Home > Millennium Bank > Performance and Condition Ratios
Millennium Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9589% | 1,022 |
| Cost of funding earning assets | 0.8726% | 1,026 |
| Net interest margin | 4.0863% | 1,668 |
| Noninterest income to average assets | 0.2499% | 4,480 |
| Noninterest expense to average assets | 3.1161% | 1,721 |
| Loan and lease loss provision to assets | 0.0390% | 3,225 |
| Net operating income to assets | 0.8005% | 3,896 |
| Return on assets (ROA) | 0.8005% | 3,902 |
| Pretax return on assets | 0.8435% | 4,184 |
| Return on Equity (ROE) | 5.6071% | 4,386 |
| Retained earnings to average equity (ytd only) | 0.1368% | 5,011 |
| Net charge-offs to loans | 0.1618% | 1,022 |
| Credit loss provision to net charge-offs | 27.0270% | 2,980 |
| Earnings coverage of net charge-offs (x) | 6.1085% | 2,913 |
| Efficiency ratio | 77.9297% | 1,127 |
| Assets per employee ($millions) | 3.6299% | 4,396 |
| Cash dividends to net income (ytd only)* | 97.5597% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 2,252 |
| Loan loss allowance to noncurrent loans | 1,426.9231% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 3,280 |
| Noncurrent loans to loans | 0.0891% | 4,486 |
| Net loans and leases to total assets | 88.2059% | 135 |
| Net loans and leases to deposits | 115.1949% | 160 |
| Net loans and leases to core deposits | 130.8034% | 316 |
| Total domestic deposits to total assets | 76.5711% | 4,711 |
| Equity capital to assets | 15.0693% | 700 |
| Core capital (leverage) ratio | 14.5358% | 810 |
| Tier 1 risk-based capital ratio | 18.9631% | 1,543 |
| Total risk-based capital ratio | 20.2149% | 1,513 |
| Memoranda: | ||
| Average total assets | $34,143,750 | 5,255 |
| Average earning assets | $31,323,500 | 5,249 |
| Average equity | $4,874,750 | 5,127 |
| Average total loans | $30,495,750 | 4,857 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 925 |
| Cost of funding earning assets | 0.7859% | 1,196 |
| Net interest margin | 4.1623% | 1,371 |
| Noninterest income to average assets | 0.2425% | 4,560 |
| Noninterest expense to average assets | 3.1528% | 1,655 |
| Loan and lease loss provision to assets | 0.0577% | 2,751 |
| Net operating income to assets | 0.8084% | 3,829 |
| Return on assets (ROA) | 0.8084% | 3,830 |
| Pretax return on assets | 0.8546% | 4,097 |
| Return on Equity (ROE) | 5.7629% | 4,325 |
| Retained earnings to average equity (ytd only) | -2.4698% | 5,185 |
| Net charge-offs to loans | 0.2522% | 631 |
| Credit loss provision to net charge-offs | 25.6410% | 2,653 |
| Earnings coverage of net charge-offs (x) | 4.0513% | 2,827 |
| Efficiency ratio | 77.5568% | 1,238 |
| Assets per employee ($millions) | 3.3961% | 4,720 |
| Cash dividends to net income (ytd only)* | 142.8571% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 2,569 |
| Loan loss allowance to noncurrent loans | 1,366.6667% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 3,505 |
| Noncurrent loans to loans | 0.0897% | 4,511 |
| Net loans and leases to total assets | 87.5269% | 167 |
| Net loans and leases to deposits | 112.9112% | 217 |
| Net loans and leases to core deposits | 131.5440% | 300 |
| Total domestic deposits to total assets | 77.5183% | 4,661 |
| Equity capital to assets | 14.3046% | 861 |
| Core capital (leverage) ratio | 13.8606% | 945 |
| Tier 1 risk-based capital ratio | 18.0999% | 1,772 |
| Total risk-based capital ratio | 19.3480% | 1,733 |
| Memoranda: | ||
| Average total assets | $34,635,330 | 5,315 |
| Average earning assets | $31,809,670 | 5,304 |
| Average equity | $4,858,670 | 5,184 |
| Average total loans | $30,932,000 | 4,900 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 938 |
| Cost of funding earning assets | 0.7839% | 1,024 |
| Net interest margin | 4.0812% | 1,485 |
| Noninterest income to average assets | 0.2516% | 4,500 |
| Noninterest expense to average assets | 2.9966% | 2,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9379% | 3,118 |
| Return on assets (ROA) | 0.9379% | 3,135 |
| Pretax return on assets | 1.0065% | 3,511 |
| Return on Equity (ROE) | 6.7504% | 3,878 |
| Retained earnings to average equity (ytd only) | -9.7139% | 5,365 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8571% | 1,770 |
| Assets per employee ($millions) | 3.5541% | 4,606 |
| Cash dividends to net income (ytd only)* | 243.9024% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 2,421 |
| Loan loss allowance to noncurrent loans | 272.6027% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 3,186 |
| Noncurrent loans to loans | 0.4645% | 3,139 |
| Net loans and leases to total assets | 87.3161% | 173 |
| Net loans and leases to deposits | 111.1577% | 223 |
| Net loans and leases to core deposits | 128.2779% | 368 |
| Total domestic deposits to total assets | 78.5515% | 4,640 |
| Equity capital to assets | 13.5055% | 1,044 |
| Core capital (leverage) ratio | 13.7705% | 927 |
| Tier 1 risk-based capital ratio | 16.8693% | 2,153 |
| Total risk-based capital ratio | 18.1205% | 2,104 |
| Memoranda: | ||
| Average total assets | $34,972,500 | 5,365 |
| Average earning assets | $32,147,500 | 5,348 |
| Average equity | $4,859,000 | 5,237 |
| Average total loans | $31,351,000 | 4,941 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 873 |
| Cost of funding earning assets | 0.7251% | 910 |
| Net interest margin | 4.1350% | 1,337 |
| Noninterest income to average assets | 0.1710% | 5,101 |
| Noninterest expense to average assets | 3.1598% | 1,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7711% | 3,298 |
| Return on assets (ROA) | 0.7711% | 3,337 |
| Pretax return on assets | 0.7972% | 4,249 |
| Return on Equity (ROE) | 5.5417% | 3,942 |
| Retained earnings to average equity (ytd only) | 2.5417% | 3,807 |
| Net charge-offs to loans | 0.0034% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 307 |
| Efficiency ratio | 79.8535% | 1,120 |
| Assets per employee ($millions) | 3.4404% | 4,777 |
| Cash dividends to net income (ytd only)* | 54.1353% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,360 |
| Loan loss allowance to noncurrent loans | 947.6190% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 4,519 |
| Noncurrent loans to loans | 0.1343% | 4,390 |
| Net loans and leases to total assets | 89.7367% | 83 |
| Net loans and leases to deposits | 111.6241% | 229 |
| Net loans and leases to core deposits | 130.3648% | 331 |
| Total domestic deposits to total assets | 80.3918% | 4,266 |
| Equity capital to assets | 14.2948% | 833 |
| Core capital (leverage) ratio | 13.7817% | 893 |
| Tier 1 risk-based capital ratio | 17.6996% | 1,886 |
| Total risk-based capital ratio | 18.9484% | 1,836 |
| Memoranda: | ||
| Average total assets | $34,496,000 | 5,422 |
| Average earning assets | $31,583,800 | 5,414 |
| Average equity | $4,800,000 | 5,305 |
| Average total loans | $29,746,800 | 5,036 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7904% | 940 |
| Cost of funding earning assets | 0.6964% | 982 |
| Net interest margin | 4.0940% | 1,410 |
| Noninterest income to average assets | 0.1468% | 5,274 |
| Noninterest expense to average assets | 3.2368% | 1,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6566% | 4,168 |
| Return on assets (ROA) | 0.6566% | 4,222 |
| Pretax return on assets | 0.6566% | 4,710 |
| Return on Equity (ROE) | 4.7513% | 4,620 |
| Retained earnings to average equity (ytd only) | 0.7268% | 5,055 |
| Net charge-offs to loans | 0.0045% | 3,570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 170.4211% | 497 |
| Efficiency ratio | 83.1349% | 827 |
| Assets per employee ($millions) | 3.5235% | 4,697 |
| Cash dividends to net income (ytd only)* | 84.7084% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 2,150 |
| Loan loss allowance to noncurrent loans | 133.5570% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8457% | 2,034 |
| Noncurrent loans to loans | 1.0057% | 1,932 |
| Net loans and leases to total assets | 82.9658% | 548 |
| Net loans and leases to deposits | 102.8172% | 560 |
| Net loans and leases to core deposits | 106.7638% | 1,214 |
| Total domestic deposits to total assets | 80.6925% | 4,141 |
| Equity capital to assets | 13.6853% | 1,083 |
| Core capital (leverage) ratio | 13.5419% | 1,013 |
| Tier 1 risk-based capital ratio | 17.7980% | 1,912 |
| Total risk-based capital ratio | 19.0492% | 1,861 |
| Memoranda: | ||
| Average total assets | $34,519,000 | 5,485 |
| Average earning assets | $31,590,500 | 5,471 |
| Average equity | $4,770,500 | 5,371 |
| Average total loans | $29,365,750 | 5,096 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7380% | 986 |
| Cost of funding earning assets | 0.6778% | 1,002 |
| Net interest margin | 4.0602% | 1,429 |
| Noninterest income to average assets | 0.1225% | 5,434 |
| Noninterest expense to average assets | 3.2205% | 1,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6068% | 4,274 |
| Return on assets (ROA) | 0.6068% | 4,320 |
| Pretax return on assets | 0.6068% | 4,789 |
| Return on Equity (ROE) | 4.3759% | 4,706 |
| Retained earnings to average equity (ytd only) | -1.6830% | 5,318 |
| Net charge-offs to loans | 0.0068% | 3,213 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 637 |
| Efficiency ratio | 84.1463% | 832 |
| Assets per employee ($millions) | 3.4002% | 4,859 |
| Cash dividends to net income (ytd only)* | 138.4615% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 2,264 |
| Loan loss allowance to noncurrent loans | 710.7143% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 4,524 |
| Noncurrent loans to loans | 0.1874% | 4,367 |
| Net loans and leases to total assets | 86.7008% | 230 |
| Net loans and leases to deposits | 108.2590% | 310 |
| Net loans and leases to core deposits | 112.6007% | 868 |
| Total domestic deposits to total assets | 80.0865% | 4,391 |
| Equity capital to assets | 13.9874% | 971 |
| Core capital (leverage) ratio | 13.6213% | 960 |
| Tier 1 risk-based capital ratio | 18.0651% | 1,837 |
| Total risk-based capital ratio | 19.3148% | 1,792 |
| Memoranda: | ||
| Average total assets | $34,280,330 | 5,534 |
| Average earning assets | $31,279,000 | 5,530 |
| Average equity | $4,753,330 | 5,410 |
| Average total loans | $29,277,330 | 5,140 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6046% | 1,134 |
| Cost of funding earning assets | 0.6614% | 1,021 |
| Net interest margin | 3.9432% | 1,629 |
| Noninterest income to average assets | 0.1859% | 5,161 |
| Noninterest expense to average assets | 3.1261% | 1,800 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6624% | 3,868 |
| Return on assets (ROA) | 0.6624% | 3,909 |
| Pretax return on assets | 0.6624% | 4,554 |
| Return on Equity (ROE) | 4.7980% | 4,481 |
| Retained earnings to average equity (ytd only) | -7.3232% | 5,503 |
| Net charge-offs to loans | 0.0138% | 2,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 835 |
| Efficiency ratio | 82.5153% | 1,110 |
| Assets per employee ($millions) | 3.4534% | 4,854 |
| Cash dividends to net income (ytd only)* | 252.6316% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 2,058 |
| Loan loss allowance to noncurrent loans | 698.2456% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 4,590 |
| Noncurrent loans to loans | 0.2009% | 4,401 |
| Net loans and leases to total assets | 81.0042% | 696 |
| Net loans and leases to deposits | 100.6549% | 578 |
| Net loans and leases to core deposits | 104.5953% | 1,189 |
| Total domestic deposits to total assets | 80.4772% | 4,528 |
| Equity capital to assets | 13.6358% | 1,026 |
| Core capital (leverage) ratio | 13.7057% | 913 |
| Tier 1 risk-based capital ratio | 18.4623% | 1,753 |
| Total risk-based capital ratio | 19.7130% | 1,710 |
| Memoranda: | ||
| Average total assets | $34,419,500 | 5,591 |
| Average earning assets | $31,446,500 | 5,588 |
| Average equity | $4,752,000 | 5,468 |
| Average total loans | $28,977,000 | 5,195 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7337% | 997 |
| Cost of funding earning assets | 0.5859% | 1,449 |
| Net interest margin | 4.1478% | 1,250 |
| Noninterest income to average assets | 0.2462% | 4,949 |
| Noninterest expense to average assets | 3.3026% | 1,570 |
| Loan and lease loss provision to assets | 0.1698% | 1,437 |
| Net operating income to assets | 0.5802% | 4,297 |
| Return on assets (ROA) | 0.5802% | 4,402 |
| Pretax return on assets | 0.5802% | 4,840 |
| Return on Equity (ROE) | 4.3353% | 4,723 |
| Retained earnings to average equity (ytd only) | 0.5287% | 5,119 |
| Net charge-offs to loans | 0.4478% | 567 |
| Credit loss provision to net charge-offs | 45.1128% | 3,438 |
| Earnings coverage of net charge-offs (x) | 1.9925% | 3,909 |
| Efficiency ratio | 81.4944% | 1,261 |
| Assets per employee ($millions) | 3.4305% | 4,854 |
| Cash dividends to net income (ytd only)* | 87.8049% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 2,307 |
| Loan loss allowance to noncurrent loans | 687.9310% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 4,646 |
| Noncurrent loans to loans | 0.1961% | 4,453 |
| Net loans and leases to total assets | 85.0692% | 299 |
| Net loans and leases to deposits | 106.2204% | 334 |
| Net loans and leases to core deposits | 110.4204% | 870 |
| Total domestic deposits to total assets | 80.0875% | 4,556 |
| Equity capital to assets | 13.9776% | 892 |
| Core capital (leverage) ratio | 13.3935% | 1,007 |
| Tier 1 risk-based capital ratio | 17.8985% | 1,880 |
| Total risk-based capital ratio | 19.1527% | 1,839 |
| Memoranda: | ||
| Average total assets | $35,335,600 | 5,630 |
| Average earning assets | $32,426,800 | 5,620 |
| Average equity | $4,728,600 | 5,522 |
| Average total loans | $29,701,000 | 5,195 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7275% | 1,020 |
| Cost of funding earning assets | 0.5665% | 1,573 |
| Net interest margin | 4.1610% | 1,225 |
| Noninterest income to average assets | 0.2810% | 4,759 |
| Noninterest expense to average assets | 3.3039% | 1,556 |
| Loan and lease loss provision to assets | 0.2248% | 904 |
| Net operating income to assets | 0.5769% | 4,381 |
| Return on assets (ROA) | 0.5769% | 4,497 |
| Pretax return on assets | 0.5769% | 4,938 |
| Return on Equity (ROE) | 4.3576% | 4,778 |
| Retained earnings to average equity (ytd only) | -0.7358% | 5,467 |
| Net charge-offs to loans | 0.5965% | 348 |
| Credit loss provision to net charge-offs | 45.1128% | 3,094 |
| Earnings coverage of net charge-offs (x) | 1.6090% | 3,674 |
| Efficiency ratio | 80.4745% | 1,381 |
| Assets per employee ($millions) | 3.6109% | 4,632 |
| Cash dividends to net income (ytd only)* | 116.8801% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 2,251 |
| Loan loss allowance to noncurrent loans | 453.4091% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 4,462 |
| Noncurrent loans to loans | 0.3062% | 4,154 |
| Net loans and leases to total assets | 78.4763% | 1,123 |
| Net loans and leases to deposits | 97.0877% | 945 |
| Net loans and leases to core deposits | 100.7251% | 1,568 |
| Total domestic deposits to total assets | 80.8303% | 4,290 |
| Equity capital to assets | 13.1380% | 1,419 |
| Core capital (leverage) ratio | 13.1460% | 1,135 |
| Tier 1 risk-based capital ratio | 17.5114% | 2,075 |
| Total risk-based capital ratio | 18.7627% | 2,038 |
| Memoranda: | ||
| Average total assets | $35,593,250 | 5,684 |
| Average earning assets | $32,715,750 | 5,674 |
| Average equity | $4,712,000 | 5,579 |
| Average total loans | $29,730,750 | 5,247 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 882 |
| Cost of funding earning assets | 0.5594% | 1,623 |
| Net interest margin | 4.2418% | 1,032 |
| Noninterest income to average assets | 0.2936% | 4,681 |
| Noninterest expense to average assets | 3.2692% | 1,648 |
| Loan and lease loss provision to assets | 0.3388% | 485 |
| Net operating income to assets | 0.5816% | 4,345 |
| Return on assets (ROA) | 0.5816% | 4,470 |
| Pretax return on assets | 0.5816% | 4,935 |
| Return on Equity (ROE) | 4.3817% | 4,764 |
| Retained earnings to average equity (ytd only) | -3.2757% | 5,656 |
| Net charge-offs to loans | 0.8848% | 220 |
| Credit loss provision to net charge-offs | 45.1128% | 2,719 |
| Earnings coverage of net charge-offs (x) | 1.2256% | 3,439 |
| Efficiency ratio | 78.0323% | 1,787 |
| Assets per employee ($millions) | 3.5146% | 4,734 |
| Cash dividends to net income (ytd only)* | 174.7573% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 2,416 |
| Loan loss allowance to noncurrent loans | 700.0000% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 4,859 |
| Noncurrent loans to loans | 0.1963% | 4,655 |
| Net loans and leases to total assets | 81.4886% | 682 |
| Net loans and leases to deposits | 101.4128% | 604 |
| Net loans and leases to core deposits | 105.3367% | 1,232 |
| Total domestic deposits to total assets | 80.3534% | 4,464 |
| Equity capital to assets | 13.3557% | 1,303 |
| Core capital (leverage) ratio | 13.1551% | 1,097 |
| Tier 1 risk-based capital ratio | 17.2339% | 2,146 |
| Total risk-based capital ratio | 18.4859% | 2,111 |
| Memoranda: | ||
| Average total assets | $35,421,330 | 5,756 |
| Average earning assets | $32,533,670 | 5,741 |
| Average equity | $4,701,330 | 5,643 |
| Average total loans | $30,062,330 | 5,292 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7327% | 986 |
| Cost of funding earning assets | 0.5489% | 1,721 |
| Net interest margin | 4.1838% | 1,133 |
| Noninterest income to average assets | 0.2587% | 4,878 |
| Noninterest expense to average assets | 3.2397% | 1,742 |
| Loan and lease loss provision to assets | 0.3375% | 444 |
| Net operating income to assets | 0.5399% | 4,467 |
| Return on assets (ROA) | 0.5399% | 4,571 |
| Pretax return on assets | 0.5399% | 4,980 |
| Return on Equity (ROE) | 4.0808% | 4,864 |
| Retained earnings to average equity (ytd only) | -11.2221% | 5,846 |
| Net charge-offs to loans | 1.7400% | 93 |
| Credit loss provision to net charge-offs | 22.5564% | 2,278 |
| Earnings coverage of net charge-offs (x) | 0.5865% | 2,910 |
| Efficiency ratio | 78.6885% | 1,801 |
| Assets per employee ($millions) | 3.5415% | 4,755 |
| Cash dividends to net income (ytd only)* | 375.0000% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 3,491 |
| Loan loss allowance to noncurrent loans | 273.3333% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 4,062 |
| Noncurrent loans to loans | 0.4384% | 3,871 |
| Net loans and leases to total assets | 85.9184% | 220 |
| Net loans and leases to deposits | 106.5518% | 318 |
| Net loans and leases to core deposits | 110.6191% | 822 |
| Total domestic deposits to total assets | 80.6353% | 4,594 |
| Equity capital to assets | 13.0990% | 1,364 |
| Core capital (leverage) ratio | 12.9411% | 1,182 |
| Tier 1 risk-based capital ratio | 16.5507% | 2,459 |
| Total risk-based capital ratio | 17.8030% | 2,411 |
| Memoranda: | ||
| Average total assets | $35,559,000 | 5,812 |
| Average earning assets | $32,793,000 | 5,796 |
| Average equity | $4,705,000 | 5,679 |
| Average total loans | $30,574,000 | 5,317 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9327% | 716 |
| Cost of funding earning assets | 0.5311% | 1,917 |
| Net interest margin | 4.4017% | 790 |
| Noninterest income to average assets | 0.2589% | 5,040 |
| Noninterest expense to average assets | 3.4810% | 1,328 |
| Loan and lease loss provision to assets | 0.3251% | 500 |
| Net operating income to assets | 0.4776% | 4,775 |
| Return on assets (ROA) | 0.4776% | 4,860 |
| Pretax return on assets | 0.5063% | 5,098 |
| Return on Equity (ROE) | 3.5319% | 5,131 |
| Retained earnings to average equity (ytd only) | 2.9787% | 3,945 |
| Net charge-offs to loans | -0.0033% | 4,923 |
| Credit loss provision to net charge-offs | -11,300.0000% | 5,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7205% | 1,578 |
| Assets per employee ($millions) | 3.5703% | 4,690 |
| Cash dividends to net income (ytd only)* | 15.6627% | 3,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 1,782 |
| Loan loss allowance to noncurrent loans | 205.2174% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.6442% | 3,121 |
| Noncurrent loans to loans | 0.7578% | 2,906 |
| Net loans and leases to total assets | 83.6876% | 417 |
| Net loans and leases to deposits | 103.9450% | 438 |
| Net loans and leases to core deposits | 107.8781% | 978 |
| Total domestic deposits to total assets | 80.5114% | 4,604 |
| Equity capital to assets | 13.3630% | 1,180 |
| Core capital (leverage) ratio | 13.0716% | 1,121 |
| Tier 1 risk-based capital ratio | 17.7545% | 2,036 |
| Total risk-based capital ratio | 19.0124% | 1,984 |
| Memoranda: | ||
| Average total assets | $34,759,800 | 5,874 |
| Average earning assets | $32,010,600 | 5,856 |
| Average equity | $4,700,000 | 5,719 |
| Average total loans | $30,361,000 | 5,348 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9887% | 636 |
| Cost of funding earning assets | 0.5245% | 2,002 |
| Net interest margin | 4.4642% | 710 |
| Noninterest income to average assets | 0.2394% | 5,220 |
| Noninterest expense to average assets | 3.5298% | 1,235 |
| Loan and lease loss provision to assets | 0.1854% | 1,114 |
| Net operating income to assets | 0.6334% | 4,224 |
| Return on assets (ROA) | 0.6334% | 4,335 |
| Pretax return on assets | 0.6334% | 4,888 |
| Return on Equity (ROE) | 4.6700% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.0436% | 3,583 |
| Net charge-offs to loans | -0.0044% | 4,813 |
| Credit loss provision to net charge-offs | -4,800.0000% | 5,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1723% | 1,503 |
| Assets per employee ($millions) | 3.6109% | 4,586 |
| Cash dividends to net income (ytd only)* | 13.4135% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 3,016 |
| Loan loss allowance to noncurrent loans | 171.7300% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.6563% | 3,285 |
| Noncurrent loans to loans | 0.7653% | 3,053 |
| Net loans and leases to total assets | 84.6409% | 334 |
| Net loans and leases to deposits | 105.2119% | 396 |
| Net loans and leases to core deposits | 109.1848% | 922 |
| Total domestic deposits to total assets | 80.4481% | 4,624 |
| Equity capital to assets | 13.2183% | 1,341 |
| Core capital (leverage) ratio | 13.0076% | 1,201 |
| Tier 1 risk-based capital ratio | 17.6041% | 2,155 |
| Total risk-based capital ratio | 18.8581% | 2,114 |
| Memoranda: | ||
| Average total assets | $34,524,000 | 5,959 |
| Average earning assets | $31,777,750 | 5,939 |
| Average equity | $4,682,250 | 5,803 |
| Average total loans | $30,363,500 | 5,408 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9623% | 634 |
| Cost of funding earning assets | 0.5116% | 2,151 |
| Net interest margin | 4.4507% | 692 |
| Noninterest income to average assets | 0.2177% | 5,395 |
| Noninterest expense to average assets | 3.6122% | 1,109 |
| Loan and lease loss provision to assets | 0.2177% | 872 |
| Net operating income to assets | 0.4824% | 4,840 |
| Return on assets (ROA) | 0.4824% | 4,944 |
| Pretax return on assets | 0.4824% | 5,272 |
| Return on Equity (ROE) | 3.5254% | 5,213 |
| Retained earnings to average equity (ytd only) | 2.7515% | 4,302 |
| Net charge-offs to loans | -0.0066% | 4,810 |
| Credit loss provision to net charge-offs | -3,700.0000% | 5,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7653% | 1,290 |
| Assets per employee ($millions) | 3.0991% | 5,469 |
| Cash dividends to net income (ytd only)* | 21.9512% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 3,325 |
| Loan loss allowance to noncurrent loans | 175.2212% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 3,413 |
| Noncurrent loans to loans | 0.7337% | 3,279 |
| Net loans and leases to total assets | 89.1962% | 95 |
| Net loans and leases to deposits | 107.8033% | 314 |
| Net loans and leases to core deposits | 111.9881% | 745 |
| Total domestic deposits to total assets | 82.7398% | 4,051 |
| Equity capital to assets | 13.7753% | 1,066 |
| Core capital (leverage) ratio | 13.5723% | 968 |
| Tier 1 risk-based capital ratio | 15.1832% | 3,258 |
| Total risk-based capital ratio | 16.4344% | 3,191 |
| Memoranda: | ||
| Average total assets | $33,995,670 | 6,034 |
| Average earning assets | $31,276,000 | 6,020 |
| Average equity | $4,652,000 | 5,869 |
| Average total loans | $30,161,330 | 5,468 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 662 |
| Cost of funding earning assets | 0.5130% | 2,174 |
| Net interest margin | 4.4120% | 713 |
| Noninterest income to average assets | 0.2592% | 5,105 |
| Noninterest expense to average assets | 3.6644% | 1,051 |
| Loan and lease loss provision to assets | 0.5066% | 204 |
| Net operating income to assets | 0.1414% | 5,808 |
| Return on assets (ROA) | 0.1414% | 5,878 |
| Pretax return on assets | 0.1414% | 5,908 |
| Return on Equity (ROE) | 1.0367% | 5,903 |
| Retained earnings to average equity (ytd only) | -0.1728% | 5,410 |
| Net charge-offs to loans | 0.0670% | 2,066 |
| Credit loss provision to net charge-offs | 860.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,897 |
| Efficiency ratio | 84.9727% | 1,273 |
| Assets per employee ($millions) | 3.4505% | 4,985 |
| Cash dividends to net income (ytd only)* | 116.6667% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 3,340 |
| Loan loss allowance to noncurrent loans | 77.9528% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.7505% | 1,412 |
| Noncurrent loans to loans | 1.6808% | 1,645 |
| Net loans and leases to total assets | 86.4425% | 164 |
| Net loans and leases to deposits | 101.9099% | 461 |
| Net loans and leases to core deposits | 105.7095% | 960 |
| Total domestic deposits to total assets | 84.8225% | 3,493 |
| Equity capital to assets | 13.4154% | 1,211 |
| Core capital (leverage) ratio | 13.5280% | 961 |
| Tier 1 risk-based capital ratio | 15.1309% | 3,362 |
| Total risk-based capital ratio | 16.3828% | 3,283 |
| Memoranda: | ||
| Average total assets | $33,948,500 | 6,098 |
| Average earning assets | $31,188,000 | 6,086 |
| Average equity | $4,630,000 | 5,922 |
| Average total loans | $29,840,500 | 5,516 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 835 |
| Cost of funding earning assets | 0.5268% | 2,417 |
| Net interest margin | 4.4367% | 838 |
| Noninterest income to average assets | 0.3348% | 4,714 |
| Noninterest expense to average assets | 3.5364% | 1,407 |
| Loan and lease loss provision to assets | 0.7802% | 158 |
| Net operating income to assets | 0.0662% | 6,001 |
| Return on assets (ROA) | 0.0717% | 6,017 |
| Pretax return on assets | 0.0777% | 6,010 |
| Return on Equity (ROE) | 0.5080% | 6,036 |
| Retained earnings to average equity (ytd only) | -8.0440% | 6,273 |
| Net charge-offs to loans | 0.8439% | 401 |
| Credit loss provision to net charge-offs | 106.9672% | 2,238 |
| Earnings coverage of net charge-offs (x) | 1.1680% | 4,485 |
| Efficiency ratio | 80.5858% | 1,836 |
| Assets per employee ($millions) | 3.0356% | 5,649 |
| Cash dividends to net income (ytd only)* | 1,683.3333% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 3,909 |
| Loan loss allowance to noncurrent loans | 68.3206% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 1.8807% | 1,372 |
| Noncurrent loans to loans | 1.7788% | 1,618 |
| Net loans and leases to total assets | 87.1466% | 150 |
| Net loans and leases to deposits | 103.2684% | 463 |
| Net loans and leases to core deposits | 106.2858% | 999 |
| Total domestic deposits to total assets | 84.3885% | 3,562 |
| Equity capital to assets | 13.8686% | 1,007 |
| Core capital (leverage) ratio | 13.0088% | 1,135 |
| Tier 1 risk-based capital ratio | 17.2419% | 2,404 |
| Total risk-based capital ratio | 18.4929% | 2,361 |
| Memoranda: | ||
| Average total assets | $33,452,000 | 6,188 |
| Average earning assets | $30,563,000 | 6,173 |
| Average equity | $4,724,000 | 5,921 |
| Average total loans | $28,913,400 | 5,609 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 827 |
| Cost of funding earning assets | 0.5239% | 2,532 |
| Net interest margin | 4.4358% | 839 |
| Noninterest income to average assets | 0.3546% | 4,604 |
| Noninterest expense to average assets | 3.5218% | 1,431 |
| Loan and lease loss provision to assets | 0.8167% | 151 |
| Net operating income to assets | 0.0602% | 6,072 |
| Return on assets (ROA) | 0.0677% | 6,093 |
| Pretax return on assets | 0.0717% | 6,091 |
| Return on Equity (ROE) | 0.4775% | 6,108 |
| Retained earnings to average equity (ytd only) | -10.7568% | 6,388 |
| Net charge-offs to loans | 0.4633% | 846 |
| Credit loss provision to net charge-offs | 205.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 2.2100% | 3,961 |
| Efficiency ratio | 80.0000% | 1,918 |
| Assets per employee ($millions) | 3.2453% | 5,342 |
| Cash dividends to net income (ytd only)* | 2,352.5364% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 2,349 |
| Loan loss allowance to noncurrent loans | 52.1028% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 2.3979% | 1,126 |
| Noncurrent loans to loans | 3.0436% | 872 |
| Net loans and leases to total assets | 77.5366% | 1,015 |
| Net loans and leases to deposits | 91.0374% | 1,321 |
| Net loans and leases to core deposits | 93.5259% | 1,915 |
| Total domestic deposits to total assets | 85.1700% | 3,269 |
| Equity capital to assets | 12.9643% | 1,449 |
| Core capital (leverage) ratio | 13.3429% | 1,048 |
| Tier 1 risk-based capital ratio | 17.6231% | 2,347 |
| Total risk-based capital ratio | 18.8797% | 2,304 |
| Memoranda: | ||
| Average total assets | $33,467,000 | 6,263 |
| Average earning assets | $30,538,500 | 6,248 |
| Average equity | $4,747,250 | 5,983 |
| Average total loans | $28,777,250 | 5,672 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 574 |
| Cost of funding earning assets | 0.5243% | 2,596 |
| Net interest margin | 4.6107% | 572 |
| Noninterest income to average assets | 0.3484% | 4,640 |
| Noninterest expense to average assets | 3.5999% | 1,300 |
| Loan and lease loss provision to assets | 0.7029% | 188 |
| Net operating income to assets | 0.2323% | 5,753 |
| Return on assets (ROA) | 0.2323% | 5,820 |
| Pretax return on assets | 0.2384% | 5,897 |
| Return on Equity (ROE) | 1.5876% | 5,935 |
| Retained earnings to average equity (ytd only) | -14.9154% | 6,494 |
| Net charge-offs to loans | 0.6898% | 557 |
| Credit loss provision to net charge-offs | 115.0000% | 1,763 |
| Earnings coverage of net charge-offs (x) | 1.5400% | 3,778 |
| Efficiency ratio | 79.2732% | 2,128 |
| Assets per employee ($millions) | 3.2300% | 5,376 |
| Cash dividends to net income (ytd only)* | 1,039.4737% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 4,154 |
| Loan loss allowance to noncurrent loans | 53.2934% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 2.0681% | 1,527 |
| Noncurrent loans to loans | 2.3470% | 1,363 |
| Net loans and leases to total assets | 87.0155% | 128 |
| Net loans and leases to deposits | 104.2353% | 354 |
| Net loans and leases to core deposits | 107.4512% | 798 |
| Total domestic deposits to total assets | 83.4799% | 4,121 |
| Equity capital to assets | 14.4087% | 844 |
| Core capital (leverage) ratio | 14.0396% | 817 |
| Tier 1 risk-based capital ratio | 18.0108% | 2,238 |
| Total risk-based capital ratio | 19.2608% | 2,209 |
| Memoranda: | ||
| Average total assets | $32,723,330 | 6,335 |
| Average earning assets | $29,756,670 | 6,320 |
| Average equity | $4,787,000 | 6,014 |
| Average total loans | $28,994,670 | 5,698 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1160% | 579 |
| Cost of funding earning assets | 0.5223% | 2,687 |
| Net interest margin | 4.5937% | 558 |
| Noninterest income to average assets | 0.3522% | 4,556 |
| Noninterest expense to average assets | 3.5585% | 1,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9473% | 2,417 |
| Return on assets (ROA) | 0.9473% | 2,487 |
| Pretax return on assets | 0.9595% | 3,476 |
| Return on Equity (ROE) | 6.4284% | 3,790 |
| Retained earnings to average equity (ytd only) | -25.8782% | 6,592 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7634% | 2,365 |
| Assets per employee ($millions) | 3.2857% | 5,371 |
| Cash dividends to net income (ytd only)* | 502.5641% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 4,780 |
| Loan loss allowance to noncurrent loans | 60.8929% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 1.7044% | 2,073 |
| Noncurrent loans to loans | 1.9198% | 1,969 |
| Net loans and leases to total assets | 87.7408% | 88 |
| Net loans and leases to deposits | 104.9701% | 261 |
| Net loans and leases to core deposits | 108.1398% | 667 |
| Total domestic deposits to total assets | 83.5865% | 4,424 |
| Equity capital to assets | 14.2922% | 832 |
| Core capital (leverage) ratio | 14.0793% | 798 |
| Tier 1 risk-based capital ratio | 17.9948% | 2,299 |
| Total risk-based capital ratio | 19.2437% | 2,280 |
| Memoranda: | ||
| Average total assets | $32,935,000 | 6,395 |
| Average earning assets | $29,867,000 | 6,383 |
| Average equity | $4,853,500 | 6,032 |
| Average total loans | $29,261,000 | 5,737 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9008% | 1,097 |
| Cost of funding earning assets | 0.5828% | 2,809 |
| Net interest margin | 4.3180% | 1,068 |
| Noninterest income to average assets | 0.3932% | 4,499 |
| Noninterest expense to average assets | 3.2486% | 2,282 |
| Loan and lease loss provision to assets | 0.0381% | 4,352 |
| Net operating income to assets | 0.9919% | 2,361 |
| Return on assets (ROA) | 0.9919% | 2,431 |
| Pretax return on assets | 1.0418% | 3,182 |
| Return on Equity (ROE) | 6.8604% | 3,643 |
| Retained earnings to average equity (ytd only) | 4.7698% | 2,753 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0508% | 2,937 |
| Assets per employee ($millions) | 3.3013% | 5,291 |
| Cash dividends to net income (ytd only)* | 30.4734% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 4,836 |
| Loan loss allowance to noncurrent loans | 60.8541% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.7024% | 2,163 |
| Noncurrent loans to loans | 1.9147% | 2,103 |
| Net loans and leases to total assets | 87.8745% | 91 |
| Net loans and leases to deposits | 106.2054% | 253 |
| Net loans and leases to core deposits | 111.1750% | 569 |
| Total domestic deposits to total assets | 82.7401% | 4,629 |
| Equity capital to assets | 15.1789% | 644 |
| Core capital (leverage) ratio | 14.5571% | 677 |
| Tier 1 risk-based capital ratio | 19.0961% | 1,889 |
| Total risk-based capital ratio | 20.3460% | 1,850 |
| Memoranda: | ||
| Average total assets | $34,076,200 | 6,431 |
| Average earning assets | $31,056,400 | 6,420 |
| Average equity | $4,926,800 | 6,081 |
| Average total loans | $28,521,000 | 5,827 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8212% | 1,302 |
| Cost of funding earning assets | 0.5947% | 2,854 |
| Net interest margin | 4.2265% | 1,259 |
| Noninterest income to average assets | 0.4077% | 4,478 |
| Noninterest expense to average assets | 3.2263% | 2,281 |
| Loan and lease loss provision to assets | 0.0388% | 4,231 |
| Net operating income to assets | 1.0055% | 2,357 |
| Return on assets (ROA) | 1.0055% | 2,439 |
| Pretax return on assets | 1.0055% | 3,481 |
| Return on Equity (ROE) | 7.0391% | 3,628 |
| Retained earnings to average equity (ytd only) | 7.0391% | 1,853 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5455% | 2,798 |
| Assets per employee ($millions) | 3.4646% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 4,945 |
| Loan loss allowance to noncurrent loans | 58.5492% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 1.6712% | 2,459 |
| Noncurrent loans to loans | 2.0209% | 2,226 |
| Net loans and leases to total assets | 81.7151% | 387 |
| Net loans and leases to deposits | 98.1351% | 561 |
| Net loans and leases to core deposits | 102.5055% | 956 |
| Total domestic deposits to total assets | 83.2679% | 4,474 |
| Equity capital to assets | 14.5327% | 818 |
| Core capital (leverage) ratio | 14.4178% | 755 |
| Tier 1 risk-based capital ratio | 19.0864% | 1,963 |
| Total risk-based capital ratio | 20.3715% | 1,920 |
| Memoranda: | ||
| Average total assets | $34,342,000 | 6,497 |
| Average earning assets | $31,388,500 | 6,483 |
| Average equity | $4,905,750 | 6,163 |
| Average total loans | $28,313,250 | 5,888 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 1,315 |
| Cost of funding earning assets | 0.6275% | 2,707 |
| Net interest margin | 4.1810% | 1,330 |
| Noninterest income to average assets | 0.3972% | 4,547 |
| Noninterest expense to average assets | 3.2184% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9930% | 2,358 |
| Return on assets (ROA) | 0.9930% | 2,499 |
| Pretax return on assets | 0.9930% | 3,537 |
| Return on Equity (ROE) | 6.9920% | 3,603 |
| Retained earnings to average equity (ytd only) | 6.9920% | 1,899 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4216% | 2,722 |
| Assets per employee ($millions) | 3.1090% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 5,136 |
| Loan loss allowance to noncurrent loans | 56.4322% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.7047% | 2,551 |
| Noncurrent loans to loans | 2.0776% | 2,305 |
| Net loans and leases to total assets | 81.0901% | 430 |
| Net loans and leases to deposits | 97.4078% | 581 |
| Net loans and leases to core deposits | 101.7950% | 956 |
| Total domestic deposits to total assets | 83.2480% | 4,612 |
| Equity capital to assets | 14.4624% | 832 |
| Core capital (leverage) ratio | 14.1004% | 799 |
| Tier 1 risk-based capital ratio | 17.3544% | 2,573 |
| Total risk-based capital ratio | 18.5088% | 2,583 |
| Memoranda: | ||
| Average total assets | $34,240,670 | 6,546 |
| Average earning assets | $31,236,670 | 6,531 |
| Average equity | $4,862,670 | 6,222 |
| Average total loans | $28,201,000 | 5,926 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8066% | 1,278 |
| Cost of funding earning assets | 0.6409% | 2,740 |
| Net interest margin | 4.1657% | 1,288 |
| Noninterest income to average assets | 0.3736% | 4,680 |
| Noninterest expense to average assets | 3.1172% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0507% | 2,034 |
| Return on assets (ROA) | 1.0507% | 2,143 |
| Pretax return on assets | 1.0507% | 3,142 |
| Return on Equity (ROE) | 7.4673% | 3,233 |
| Retained earnings to average equity (ytd only) | 7.4673% | 1,954 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7899% | 3,124 |
| Assets per employee ($millions) | 3.1945% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 5,301 |
| Loan loss allowance to noncurrent loans | 39.6386% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 2.3620% | 1,971 |
| Noncurrent loans to loans | 2.9614% | 1,698 |
| Net loans and leases to total assets | 78.8241% | 528 |
| Net loans and leases to deposits | 94.0062% | 664 |
| Net loans and leases to core deposits | 98.0842% | 1,073 |
| Total domestic deposits to total assets | 83.8499% | 4,539 |
| Equity capital to assets | 13.8479% | 1,076 |
| Core capital (leverage) ratio | 14.1631% | 753 |
| Tier 1 risk-based capital ratio | 18.8131% | 2,091 |
| Total risk-based capital ratio | 20.0851% | 2,062 |
| Memoranda: | ||
| Average total assets | $34,261,500 | 6,610 |
| Average earning assets | $31,207,000 | 6,591 |
| Average equity | $4,821,000 | 6,297 |
| Average total loans | $28,271,000 | 5,969 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5952% | 514 |
| Cost of funding earning assets | 0.8252% | 2,464 |
| Net interest margin | 4.7700% | 571 |
| Noninterest income to average assets | 0.4264% | 4,409 |
| Noninterest expense to average assets | 3.2544% | 2,465 |
| Loan and lease loss provision to assets | 0.0148% | 5,722 |
| Net operating income to assets | 1.4954% | 928 |
| Return on assets (ROA) | 1.4954% | 1,019 |
| Pretax return on assets | 1.5221% | 1,615 |
| Return on Equity (ROE) | 10.7534% | 1,886 |
| Retained earnings to average equity (ytd only) | 6.4946% | 1,824 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9234% | 4,159 |
| Assets per employee ($millions) | 3.3384% | 5,349 |
| Cash dividends to net income (ytd only)* | 39.6040% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 5,329 |
| 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 | 84.4297% | 194 |
| Net loans and leases to deposits | 101.2574% | 362 |
| Net loans and leases to core deposits | 105.9146% | 698 |
| Total domestic deposits to total assets | 83.3813% | 4,569 |
| Equity capital to assets | 14.3063% | 935 |
| Core capital (leverage) ratio | 13.9124% | 827 |
| Tier 1 risk-based capital ratio | 19.3157% | 1,863 |
| Total risk-based capital ratio | 20.6463% | 1,807 |
| Memoranda: | ||
| Average total assets | $33,769,400 | 6,664 |
| Average earning assets | $30,901,400 | 6,643 |
| Average equity | $4,696,200 | 6,388 |
| Average total loans | $28,326,600 | 6,024 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6007% | 555 |
| Cost of funding earning assets | 0.8583% | 2,470 |
| Net interest margin | 4.7423% | 615 |
| Noninterest income to average assets | 0.4331% | 4,400 |
| Noninterest expense to average assets | 3.1457% | 2,735 |
| Loan and lease loss provision to assets | 0.0197% | 5,555 |
| Net operating income to assets | 1.6181% | 811 |
| Return on assets (ROA) | 1.6181% | 900 |
| Pretax return on assets | 1.6181% | 1,514 |
| Return on Equity (ROE) | 11.7186% | 1,733 |
| Retained earnings to average equity (ytd only) | 11.7186% | 577 |
| Net charge-offs to loans | 0.0047% | 5,696 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 417.0301% | 113 |
| Efficiency ratio | 65.7613% | 4,494 |
| Assets per employee ($millions) | 3.1208% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 5,615 |
| Loan loss allowance to noncurrent loans | 437.3333% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 6,165 |
| Noncurrent loans to loans | 0.2572% | 5,975 |
| Net loans and leases to total assets | 83.9786% | 229 |
| Net loans and leases to deposits | 100.8289% | 407 |
| Net loans and leases to core deposits | 105.3268% | 779 |
| Total domestic deposits to total assets | 83.2882% | 4,523 |
| Equity capital to assets | 14.2212% | 1,069 |
| Core capital (leverage) ratio | 13.7170% | 936 |
| Tier 1 risk-based capital ratio | 18.3073% | 2,228 |
| Total risk-based capital ratio | 19.5373% | 2,214 |
| Memoranda: | ||
| Average total assets | $33,865,750 | 6,740 |
| Average earning assets | $31,067,000 | 6,720 |
| Average equity | $4,676,250 | 6,464 |
| Average total loans | $28,279,500 | 6,101 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6358% | 545 |
| Cost of funding earning assets | 0.8865% | 2,515 |
| Net interest margin | 4.7494% | 613 |
| Noninterest income to average assets | 0.4034% | 4,622 |
| Noninterest expense to average assets | 3.1087% | 2,901 |
| Loan and lease loss provision to assets | 0.0237% | 5,368 |
| Net operating income to assets | 1.6256% | 795 |
| Return on assets (ROA) | 1.6256% | 884 |
| Pretax return on assets | 1.6256% | 1,474 |
| Return on Equity (ROE) | 11.8932% | 1,700 |
| Retained earnings to average equity (ytd only) | 11.8932% | 601 |
| Net charge-offs to loans | 0.0071% | 5,382 |
| Credit loss provision to net charge-offs | 400.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 278.0000% | 153 |
| Efficiency ratio | 65.3367% | 4,660 |
| Assets per employee ($millions) | 3.1501% | 5,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 5,432 |
| 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 | 78.8953% | 626 |
| Net loans and leases to deposits | 96.7991% | 582 |
| Net loans and leases to core deposits | 100.0989% | 1,095 |
| Total domestic deposits to total assets | 81.5041% | 5,295 |
| Equity capital to assets | 13.6937% | 1,214 |
| Core capital (leverage) ratio | 13.8362% | 853 |
| Tier 1 risk-based capital ratio | 18.4150% | 2,156 |
| Total risk-based capital ratio | 19.6841% | 2,111 |
| Memoranda: | ||
| Average total assets | $33,711,330 | 6,793 |
| Average earning assets | $30,909,330 | 6,772 |
| Average equity | $4,607,670 | 6,511 |
| Average total loans | $27,987,000 | 6,154 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7995% | 424 |
| Cost of funding earning assets | 0.9732% | 2,136 |
| Net interest margin | 4.8263% | 535 |
| Noninterest income to average assets | 0.3971% | 4,695 |
| Noninterest expense to average assets | 3.2490% | 2,440 |
| Loan and lease loss provision to assets | 0.0481% | 4,804 |
| Net operating income to assets | 1.5162% | 992 |
| Return on assets (ROA) | 1.5162% | 1,117 |
| Pretax return on assets | 1.5162% | 1,831 |
| Return on Equity (ROE) | 11.1038% | 1,982 |
| Retained earnings to average equity (ytd only) | 11.1038% | 1,002 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5000% | 4,272 |
| Assets per employee ($millions) | 3.1126% | 5,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 5,636 |
| 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 | 80.8581% | 343 |
| Net loans and leases to deposits | 96.2756% | 520 |
| Net loans and leases to core deposits | 96.2756% | 1,279 |
| Total domestic deposits to total assets | 83.9861% | 4,500 |
| Equity capital to assets | 13.4408% | 1,259 |
| Core capital (leverage) ratio | 13.8294% | 847 |
| Tier 1 risk-based capital ratio | 17.6939% | 2,408 |
| Total risk-based capital ratio | 18.9550% | 2,374 |
| Memoranda: | ||
| Average total assets | $33,241,500 | 6,857 |
| Average earning assets | $30,416,500 | 6,832 |
| Average equity | $4,539,000 | 6,568 |
| Average total loans | $28,148,000 | 6,195 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0274% | 415 |
| Cost of funding earning assets | 1.1241% | 2,510 |
| Net interest margin | 4.9033% | 503 |
| Noninterest income to average assets | 0.7220% | 2,486 |
| Noninterest expense to average assets | 3.5809% | 1,781 |
| Loan and lease loss provision to assets | 0.1748% | 4,450 |
| Net operating income to assets | 1.4149% | 998 |
| Return on assets (ROA) | 1.4149% | 1,077 |
| Pretax return on assets | 1.4149% | 1,732 |
| Return on Equity (ROE) | 10.3022% | 1,957 |
| Retained earnings to average equity (ytd only) | 10.3022% | 511 |
| Net charge-offs to loans | 0.0039% | 6,389 |
| Credit loss provision to net charge-offs | 5,400.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 491.0000% | 68 |
| Efficiency ratio | 69.2549% | 4,099 |
| Assets per employee ($millions) | 3.2244% | 5,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 5,644 |
| 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 | 86.7107% | 115 |
| Net loans and leases to deposits | 103.8056% | 313 |
| Net loans and leases to core deposits | 105.8091% | 799 |
| Total domestic deposits to total assets | 83.5318% | 4,526 |
| Equity capital to assets | 13.8817% | 1,112 |
| Core capital (leverage) ratio | 13.7090% | 896 |
| Tier 1 risk-based capital ratio | 17.0145% | 2,598 |
| Total risk-based capital ratio | 18.2461% | 2,560 |
| Memoranda: | ||
| Average total assets | $30,885,800 | 6,943 |
| Average earning assets | $28,022,200 | 6,920 |
| Average equity | $4,241,800 | 6,680 |
| Average total loans | $25,388,000 | 6,400 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9551% | 501 |
| Cost of funding earning assets | 1.1467% | 2,652 |
| Net interest margin | 4.8084% | 616 |
| Noninterest income to average assets | 0.7289% | 2,425 |
| Noninterest expense to average assets | 3.5835% | 1,741 |
| Loan and lease loss provision to assets | 0.1921% | 4,101 |
| Net operating income to assets | 1.3095% | 1,351 |
| Return on assets (ROA) | 1.3095% | 1,440 |
| Pretax return on assets | 1.3095% | 2,256 |
| Return on Equity (ROE) | 9.5617% | 2,361 |
| Retained earnings to average equity (ytd only) | 9.5617% | 963 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4721% | 3,862 |
| Assets per employee ($millions) | 2.4868% | 6,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 5,585 |
| 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 | 82.2450% | 335 |
| Net loans and leases to deposits | 100.7579% | 437 |
| Net loans and leases to core deposits | 102.7396% | 1,055 |
| Total domestic deposits to total assets | 81.6264% | 5,213 |
| Equity capital to assets | 13.4369% | 1,395 |
| Core capital (leverage) ratio | 13.5323% | 1,031 |
| Tier 1 risk-based capital ratio | 17.0647% | 2,623 |
| Total risk-based capital ratio | 18.3022% | 2,584 |
| Memoranda: | ||
| Average total assets | $30,546,250 | 7,023 |
| Average earning assets | $27,673,250 | 7,003 |
| Average equity | $4,183,250 | 6,753 |
| Average total loans | $24,664,250 | 6,499 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9778% | 500 |
| Cost of funding earning assets | 1.1453% | 2,932 |
| Net interest margin | 4.8325% | 577 |
| Noninterest income to average assets | 0.7479% | 2,267 |
| Noninterest expense to average assets | 3.6525% | 1,620 |
| Loan and lease loss provision to assets | 0.2337% | 3,575 |
| Net operating income to assets | 1.2286% | 1,499 |
| Return on assets (ROA) | 1.2286% | 1,573 |
| Pretax return on assets | 1.2286% | 2,377 |
| Return on Equity (ROE) | 8.9111% | 2,555 |
| Retained earnings to average equity (ytd only) | 8.9111% | 1,141 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4099% | 3,849 |
| Assets per employee ($millions) | 2.5529% | 6,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 5,494 |
| 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 | 81.3220% | 424 |
| Net loans and leases to deposits | 100.3868% | 477 |
| Net loans and leases to core deposits | 102.4805% | 1,150 |
| Total domestic deposits to total assets | 81.0087% | 5,524 |
| Equity capital to assets | 13.8012% | 1,164 |
| Core capital (leverage) ratio | 13.8156% | 923 |
| Tier 1 risk-based capital ratio | 17.4480% | 2,356 |
| Total risk-based capital ratio | 18.7108% | 2,324 |
| Memoranda: | ||
| Average total assets | $29,952,000 | 7,109 |
| Average earning assets | $27,066,670 | 7,087 |
| Average equity | $4,129,670 | 6,809 |
| Average total loans | $23,917,670 | 6,596 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8283% | 698 |
| Cost of funding earning assets | 1.1686% | 3,030 |
| Net interest margin | 4.6596% | 764 |
| Noninterest income to average assets | 0.7295% | 2,392 |
| Noninterest expense to average assets | 3.6744% | 1,586 |
| Loan and lease loss provision to assets | 0.2702% | 2,990 |
| Net operating income to assets | 0.9861% | 2,227 |
| Return on assets (ROA) | 0.9861% | 2,285 |
| Pretax return on assets | 0.9861% | 3,174 |
| Return on Equity (ROE) | 7.1560% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.1560% | 2,080 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5205% | 3,421 |
| Assets per employee ($millions) | 2.7760% | 6,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 5,469 |
| 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 | 76.4049% | 978 |
| Net loans and leases to deposits | 93.9629% | 831 |
| Net loans and leases to core deposits | 93.9629% | 1,885 |
| Total domestic deposits to total assets | 81.3139% | 5,567 |
| Equity capital to assets | 13.4824% | 1,187 |
| Core capital (leverage) ratio | 13.9830% | 855 |
| Tier 1 risk-based capital ratio | 17.8627% | 2,160 |
| Total risk-based capital ratio | 19.1253% | 2,128 |
| Memoranda: | ||
| Average total assets | $29,610,500 | 7,161 |
| Average earning assets | $26,697,500 | 7,147 |
| Average equity | $4,080,500 | 6,855 |
| Average total loans | $23,267,000 | 6,682 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3436% | 426 |
| Cost of funding earning assets | 1.4421% | 3,008 |
| Net interest margin | 4.9015% | 550 |
| Noninterest income to average assets | 0.8891% | 1,888 |
| Noninterest expense to average assets | 3.9744% | 1,196 |
| Loan and lease loss provision to assets | 0.3541% | 4,004 |
| Net operating income to assets | 0.9267% | 2,286 |
| Return on assets (ROA) | 0.9267% | 2,413 |
| Pretax return on assets | 0.9267% | 3,168 |
| Return on Equity (ROE) | 6.2701% | 3,467 |
| Retained earnings to average equity (ytd only) | 6.2701% | 1,682 |
| Net charge-offs to loans | 0.0429% | 6,375 |
| Credit loss provision to net charge-offs | 1,044.4444% | 214 |
| Earnings coverage of net charge-offs (x) | 37.7778% | 612 |
| Efficiency ratio | 75.6272% | 3,106 |
| Assets per employee ($millions) | 2.6077% | 6,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 5,596 |
| 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 | 78.9298% | 810 |
| Net loans and leases to deposits | 97.9918% | 718 |
| Net loans and leases to core deposits | 103.5822% | 1,342 |
| Total domestic deposits to total assets | 80.5473% | 5,669 |
| Equity capital to assets | 14.0980% | 1,008 |
| Core capital (leverage) ratio | 13.9012% | 863 |
| Tier 1 risk-based capital ratio | 18.5148% | 1,838 |
| Total risk-based capital ratio | 19.7555% | 1,806 |
| Memoranda: | ||
| Average total assets | $26,544,800 | 7,304 |
| Average earning assets | $23,646,000 | 7,298 |
| Average equity | $3,923,400 | 7,022 |
| Average total loans | $20,993,200 | 6,871 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3508% | 459 |
| Cost of funding earning assets | 1.4709% | 3,138 |
| Net interest margin | 4.8799% | 572 |
| Noninterest income to average assets | 0.9535% | 1,608 |
| Noninterest expense to average assets | 3.9574% | 1,105 |
| Loan and lease loss provision to assets | 0.4101% | 3,442 |
| Net operating income to assets | 0.9227% | 2,525 |
| Return on assets (ROA) | 0.9227% | 2,662 |
| Pretax return on assets | 0.9227% | 3,478 |
| Return on Equity (ROE) | 6.1643% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.1643% | 2,279 |
| Net charge-offs to loans | 0.0585% | 5,926 |
| Credit loss provision to net charge-offs | 888.8889% | 340 |
| Earnings coverage of net charge-offs (x) | 28.8883% | 902 |
| Efficiency ratio | 74.8062% | 3,183 |
| Assets per employee ($millions) | 2.5505% | 7,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 5,798 |
| 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 | 80.0043% | 749 |
| Net loans and leases to deposits | 103.5858% | 454 |
| Net loans and leases to core deposits | 109.8786% | 1,040 |
| Total domestic deposits to total assets | 77.2348% | 6,432 |
| Equity capital to assets | 14.2144% | 1,108 |
| Core capital (leverage) ratio | 14.6839% | 777 |
| Tier 1 risk-based capital ratio | 17.7663% | 2,090 |
| Total risk-based capital ratio | 18.9112% | 2,092 |
| Memoranda: | ||
| Average total assets | $26,009,750 | 7,413 |
| Average earning assets | $23,114,750 | 7,408 |
| Average equity | $3,893,250 | 7,116 |
| Average total loans | $20,513,500 | 6,986 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3522% | 459 |
| Cost of funding earning assets | 1.5145% | 3,176 |
| Net interest margin | 4.8376% | 614 |
| Noninterest income to average assets | 1.0265% | 1,291 |
| Noninterest expense to average assets | 4.0588% | 973 |
| Loan and lease loss provision to assets | 0.4738% | 2,947 |
| Net operating income to assets | 0.7818% | 3,058 |
| Return on assets (ROA) | 0.7818% | 3,202 |
| Pretax return on assets | 0.7818% | 3,943 |
| Return on Equity (ROE) | 5.1273% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.1273% | 2,832 |
| Net charge-offs to loans | 0.0910% | 5,226 |
| Credit loss provision to net charge-offs | 666.6667% | 557 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,326 |
| Efficiency ratio | 76.3744% | 3,004 |
| Assets per employee ($millions) | 2.5362% | 7,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 5,664 |
| 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 | 79.9779% | 805 |
| Net loans and leases to deposits | 106.4107% | 373 |
| Net loans and leases to core deposits | 113.5913% | 935 |
| Total domestic deposits to total assets | 75.1597% | 6,834 |
| Equity capital to assets | 15.4247% | 789 |
| Core capital (leverage) ratio | 15.1698% | 690 |
| Tier 1 risk-based capital ratio | 19.3683% | 1,633 |
| Total risk-based capital ratio | 20.5416% | 1,619 |
| Memoranda: | ||
| Average total assets | $25,327,670 | 7,488 |
| Average earning assets | $22,449,000 | 7,493 |
| Average equity | $3,861,670 | 7,163 |
| Average total loans | $19,783,670 | 7,076 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3581% | 479 |
| Cost of funding earning assets | 1.5495% | 3,272 |
| Net interest margin | 4.8087% | 632 |
| Noninterest income to average assets | 1.0905% | 1,062 |
| Noninterest expense to average assets | 4.1248% | 876 |
| Loan and lease loss provision to assets | 0.8060% | 1,567 |
| Net operating income to assets | 0.4267% | 4,727 |
| Return on assets (ROA) | 0.4267% | 4,860 |
| Pretax return on assets | 0.4267% | 5,204 |
| Return on Equity (ROE) | 2.8151% | 5,422 |
| Retained earnings to average equity (ytd only) | 2.8151% | 4,442 |
| Net charge-offs to loans | 0.0206% | 5,295 |
| Credit loss provision to net charge-offs | 5,100.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 397 |
| Efficiency ratio | 76.9912% | 3,062 |
| Assets per employee ($millions) | 2.8812% | 6,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 5,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 76.7498% | 1,380 |
| Net loans and leases to deposits | 100.9946% | 695 |
| Net loans and leases to core deposits | 106.2744% | 1,555 |
| Total domestic deposits to total assets | 75.9940% | 6,760 |
| Equity capital to assets | 14.8471% | 920 |
| Core capital (leverage) ratio | 15.2114% | 706 |
| Tier 1 risk-based capital ratio | 18.6260% | 1,807 |
| Total risk-based capital ratio | 19.7726% | 1,796 |
| Memoranda: | ||
| Average total assets | $25,310,500 | 7,581 |
| Average earning assets | $22,459,500 | 7,586 |
| Average equity | $3,836,500 | 7,238 |
| Average total loans | $19,415,000 | 7,187 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6758% | 491 |
| Cost of funding earning assets | 2.0017% | 2,959 |
| Net interest margin | 4.6741% | 875 |
| Noninterest income to average assets | 1.0016% | 1,568 |
| Noninterest expense to average assets | 4.7738% | 621 |
| Loan and lease loss provision to assets | 0.2340% | 5,499 |
| Net operating income to assets | 0.1030% | 5,207 |
| Return on assets (ROA) | 0.1030% | 5,252 |
| Pretax return on assets | 0.1030% | 5,215 |
| Return on Equity (ROE) | 0.5819% | 5,363 |
| Retained earnings to average equity (ytd only) | 0.5819% | 4,578 |
| Net charge-offs to loans | 0.0061% | 7,155 |
| Credit loss provision to net charge-offs | 5,000.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 381 |
| Efficiency ratio | 93.4066% | 1,451 |
| Assets per employee ($millions) | 2.4690% | 7,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 6,421 |
| 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 | 74.9494% | 2,043 |
| Net loans and leases to deposits | 100.1407% | 889 |
| Net loans and leases to core deposits | 128.9188% | 1,337 |
| Total domestic deposits to total assets | 74.8441% | 6,890 |
| Equity capital to assets | 15.4840% | 794 |
| Core capital (leverage) ratio | 15.8729% | 636 |
| Tier 1 risk-based capital ratio | 20.0409% | 1,458 |
| Total risk-based capital ratio | 21.0159% | 1,467 |
| Memoranda: | ||
| Average total assets | $21,366,600 | 7,737 |
| Average earning assets | $18,784,200 | 7,738 |
| Average equity | $3,780,800 | 7,358 |
| Average total loans | $16,498,800 | 7,382 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7462% | 466 |
| Cost of funding earning assets | 2.0906% | 2,928 |
| Net interest margin | 4.6556% | 902 |
| Noninterest income to average assets | 0.9739% | 1,695 |
| Noninterest expense to average assets | 4.9473% | 505 |
| Loan and lease loss provision to assets | 0.3052% | 4,530 |
| Net operating income to assets | -0.2013% | 6,064 |
| Return on assets (ROA) | -0.2013% | 6,075 |
| Pretax return on assets | -0.2013% | 5,982 |
| Return on Equity (ROE) | -1.0962% | 5,951 |
| Retained earnings to average equity (ytd only) | -1.0962% | 5,518 |
| Net charge-offs to loans | 0.0083% | 6,841 |
| Credit loss provision to net charge-offs | 4,700.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 16.0376% | 1,496 |
| Efficiency ratio | 97.9434% | 1,166 |
| Assets per employee ($millions) | 2.2564% | 7,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 6,324 |
| 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 | 80.6373% | 1,057 |
| Net loans and leases to deposits | 107.8478% | 564 |
| Net loans and leases to core deposits | 139.2865% | 945 |
| Total domestic deposits to total assets | 74.7695% | 6,815 |
| Equity capital to assets | 16.7080% | 669 |
| Core capital (leverage) ratio | 16.6814% | 591 |
| Tier 1 risk-based capital ratio | 20.7166% | 1,416 |
| Total risk-based capital ratio | 21.7222% | 1,419 |
| Memoranda: | ||
| Average total assets | $20,535,750 | 7,830 |
| Average earning assets | $17,985,000 | 7,840 |
| Average equity | $3,770,250 | 7,429 |
| Average total loans | $15,950,750 | 7,473 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6324% | 621 |
| Cost of funding earning assets | 2.1224% | 3,178 |
| Net interest margin | 4.5101% | 1,147 |
| Noninterest income to average assets | 0.9769% | 1,668 |
| Noninterest expense to average assets | 5.0655% | 493 |
| Loan and lease loss provision to assets | 0.3424% | 3,883 |
| Net operating income to assets | -0.4935% | 6,541 |
| Return on assets (ROA) | -0.4935% | 6,551 |
| Pretax return on assets | -0.4935% | 6,419 |
| Return on Equity (ROE) | -2.5992% | 6,311 |
| Retained earnings to average equity (ytd only) | -2.5992% | 5,888 |
| Net charge-offs to loans | 0.0132% | 6,368 |
| Credit loss provision to net charge-offs | 3,400.0000% | 140 |
| Earnings coverage of net charge-offs (x) | -15.0000% | 6,551 |
| Efficiency ratio | 103.0738% | 1,060 |
| Assets per employee ($millions) | 2.1052% | 7,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 6,377 |
| 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 | 81.5789% | 1,033 |
| Net loans and leases to deposits | 106.0582% | 764 |
| Net loans and leases to core deposits | 141.2916% | 960 |
| Total domestic deposits to total assets | 76.9191% | 6,344 |
| Equity capital to assets | 17.8225% | 568 |
| Core capital (leverage) ratio | 18.1300% | 496 |
| Tier 1 risk-based capital ratio | 21.7684% | 1,286 |
| Total risk-based capital ratio | 22.7547% | 1,292 |
| Memoranda: | ||
| Average total assets | $19,859,670 | 7,930 |
| Average earning assets | $17,339,000 | 7,935 |
| Average equity | $3,770,330 | 7,488 |
| Average total loans | $15,141,670 | 7,584 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3101% | 1,269 |
| Cost of funding earning assets | 2.1751% | 3,296 |
| Net interest margin | 4.1350% | 2,141 |
| Noninterest income to average assets | 0.8721% | 1,973 |
| Noninterest expense to average assets | 5.2535% | 412 |
| Loan and lease loss provision to assets | 0.1038% | 5,642 |
| Net operating income to assets | -0.8929% | 7,187 |
| Return on assets (ROA) | -0.8929% | 7,215 |
| Pretax return on assets | -0.8929% | 7,095 |
| Return on Equity (ROE) | -4.5509% | 6,944 |
| Retained earnings to average equity (ytd only) | -4.5509% | 6,494 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6744% | 664 |
| Assets per employee ($millions) | 1.9696% | 7,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 6,270 |
| Loan loss allowance to noncurrent loans | 14,200.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 7,637 |
| Noncurrent loans to loans | 0.0070% | 7,554 |
| Net loans and leases to total assets | 72.2329% | 3,193 |
| Net loans and leases to deposits | 95.9727% | 1,955 |
| Net loans and leases to core deposits | 129.9863% | 1,660 |
| Total domestic deposits to total assets | 75.2640% | 6,657 |
| Equity capital to assets | 19.0800% | 484 |
| Core capital (leverage) ratio | 19.7488% | 407 |
| Tier 1 risk-based capital ratio | 25.5960% | 921 |
| Total risk-based capital ratio | 26.5631% | 920 |
| Memoranda: | ||
| Average total assets | $19,263,500 | 8,003 |
| Average earning assets | $16,735,000 | 8,008 |
| Average equity | $3,779,500 | 7,526 |
| Average total loans | $14,040,500 | 7,689 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9700% | 1,205 |
| Cost of funding earning assets | 3.1290% | 1,420 |
| Net interest margin | 3.8410% | 3,834 |
| Noninterest income to average assets | 0.7516% | 2,772 |
| Noninterest expense to average assets | 5.8598% | 425 |
| Loan and lease loss provision to assets | 0.3112% | 3,887 |
| Net operating income to assets | -2.1255% | 7,632 |
| Return on assets (ROA) | -2.1255% | 7,593 |
| Pretax return on assets | -2.1255% | 7,479 |
| Return on Equity (ROE) | -9.1042% | 7,207 |
| Retained earnings to average equity (ytd only) | -9.1042% | 6,979 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.8476% | 375 |
| Assets per employee ($millions) | 2.0923% | 7,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 6,066 |
| 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 | 72.0886% | 3,565 |
| Net loans and leases to deposits | 97.4655% | 2,203 |
| Net loans and leases to core deposits | 126.3026% | 2,138 |
| Total domestic deposits to total assets | 73.9631% | 6,661 |
| Equity capital to assets | 20.1848% | 458 |
| Core capital (leverage) ratio | 20.6812% | 391 |
| Tier 1 risk-based capital ratio | 26.6662% | 849 |
| Total risk-based capital ratio | 27.6273% | 851 |
| Memoranda: | ||
| Average total assets | $17,031,200 | 8,100 |
| Average earning assets | $14,605,400 | 8,116 |
| Average equity | $3,976,200 | 7,518 |
| Average total loans | $11,331,200 | 7,872 |