.7565% | 6,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4592% | 4,981 |
| Return on assets (ROA) | 0.4592% | 5,126 |
| Pretax return on assets | 0.6523% | 4,847 |
| Return on Equity (ROE) | 4.8495% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.8495% | 3,193 |
| Net charge-offs to loans | 0.0222% | 4,686 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 89.3858% | 540 |
| Efficiency ratio | 72.9198% | 3,236 |
| Assets per employee ($millions) | 4.3710% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 3,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 39.8278% | 6,044 |
| Net loans and leases to deposits | 44.8795% | 6,162 |
| Net loans and leases to core deposits | 44.8795% | 6,256 |
| Total domestic deposits to total assets | 88.7440% | 1,697 |
| Equity capital to assets | 10.0406% | 3,844 |
| Core capital (leverage) ratio | 9.8574% | 3,881 |
| Tier 1 risk-based capital ratio | 18.0637% | 2,300 |
| Total risk-based capital ratio | 19.2280% | 2,296 |
| Memoranda: | ||
| Average total assets | $36,586,500 | 6,444 |
| Average earning assets | $34,393,250 | 6,408 |
| Average equity | $3,464,250 | 6,515 |
| Average total loans | $12,036,250 | 6,587 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3740% | 6,780 |
| Cost of funding earning assets | 0.1844% | 6,552 |
| Net interest margin | 2.1897% | 6,686 |
| Noninterest income to average assets | 0.2155% | 5,900 |
| Noninterest expense to average assets | 1.7777% | 6,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3879% | 5,258 |
| Return on assets (ROA) | 0.3879% | 5,423 |
| Pretax return on assets | 0.4848% | 5,418 |
| Return on Equity (ROE) | 4.1755% | 5,145 |
| Retained earnings to average equity (ytd only) | 4.1755% | 3,632 |
| Net charge-offs to loans | 0.0353% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 854 |
| Efficiency ratio | 78.5714% | 2,373 |
| Assets per employee ($millions) | 4.3844% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7285% | 2,678 |
| 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 | 36.3079% | 6,280 |
| Net loans and leases to deposits | 40.7885% | 6,375 |
| Net loans and leases to core deposits | 40.7885% | 6,438 |
| Total domestic deposits to total assets | 89.0150% | 1,627 |
| Equity capital to assets | 9.8446% | 4,132 |
| Core capital (leverage) ratio | 9.1788% | 4,728 |
| Tier 1 risk-based capital ratio | 19.0563% | 1,983 |
| Total risk-based capital ratio | 20.3038% | 1,943 |
| Memoranda: | ||
| Average total assets | $37,126,000 | 6,481 |
| Average earning assets | $34,708,670 | 6,439 |
| Average equity | $3,448,670 | 6,568 |
| Average total loans | $11,331,330 | 6,659 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2558% | 6,880 |
| Cost of funding earning assets | 0.1908% | 6,620 |
| Net interest margin | 2.0650% | 6,826 |
| Noninterest income to average assets | 0.2307% | 5,808 |
| Noninterest expense to average assets | 1.6670% | 6,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4403% | 4,958 |
| Return on assets (ROA) | 0.4403% | 5,120 |
| Pretax return on assets | 0.4928% | 5,284 |
| Return on Equity (ROE) | 4.8745% | 4,648 |
| Retained earnings to average equity (ytd only) | 4.8745% | 3,313 |
| Net charge-offs to loans | 0.0761% | 3,084 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,104 |
| Efficiency ratio | 77.1845% | 2,729 |
| Assets per employee ($millions) | 4.6733% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0050% | 2,028 |
| Loan loss allowance to noncurrent loans | 7,466.6667% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 6,606 |
| Noncurrent loans to loans | 0.0269% | 6,412 |
| Net loans and leases to total assets | 29.2837% | 6,631 |
| Net loans and leases to deposits | 32.6465% | 6,672 |
| Net loans and leases to core deposits | 32.6465% | 6,703 |
| Total domestic deposits to total assets | 89.6994% | 1,232 |
| Equity capital to assets | 9.2655% | 5,182 |
| Core capital (leverage) ratio | 8.9058% | 5,048 |
| Tier 1 risk-based capital ratio | 20.3584% | 1,686 |
| Total risk-based capital ratio | 21.6189% | 1,658 |
| Memoranda: | ||
| Average total assets | $38,151,500 | 6,513 |
| Average earning assets | $35,642,000 | 6,476 |
| Average equity | $3,446,500 | 6,632 |
| Average total loans | $10,517,500 | 6,748 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9299% | 6,807 |
| Cost of funding earning assets | 0.3143% | 6,385 |
| Net interest margin | 2.6157% | 6,622 |
| Noninterest income to average assets | 0.2341% | 5,769 |
| Noninterest expense to average assets | 2.0385% | 6,261 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4882% | 4,725 |
| Return on assets (ROA) | 0.4882% | 4,983 |
| Pretax return on assets | 0.6195% | 4,935 |
| Return on Equity (ROE) | 4.9371% | 4,703 |
| Retained earnings to average equity (ytd only) | 2.0499% | 4,785 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6917% | 2,637 |
| Assets per employee ($millions) | 4.8646% | 2,398 |
| Cash dividends to net income (ytd only)* | 58.4795% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2914% | 1,388 |
| 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 | 24.7630% | 6,842 |
| Net loans and leases to deposits | 27.5272% | 6,885 |
| Net loans and leases to core deposits | 27.7252% | 6,889 |
| Total domestic deposits to total assets | 89.9581% | 971 |
| Equity capital to assets | 8.8111% | 5,737 |
| Core capital (leverage) ratio | 8.8089% | 5,167 |
| Tier 1 risk-based capital ratio | 21.0972% | 1,435 |
| Total risk-based capital ratio | 22.3511% | 1,407 |
| Memoranda: | ||
| Average total assets | $35,025,600 | 6,626 |
| Average earning assets | $32,458,200 | 6,594 |
| Average equity | $3,463,600 | 6,698 |
| Average total loans | $10,722,200 | 6,818 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1115% | 6,847 |
| Cost of funding earning assets | 0.3382% | 6,428 |
| Net interest margin | 2.7733% | 6,547 |
| Noninterest income to average assets | 0.2388% | 5,842 |
| Noninterest expense to average assets | 1.9186% | 6,491 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6304% | 4,237 |
| Return on assets (ROA) | 0.6304% | 4,493 |
| Pretax return on assets | 0.8888% | 4,159 |
| Return on Equity (ROE) | 6.1822% | 4,241 |
| Retained earnings to average equity (ytd only) | 6.1822% | 2,577 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3403% | 3,993 |
| Assets per employee ($millions) | 4.1564% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0905% | 1,928 |
| 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 | 31.8336% | 6,753 |
| Net loans and leases to deposits | 36.0832% | 6,812 |
| Net loans and leases to core deposits | 36.0832% | 6,852 |
| Total domestic deposits to total assets | 88.2229% | 1,895 |
| Equity capital to assets | 10.6313% | 3,694 |
| Core capital (leverage) ratio | 10.3576% | 3,092 |
| Tier 1 risk-based capital ratio | 21.0619% | 1,509 |
| Total risk-based capital ratio | 22.2872% | 1,483 |
| Memoranda: | ||
| Average total assets | $34,052,750 | 6,737 |
| Average earning assets | $31,538,250 | 6,706 |
| Average equity | $3,472,250 | 6,775 |
| Average total loans | $10,937,000 | 6,900 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1650% | 6,898 |
| Cost of funding earning assets | 0.3783% | 6,387 |
| Net interest margin | 2.7867% | 6,602 |
| Noninterest income to average assets | 0.2564% | 5,746 |
| Noninterest expense to average assets | 1.9347% | 6,539 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6760% | 3,994 |
| Return on assets (ROA) | 0.6760% | 4,257 |
| Pretax return on assets | 0.8974% | 4,086 |
| Return on Equity (ROE) | 6.7220% | 3,928 |
| Retained earnings to average equity (ytd only) | 6.7220% | 2,260 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3128% | 4,065 |
| Assets per employee ($millions) | 4.2296% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1456% | 1,897 |
| 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 | 30.4607% | 6,863 |
| Net loans and leases to deposits | 34.4037% | 6,911 |
| Net loans and leases to core deposits | 34.4037% | 6,950 |
| Total domestic deposits to total assets | 88.5392% | 1,796 |
| Equity capital to assets | 10.3555% | 3,870 |
| Core capital (leverage) ratio | 9.8215% | 3,683 |
| Tier 1 risk-based capital ratio | 21.3414% | 1,417 |
| Total risk-based capital ratio | 22.5928% | 1,393 |
| Memoranda: | ||
| Average total assets | $34,320,000 | 6,779 |
| Average earning assets | $31,722,330 | 6,746 |
| Average equity | $3,451,330 | 6,822 |
| Average total loans | $10,979,000 | 6,965 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2605% | 6,916 |
| Cost of funding earning assets | 0.3903% | 6,457 |
| Net interest margin | 2.8702% | 6,524 |
| Noninterest income to average assets | 0.3125% | 5,385 |
| Noninterest expense to average assets | 2.0717% | 6,332 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7060% | 3,859 |
| Return on assets (ROA) | 0.7060% | 4,078 |
| Pretax return on assets | 0.8796% | 4,111 |
| Return on Equity (ROE) | 7.1241% | 3,708 |
| Retained earnings to average equity (ytd only) | 7.1241% | 2,367 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1961% | 3,775 |
| Assets per employee ($millions) | 4.3990% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1259% | 2,035 |
| 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 | 29.5664% | 6,925 |
| Net loans and leases to deposits | 33.5472% | 6,963 |
| Net loans and leases to core deposits | 33.5472% | 7,005 |
| Total domestic deposits to total assets | 88.1337% | 2,226 |
| Equity capital to assets | 9.7948% | 4,379 |
| Core capital (leverage) ratio | 9.3140% | 4,339 |
| Tier 1 risk-based capital ratio | 18.9323% | 2,014 |
| Total risk-based capital ratio | 20.1851% | 1,968 |
| Memoranda: | ||
| Average total assets | $34,561,500 | 6,831 |
| Average earning assets | $31,774,500 | 6,801 |
| Average equity | $3,425,000 | 6,867 |
| Average total loans | $11,202,000 | 7,017 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7514% | 6,789 |
| Cost of funding earning assets | 0.6054% | 6,066 |
| Net interest margin | 3.1460% | 6,229 |
| Noninterest income to average assets | 0.6264% | 3,028 |
| Noninterest expense to average assets | 2.1547% | 6,376 |
| Loan and lease loss provision to assets | 0.0212% | 6,306 |
| Net operating income to assets | 1.0380% | 2,052 |
| Return on assets (ROA) | 1.0380% | 2,204 |
| Pretax return on assets | 1.3285% | 2,023 |
| Return on Equity (ROE) | 10.0006% | 2,061 |
| Retained earnings to average equity (ytd only) | 3.4404% | 3,776 |
| Net charge-offs to loans | 0.0655% | 5,652 |
| Credit loss provision to net charge-offs | 87.5000% | 4,126 |
| Earnings coverage of net charge-offs (x) | 55.7500% | 511 |
| Efficiency ratio | 61.4853% | 5,538 |
| Assets per employee ($millions) | 4.2414% | 3,389 |
| Cash dividends to net income (ytd only)* | 65.5977% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9196% | 2,508 |
| 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 | 34.0308% | 6,871 |
| Net loans and leases to deposits | 38.5736% | 6,934 |
| Net loans and leases to core deposits | 38.5736% | 6,983 |
| Total domestic deposits to total assets | 88.2232% | 2,012 |
| Equity capital to assets | 10.0292% | 4,132 |
| Core capital (leverage) ratio | 9.3569% | 4,242 |
| Tier 1 risk-based capital ratio | 17.8199% | 2,257 |
| Total risk-based capital ratio | 19.0425% | 2,242 |
| Memoranda: | ||
| Average total assets | $33,043,600 | 6,892 |
| Average earning assets | $30,228,400 | 6,864 |
| Average equity | $3,429,800 | 6,901 |
| Average total loans | $12,208,200 | 7,025 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8266% | 6,813 |
| Cost of funding earning assets | 0.6481% | 6,045 |
| Net interest margin | 3.1785% | 6,206 |
| Noninterest income to average assets | 0.7515% | 2,304 |
| Noninterest expense to average assets | 1.9539% | 6,776 |
| Loan and lease loss provision to assets | 0.0284% | 6,081 |
| Net operating income to assets | 1.2552% | 1,502 |
| Return on assets (ROA) | 1.2552% | 1,606 |
| Pretax return on assets | 1.6777% | 1,187 |
| Return on Equity (ROE) | 11.9887% | 1,556 |
| Retained earnings to average equity (ytd only) | 11.9887% | 499 |
| Net charge-offs to loans | 0.0866% | 5,105 |
| Credit loss provision to net charge-offs | 87.5000% | 3,870 |
| Earnings coverage of net charge-offs (x) | 52.4827% | 624 |
| Efficiency ratio | 53.3851% | 6,554 |
| Assets per employee ($millions) | 4.1845% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8706% | 2,716 |
| Loan loss allowance to noncurrent loans | 982.6087% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 6,880 |
| Noncurrent loans to loans | 0.1904% | 6,487 |
| Net loans and leases to total assets | 35.4164% | 6,892 |
| Net loans and leases to deposits | 40.2321% | 6,971 |
| Net loans and leases to core deposits | 40.2321% | 7,034 |
| Total domestic deposits to total assets | 88.0302% | 2,017 |
| Equity capital to assets | 10.7988% | 3,359 |
| Core capital (leverage) ratio | 9.7360% | 3,797 |
| Tier 1 risk-based capital ratio | 21.1391% | 1,428 |
| Total risk-based capital ratio | 22.3887% | 1,405 |
| Memoranda: | ||
| Average total assets | $32,821,750 | 6,960 |
| Average earning assets | $30,034,750 | 6,935 |
| Average equity | $3,436,500 | 6,953 |
| Average total loans | $12,317,000 | 7,087 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8867% | 6,822 |
| Cost of funding earning assets | 0.6871% | 6,031 |
| Net interest margin | 3.1996% | 6,162 |
| Noninterest income to average assets | 0.3374% | 5,188 |
| Noninterest expense to average assets | 2.0243% | 6,739 |
| Loan and lease loss provision to assets | 0.0429% | 5,776 |
| Net operating income to assets | 0.8711% | 2,765 |
| Return on assets (ROA) | 0.8711% | 2,858 |
| Pretax return on assets | 1.1839% | 2,544 |
| Return on Equity (ROE) | 8.4098% | 2,763 |
| Retained earnings to average equity (ytd only) | 8.4098% | 1,298 |
| Net charge-offs to loans | 0.1291% | 4,446 |
| Credit loss provision to net charge-offs | 87.5000% | 3,531 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,049 |
| Efficiency ratio | 62.2642% | 5,550 |
| Assets per employee ($millions) | 4.0236% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8189% | 2,923 |
| 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 | 37.8980% | 6,865 |
| Net loans and leases to deposits | 43.0042% | 6,955 |
| Net loans and leases to core deposits | 43.0042% | 7,041 |
| Total domestic deposits to total assets | 88.1264% | 2,060 |
| Equity capital to assets | 10.7490% | 3,230 |
| Core capital (leverage) ratio | 10.0729% | 3,171 |
| Tier 1 risk-based capital ratio | 17.4356% | 2,364 |
| Total risk-based capital ratio | 18.6232% | 2,361 |
| Memoranda: | ||
| Average total assets | $32,603,670 | 7,025 |
| Average earning assets | $29,691,000 | 7,010 |
| Average equity | $3,377,000 | 7,020 |
| Average total loans | $12,395,330 | 7,151 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8396% | 6,900 |
| Cost of funding earning assets | 0.7091% | 6,087 |
| Net interest margin | 3.1305% | 6,265 |
| Noninterest income to average assets | 0.3413% | 5,183 |
| Noninterest expense to average assets | 2.1090% | 6,616 |
| Loan and lease loss provision to assets | 0.0853% | 4,935 |
| Net operating income to assets | 0.8412% | 2,819 |
| Return on assets (ROA) | 0.8412% | 2,878 |
| Pretax return on assets | 0.9997% | 3,131 |
| Return on Equity (ROE) | 8.2746% | 2,786 |
| Retained earnings to average equity (ytd only) | 8.2746% | 1,624 |
| Net charge-offs to loans | 0.2262% | 3,182 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 12.7143% | 1,484 |
| Efficiency ratio | 66.0305% | 5,035 |
| Assets per employee ($millions) | 4.6790% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8633% | 2,814 |
| Loan loss allowance to noncurrent loans | 229.2929% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 6,443 |
| Noncurrent loans to loans | 0.8126% | 5,408 |
| Net loans and leases to total assets | 36.5035% | 6,982 |
| Net loans and leases to deposits | 41.1665% | 7,058 |
| Net loans and leases to core deposits | 41.1665% | 7,129 |
| Total domestic deposits to total assets | 88.6728% | 1,975 |
| Equity capital to assets | 10.2678% | 3,448 |
| Core capital (leverage) ratio | 9.4162% | 3,936 |
| Tier 1 risk-based capital ratio | 17.2753% | 2,383 |
| Total risk-based capital ratio | 18.4838% | 2,373 |
| Memoranda: | ||
| Average total assets | $32,811,000 | 7,077 |
| Average earning assets | $29,899,000 | 7,050 |
| Average equity | $3,335,500 | 7,065 |
| Average total loans | $12,380,500 | 7,206 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 6,461 |
| Cost of funding earning assets | 0.9461% | 5,953 |
| Net interest margin | 3.5272% | 5,123 |
| Noninterest income to average assets | 0.4019% | 4,895 |
| Noninterest expense to average assets | 2.1487% | 6,733 |
| Loan and lease loss provision to assets | 0.0907% | 6,233 |
| Net operating income to assets | 0.9690% | 2,133 |
| Return on assets (ROA) | 0.9690% | 2,255 |
| Pretax return on assets | 1.3644% | 1,753 |
| Return on Equity (ROE) | 8.7483% | 2,401 |
| Retained earnings to average equity (ytd only) | 2.1651% | 4,377 |
| Net charge-offs to loans | 0.2205% | 4,969 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 16.0357% | 1,244 |
| Efficiency ratio | 59.6223% | 6,101 |
| Assets per employee ($millions) | 4.6956% | 2,564 |
| Cash dividends to net income (ytd only)* | 75.2508% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8047% | 2,846 |
| Loan loss allowance to noncurrent loans | 257.9545% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 6,461 |
| Noncurrent loans to loans | 0.6996% | 5,652 |
| Net loans and leases to total assets | 37.5764% | 7,093 |
| Net loans and leases to deposits | 42.5955% | 7,166 |
| Net loans and leases to core deposits | 42.5955% | 7,241 |
| Total domestic deposits to total assets | 88.2169% | 2,113 |
| Equity capital to assets | 10.0642% | 3,670 |
| Core capital (leverage) ratio | 9.6352% | 3,506 |
| Tier 1 risk-based capital ratio | 16.5167% | 2,514 |
| Total risk-based capital ratio | 17.6975% | 2,515 |
| Memoranda: | ||
| Average total assets | $30,855,400 | 7,178 |
| Average earning assets | $28,011,200 | 7,162 |
| Average equity | $3,417,800 | 7,155 |
| Average total loans | $12,699,000 | 7,267 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5987% | 6,336 |
| Cost of funding earning assets | 0.9913% | 5,974 |
| Net interest margin | 3.6074% | 4,838 |
| Noninterest income to average assets | 0.4041% | 4,929 |
| Noninterest expense to average assets | 1.9504% | 7,134 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1685% | 1,680 |
| Return on assets (ROA) | 1.1685% | 1,776 |
| Pretax return on assets | 1.7308% | 1,051 |
| Return on Equity (ROE) | 10.2942% | 2,008 |
| Retained earnings to average equity (ytd only) | 10.2942% | 729 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9833% | 6,890 |
| Assets per employee ($millions) | 4.3183% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 2,989 |
| Loan loss allowance to noncurrent loans | 372.1311% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 6,861 |
| Noncurrent loans to loans | 0.4705% | 6,251 |
| Net loans and leases to total assets | 42.1430% | 6,967 |
| Net loans and leases to deposits | 48.5240% | 7,065 |
| Net loans and leases to core deposits | 48.5240% | 7,182 |
| Total domestic deposits to total assets | 86.8499% | 2,613 |
| Equity capital to assets | 11.8069% | 2,277 |
| Core capital (leverage) ratio | 11.1790% | 2,140 |
| Tier 1 risk-based capital ratio | 18.1544% | 1,985 |
| Total risk-based capital ratio | 19.3780% | 1,949 |
| Memoranda: | ||
| Average total assets | $30,352,000 | 7,280 |
| Average earning assets | $27,572,250 | 7,260 |
| Average equity | $3,445,250 | 7,243 |
| Average total loans | $12,729,250 | 7,364 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5872% | 6,490 |
| Cost of funding earning assets | 1.0218% | 6,046 |
| Net interest margin | 3.5654% | 4,967 |
| Noninterest income to average assets | 0.4211% | 4,742 |
| Noninterest expense to average assets | 1.9873% | 7,134 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1647% | 1,661 |
| Return on assets (ROA) | 1.1647% | 1,718 |
| Pretax return on assets | 1.6714% | 1,114 |
| Return on Equity (ROE) | 10.3995% | 1,965 |
| Retained earnings to average equity (ytd only) | 10.3995% | 766 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3165% | 6,841 |
| Assets per employee ($millions) | 4.2124% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7654% | 2,835 |
| Loan loss allowance to noncurrent loans | 294.8052% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 6,745 |
| Noncurrent loans to loans | 0.5988% | 6,042 |
| Net loans and leases to total assets | 42.8358% | 6,993 |
| Net loans and leases to deposits | 49.3225% | 7,100 |
| Net loans and leases to core deposits | 49.3225% | 7,241 |
| Total domestic deposits to total assets | 86.8484% | 2,623 |
| Equity capital to assets | 11.8256% | 2,201 |
| Core capital (leverage) ratio | 10.8575% | 2,360 |
| Tier 1 risk-based capital ratio | 18.2121% | 1,891 |
| Total risk-based capital ratio | 19.4622% | 1,867 |
| Memoranda: | ||
| Average total assets | $30,393,330 | 7,332 |
| Average earning assets | $27,598,330 | 7,312 |
| Average equity | $3,404,000 | 7,295 |
| Average total loans | $12,650,330 | 7,419 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 6,764 |
| Cost of funding earning assets | 1.0141% | 6,304 |
| Net interest margin | 3.4994% | 5,159 |
| Noninterest income to average assets | 0.4150% | 4,773 |
| Noninterest expense to average assets | 2.0878% | 6,975 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1671% | 1,622 |
| Return on assets (ROA) | 1.1671% | 1,701 |
| Pretax return on assets | 1.5042% | 1,502 |
| Return on Equity (ROE) | 10.7063% | 1,870 |
| Retained earnings to average equity (ytd only) | 10.7063% | 984 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1227% | 6,471 |
| Assets per employee ($millions) | 4.3237% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8523% | 2,570 |
| Loan loss allowance to noncurrent loans | 1,891.6667% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 7,397 |
| Noncurrent loans to loans | 0.0979% | 7,147 |
| Net loans and leases to total assets | 39.7410% | 7,263 |
| Net loans and leases to deposits | 45.4590% | 7,349 |
| Net loans and leases to core deposits | 45.4590% | 7,446 |
| Total domestic deposits to total assets | 87.4215% | 2,402 |
| Equity capital to assets | 11.2205% | 2,566 |
| Core capital (leverage) ratio | 10.1375% | 2,997 |
| Tier 1 risk-based capital ratio | 18.3059% | 1,872 |
| Total risk-based capital ratio | 19.5561% | 1,838 |
| Memoranda: | ||
| Average total assets | $30,846,500 | 7,413 |
| Average earning assets | $28,004,500 | 7,391 |
| Average equity | $3,362,500 | 7,385 |
| Average total loans | $12,546,500 | 7,523 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9671% | 6,535 |
| Cost of funding earning assets | 1.2346% | 6,530 |
| Net interest margin | 3.7326% | 3,989 |
| Noninterest income to average assets | 0.4404% | 4,877 |
| Noninterest expense to average assets | 2.1855% | 7,025 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1855% | 1,284 |
| Return on assets (ROA) | 1.1855% | 1,331 |
| Pretax return on assets | 1.6888% | 803 |
| Return on Equity (ROE) | 10.5362% | 1,541 |
| Retained earnings to average equity (ytd only) | 3.1785% | 2,936 |
| Net charge-offs to loans | 0.0317% | 6,807 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 127.5000% | 223 |
| Efficiency ratio | 56.4103% | 6,963 |
| Assets per employee ($millions) | 4.4896% | 2,945 |
| Cash dividends to net income (ytd only)* | 69.8324% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7682% | 2,648 |
| 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 | 40.1279% | 7,343 |
| Net loans and leases to deposits | 45.9769% | 7,443 |
| Net loans and leases to core deposits | 47.4080% | 7,641 |
| Total domestic deposits to total assets | 87.2785% | 2,342 |
| Equity capital to assets | 10.5928% | 3,076 |
| Core capital (leverage) ratio | 10.1599% | 2,937 |
| Tier 1 risk-based capital ratio | 17.0030% | 2,145 |
| Total risk-based capital ratio | 18.2476% | 2,116 |
| Memoranda: | ||
| Average total assets | $30,199,400 | 7,464 |
| Average earning assets | $27,782,600 | 7,437 |
| Average equity | $3,397,800 | 7,477 |
| Average total loans | $12,629,600 | 7,573 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0286% | 6,516 |
| Cost of funding earning assets | 1.2885% | 6,589 |
| Net interest margin | 3.7401% | 3,910 |
| Noninterest income to average assets | 0.4416% | 4,956 |
| Noninterest expense to average assets | 1.9938% | 7,402 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2846% | 1,257 |
| Return on assets (ROA) | 1.2846% | 1,329 |
| Pretax return on assets | 1.9046% | 654 |
| Return on Equity (ROE) | 11.2442% | 1,559 |
| Retained earnings to average equity (ytd only) | 11.2442% | 444 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1442% | 7,474 |
| Assets per employee ($millions) | 4.1380% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 2,620 |
| Loan loss allowance to noncurrent loans | 256.6667% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 6,707 |
| Noncurrent loans to loans | 0.6632% | 5,976 |
| Net loans and leases to total assets | 46.0505% | 7,107 |
| Net loans and leases to deposits | 53.4822% | 7,240 |
| Net loans and leases to core deposits | 55.9311% | 7,543 |
| Total domestic deposits to total assets | 86.1044% | 2,646 |
| Equity capital to assets | 12.2419% | 2,100 |
| Core capital (leverage) ratio | 11.1277% | 2,311 |
| Tier 1 risk-based capital ratio | 19.0786% | 1,734 |
| Total risk-based capital ratio | 20.3292% | 1,690 |
| Memoranda: | ||
| Average total assets | $29,892,500 | 7,540 |
| Average earning assets | $27,627,750 | 7,509 |
| Average equity | $3,415,000 | 7,540 |
| Average total loans | $12,577,500 | 7,646 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9870% | 6,815 |
| Cost of funding earning assets | 1.3203% | 6,732 |
| Net interest margin | 3.6667% | 4,093 |
| Noninterest income to average assets | 0.4371% | 4,965 |
| Noninterest expense to average assets | 2.0065% | 7,453 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2582% | 1,336 |
| Return on assets (ROA) | 1.2582% | 1,413 |
| Pretax return on assets | 1.8145% | 826 |
| Return on Equity (ROE) | 11.2715% | 1,623 |
| Retained earnings to average equity (ytd only) | 11.2715% | 524 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5130% | 7,475 |
| Assets per employee ($millions) | 4.2650% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8030% | 2,036 |
| 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 | 42.1403% | 7,440 |
| Net loans and leases to deposits | 48.3773% | 7,549 |
| Net loans and leases to core deposits | 51.3154% | 7,730 |
| Total domestic deposits to total assets | 87.1077% | 2,195 |
| Equity capital to assets | 11.4487% | 2,572 |
| Core capital (leverage) ratio | 10.4640% | 2,845 |
| Tier 1 risk-based capital ratio | 17.5361% | 2,137 |
| Total risk-based capital ratio | 18.7879% | 2,094 |
| Memoranda: | ||
| Average total assets | $30,201,330 | 7,598 |
| Average earning assets | $27,872,670 | 7,564 |
| Average equity | $3,371,330 | 7,610 |
| Average total loans | $12,246,670 | 7,743 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9200% | 7,126 |
| Cost of funding earning assets | 1.3405% | 6,905 |
| Net interest margin | 3.5795% | 4,413 |
| Noninterest income to average assets | 0.4346% | 4,922 |
| Noninterest expense to average assets | 1.9490% | 7,449 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3301% | 1,314 |
| Return on assets (ROA) | 1.3301% | 1,413 |
| Pretax return on assets | 1.7910% | 992 |
| Return on Equity (ROE) | 12.0669% | 1,640 |
| Retained earnings to average equity (ytd only) | 12.0669% | 775 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1127% | 7,406 |
| Assets per employee ($millions) | 4.2904% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9240% | 1,571 |
| Loan loss allowance to noncurrent loans | 325.3521% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 6,806 |
| Noncurrent loans to loans | 0.5914% | 5,916 |
| Net loans and leases to total assets | 39.2069% | 7,603 |
| Net loans and leases to deposits | 44.8111% | 7,699 |
| Net loans and leases to core deposits | 48.6389% | 7,818 |
| Total domestic deposits to total assets | 87.4938% | 1,973 |
| Equity capital to assets | 11.3009% | 2,718 |
| Core capital (leverage) ratio | 10.0475% | 3,353 |
| Tier 1 risk-based capital ratio | 17.5432% | 2,175 |
| Total risk-based capital ratio | 18.7926% | 2,115 |
| Memoranda: | ||
| Average total assets | $30,374,500 | 7,637 |
| Average earning assets | $28,049,000 | 7,610 |
| Average equity | $3,348,000 | 7,675 |
| Average total loans | $11,964,000 | 7,803 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4551% | 7,386 |
| Cost of funding earning assets | 1.8614% | 6,845 |
| Net interest margin | 3.5937% | 4,917 |
| Noninterest income to average assets | 0.3177% | 6,183 |
| Noninterest expense to average assets | 2.1793% | 7,018 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0486% | 2,357 |
| Return on assets (ROA) | 1.0486% | 2,254 |
| Pretax return on assets | 1.4688% | 1,768 |
| Return on Equity (ROE) | 9.7017% | 2,361 |
| Retained earnings to average equity (ytd only) | 1.8013% | 4,119 |
| Net charge-offs to loans | 0.0085% | 6,816 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 430.0000% | 121 |
| Efficiency ratio | 59.7378% | 6,399 |
| Assets per employee ($millions) | 4.3880% | 2,813 |
| Cash dividends to net income (ytd only)* | 81.4332% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9376% | 1,345 |
| Loan loss allowance to noncurrent loans | 23,100.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 7,646 |
| Noncurrent loans to loans | 0.0084% | 7,522 |
| Net loans and leases to total assets | 38.0616% | 7,761 |
| Net loans and leases to deposits | 43.8259% | 7,854 |
| Net loans and leases to core deposits | 46.3175% | 7,965 |
| Total domestic deposits to total assets | 86.8472% | 2,007 |
| Equity capital to assets | 10.7501% | 3,251 |
| Core capital (leverage) ratio | 9.8630% | 3,581 |
| Tier 1 risk-based capital ratio | 17.0480% | 2,294 |
| Total risk-based capital ratio | 18.2975% | 2,249 |
| Memoranda: | ||
| Average total assets | $29,276,000 | 7,674 |
| Average earning assets | $27,130,600 | 7,660 |
| Average equity | $3,164,400 | 7,782 |
| Average total loans | $11,792,200 | 7,842 |