Home > Northern Hancock Bank & Trust Co. > Performance and Condition Ratios
Northern Hancock Bank & Trust Co., Performance and Condition Ratios
| 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 | 7.6293% | 44 |
| Cost of funding earning assets | 0.4919% | 2,242 |
| Net interest margin | 7.1374% | 39 |
| Noninterest income to average assets | 0.4744% | 3,183 |
| Noninterest expense to average assets | 7.8615% | 98 |
| Loan and lease loss provision to assets | 0.1280% | 1,624 |
| Net operating income to assets | -1.0693% | 5,720 |
| Return on assets (ROA) | -1.0693% | 5,720 |
| Pretax return on assets | -1.0693% | 5,717 |
| Return on Equity (ROE) | -8.6912% | 5,712 |
| Retained earnings to average equity (ytd only) | -8.6912% | 5,627 |
| Net charge-offs to loans | 0.2261% | 899 |
| Credit loss provision to net charge-offs | 77.2727% | 2,293 |
| Earnings coverage of net charge-offs (x) | -5.6818% | 3,467 |
| Efficiency ratio | 113.6017% | 90 |
| Assets per employee ($millions) | 2.0086% | 5,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 2,967 |
| Loan loss allowance to noncurrent loans | 39.4511% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 3.9522% | 175 |
| Noncurrent loans to loans | 3.0634% | 420 |
| Net loans and leases to total assets | 72.0014% | 2,203 |
| Net loans and leases to deposits | 84.1999% | 2,443 |
| Net loans and leases to core deposits | 84.1999% | 3,044 |
| Total domestic deposits to total assets | 85.5124% | 2,611 |
| Equity capital to assets | 12.3698% | 1,689 |
| Core capital (leverage) ratio | 12.0110% | 1,628 |
| Tier 1 risk-based capital ratio | 19.2436% | 1,535 |
| Total risk-based capital ratio | 20.4923% | 1,483 |
| Memoranda: | ||
| Average total assets | $26,559,670 | 5,641 |
| Average earning assets | $23,986,330 | 5,631 |
| Average equity | $3,267,670 | 5,612 |
| Average total loans | $19,457,670 | 5,426 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5867% | 45 |
| Cost of funding earning assets | 0.4804% | 2,245 |
| Net interest margin | 7.1063% | 41 |
| Noninterest income to average assets | 0.4779% | 3,135 |
| Noninterest expense to average assets | 9.0205% | 84 |
| Loan and lease loss provision to assets | 0.2539% | 582 |
| Net operating income to assets | -2.3895% | 5,828 |
| Return on assets (ROA) | -2.3895% | 5,828 |
| Pretax return on assets | -2.3895% | 5,823 |
| Return on Equity (ROE) | -19.4736% | 5,815 |
| Retained earnings to average equity (ytd only) | -19.4736% | 5,718 |
| Net charge-offs to loans | 0.4677% | 396 |
| Credit loss provision to net charge-offs | 73.9130% | 1,799 |
| Earnings coverage of net charge-offs (x) | -6.2174% | 2,908 |
| Efficiency ratio | 131.0195% | 49 |
| Assets per employee ($millions) | 1.6687% | 5,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 3,295 |
| Loan loss allowance to noncurrent loans | 33.9763% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 4.0526% | 186 |
| Noncurrent loans to loans | 3.4495% | 359 |
| Net loans and leases to total assets | 72.3248% | 2,028 |
| Net loans and leases to deposits | 84.2165% | 2,260 |
| Net loans and leases to core deposits | 84.2165% | 2,879 |
| Total domestic deposits to total assets | 85.8796% | 2,729 |
| Equity capital to assets | 12.0117% | 1,828 |
| Core capital (leverage) ratio | 11.9386% | 1,671 |
| Tier 1 risk-based capital ratio | 18.4707% | 1,749 |
| Total risk-based capital ratio | 19.7163% | 1,707 |
| Memoranda: | ||
| Average total assets | $26,783,500 | 5,707 |
| Average earning assets | $24,147,500 | 5,694 |
| Average equity | $3,286,500 | 5,672 |
| Average total loans | $19,671,000 | 5,476 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2309% | 38 |
| Cost of funding earning assets | 0.4426% | 2,595 |
| Net interest margin | 7.7883% | 34 |
| Noninterest income to average assets | 0.7516% | 1,950 |
| Noninterest expense to average assets | 7.4438% | 118 |
| Loan and lease loss provision to assets | 0.3014% | 626 |
| Net operating income to assets | -0.0114% | 5,653 |
| Return on assets (ROA) | -0.0114% | 5,669 |
| Pretax return on assets | -0.0114% | 5,662 |
| Return on Equity (ROE) | -0.0877% | 5,668 |
| Retained earnings to average equity (ytd only) | -2.1627% | 5,548 |
| Net charge-offs to loans | 0.6192% | 369 |
| Credit loss provision to net charge-offs | 65.2893% | 3,177 |
| Earnings coverage of net charge-offs (x) | 0.6281% | 4,086 |
| Efficiency ratio | 96.2506% | 302 |
| Assets per employee ($millions) | 1.7912% | 5,817 |
| Cash dividends to net income (ytd only)* | -2,366.6667% | 5,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 3,200 |
| Loan loss allowance to noncurrent loans | 28.7286% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 4.9538% | 123 |
| Noncurrent loans to loans | 4.1307% | 239 |
| Net loans and leases to total assets | 72.8301% | 2,035 |
| Net loans and leases to deposits | 85.3194% | 2,262 |
| Net loans and leases to core deposits | 85.3194% | 2,902 |
| Total domestic deposits to total assets | 85.3618% | 2,897 |
| Equity capital to assets | 12.5279% | 1,510 |
| Core capital (leverage) ratio | 12.4745% | 1,341 |
| Tier 1 risk-based capital ratio | 18.8238% | 1,645 |
| Total risk-based capital ratio | 20.0716% | 1,612 |
| Memoranda: | ||
| Average total assets | $26,209,800 | 5,767 |
| Average earning assets | $23,496,800 | 5,753 |
| Average equity | $3,421,600 | 5,711 |
| Average total loans | $19,541,400 | 5,533 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2073% | 39 |
| Cost of funding earning assets | 0.4341% | 2,694 |
| Net interest margin | 7.7732% | 33 |
| Noninterest income to average assets | 0.6092% | 2,613 |
| Noninterest expense to average assets | 7.2692% | 126 |
| Loan and lease loss provision to assets | 0.1178% | 1,966 |
| Net operating income to assets | 0.1894% | 5,484 |
| Return on assets (ROA) | 0.1894% | 5,550 |
| Pretax return on assets | 0.1894% | 5,580 |
| Return on Equity (ROE) | 1.4359% | 5,572 |
| Retained earnings to average equity (ytd only) | -1.3195% | 5,531 |
| Net charge-offs to loans | 0.2875% | 796 |
| Credit loss provision to net charge-offs | 54.7619% | 2,973 |
| Earnings coverage of net charge-offs (x) | 1.4286% | 3,696 |
| Efficiency ratio | 95.9459% | 318 |
| Assets per employee ($millions) | 1.6061% | 5,900 |
| Cash dividends to net income (ytd only)* | 191.8913% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 2,620 |
| Loan loss allowance to noncurrent loans | 24.6183% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 6.4791% | 87 |
| Noncurrent loans to loans | 5.3306% | 150 |
| Net loans and leases to total assets | 75.5000% | 1,612 |
| Net loans and leases to deposits | 89.3031% | 1,842 |
| Net loans and leases to core deposits | 89.3031% | 2,642 |
| Total domestic deposits to total assets | 84.5435% | 3,011 |
| Equity capital to assets | 13.3357% | 1,327 |
| Core capital (leverage) ratio | 13.3307% | 1,058 |
| Tier 1 risk-based capital ratio | 20.9490% | 1,278 |
| Total risk-based capital ratio | 22.1983% | 1,263 |
| Memoranda: | ||
| Average total assets | $26,045,250 | 5,829 |
| Average earning assets | $23,344,500 | 5,814 |
| Average equity | $3,435,500 | 5,771 |
| Average total loans | $19,476,000 | 5,588 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0718% | 38 |
| Cost of funding earning assets | 0.4423% | 2,640 |
| Net interest margin | 7.6295% | 34 |
| Noninterest income to average assets | 0.6422% | 2,406 |
| Noninterest expense to average assets | 7.2168% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2829% | 5,363 |
| Return on assets (ROA) | 0.2829% | 5,447 |
| Pretax return on assets | 0.2829% | 5,521 |
| Return on Equity (ROE) | 2.1522% | 5,475 |
| Retained earnings to average equity (ytd only) | -1.9777% | 5,537 |
| Net charge-offs to loans | 0.2987% | 800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.2759% | 3,433 |
| Efficiency ratio | 96.2283% | 336 |
| Assets per employee ($millions) | 1.4669% | 5,989 |
| Cash dividends to net income (ytd only)* | 191.8919% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,945 |
| Loan loss allowance to noncurrent loans | 27.2228% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 6.0751% | 103 |
| Noncurrent loans to loans | 4.6713% | 203 |
| Net loans and leases to total assets | 77.2075% | 1,302 |
| Net loans and leases to deposits | 91.8563% | 1,533 |
| Net loans and leases to core deposits | 91.8563% | 2,366 |
| Total domestic deposits to total assets | 84.0525% | 3,244 |
| Equity capital to assets | 13.7621% | 1,112 |
| Core capital (leverage) ratio | 13.1550% | 1,098 |
| Tier 1 risk-based capital ratio | 20.9903% | 1,269 |
| Total risk-based capital ratio | 22.2421% | 1,259 |
| Memoranda: | ||
| Average total assets | $26,161,000 | 5,899 |
| Average earning assets | $23,514,000 | 5,886 |
| Average equity | $3,438,330 | 5,837 |
| Average total loans | $19,414,670 | 5,652 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1643% | 38 |
| Cost of funding earning assets | 0.4480% | 2,607 |
| Net interest margin | 7.7162% | 36 |
| Noninterest income to average assets | 0.7620% | 1,765 |
| Noninterest expense to average assets | 7.1715% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5379% | 4,473 |
| Return on assets (ROA) | 0.5379% | 4,582 |
| Pretax return on assets | 0.5379% | 4,986 |
| Return on Equity (ROE) | 4.1842% | 4,825 |
| Retained earnings to average equity (ytd only) | -4.1842% | 5,559 |
| Net charge-offs to loans | 0.4543% | 500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.6364% | 2,789 |
| Efficiency ratio | 93.0233% | 498 |
| Assets per employee ($millions) | 1.6322% | 6,038 |
| Cash dividends to net income (ytd only)* | 200.0000% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,890 |
| Loan loss allowance to noncurrent loans | 42.9293% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 4.5797% | 191 |
| Noncurrent loans to loans | 3.0289% | 530 |
| Net loans and leases to total assets | 74.1183% | 1,707 |
| Net loans and leases to deposits | 87.4413% | 1,892 |
| Net loans and leases to core deposits | 87.4413% | 2,619 |
| Total domestic deposits to total assets | 84.7635% | 3,223 |
| Equity capital to assets | 13.1151% | 1,357 |
| Core capital (leverage) ratio | 12.9146% | 1,192 |
| Tier 1 risk-based capital ratio | 21.0647% | 1,310 |
| Total risk-based capital ratio | 22.3151% | 1,282 |
| Memoranda: | ||
| Average total assets | $26,772,500 | 5,954 |
| Average earning assets | $24,105,000 | 5,939 |
| Average equity | $3,441,500 | 5,890 |
| Average total loans | $19,371,000 | 5,701 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1995% | 37 |
| Cost of funding earning assets | 0.5067% | 2,101 |
| Net interest margin | 7.6928% | 34 |
| Noninterest income to average assets | 0.7727% | 1,890 |
| Noninterest expense to average assets | 6.6331% | 154 |
| Loan and lease loss provision to assets | 0.3733% | 381 |
| Net operating income to assets | 0.6234% | 4,170 |
| Return on assets (ROA) | 0.6234% | 4,259 |
| Pretax return on assets | 0.6234% | 4,772 |
| Return on Equity (ROE) | 4.8813% | 4,562 |
| Retained earnings to average equity (ytd only) | 1.2276% | 5,016 |
| Net charge-offs to loans | 0.6758% | 353 |
| Credit loss provision to net charge-offs | 75.1880% | 3,034 |
| Earnings coverage of net charge-offs (x) | 2.0075% | 3,992 |
| Efficiency ratio | 86.9374% | 914 |
| Assets per employee ($millions) | 1.7144% | 6,088 |
| Cash dividends to net income (ytd only)* | 74.8503% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 2,216 |
| Loan loss allowance to noncurrent loans | 30.2072% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 5.9132% | 139 |
| Noncurrent loans to loans | 4.7933% | 210 |
| Net loans and leases to total assets | 68.7350% | 2,582 |
| Net loans and leases to deposits | 80.5142% | 2,764 |
| Net loans and leases to core deposits | 80.5142% | 3,292 |
| Total domestic deposits to total assets | 85.3700% | 2,914 |
| Equity capital to assets | 12.6066% | 1,561 |
| Core capital (leverage) ratio | 12.7267% | 1,252 |
| Tier 1 risk-based capital ratio | 21.5090% | 1,216 |
| Total risk-based capital ratio | 22.7603% | 1,196 |
| Memoranda: | ||
| Average total assets | $26,789,800 | 6,004 |
| Average earning assets | $23,879,400 | 5,995 |
| Average equity | $3,421,200 | 5,933 |
| Average total loans | $19,680,400 | 5,730 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3325% | 37 |
| Cost of funding earning assets | 0.5123% | 2,099 |
| Net interest margin | 7.8202% | 34 |
| Noninterest income to average assets | 0.6960% | 2,238 |
| Noninterest expense to average assets | 6.7392% | 157 |
| Loan and lease loss provision to assets | 0.2754% | 580 |
| Net operating income to assets | 0.6359% | 4,209 |
| Return on assets (ROA) | 0.6359% | 4,319 |
| Pretax return on assets | 0.6359% | 4,882 |
| Return on Equity (ROE) | 4.9628% | 4,644 |
| Retained earnings to average equity (ytd only) | 0.0783% | 5,577 |
| Net charge-offs to loans | 0.6863% | 316 |
| Credit loss provision to net charge-offs | 53.9216% | 2,991 |
| Earnings coverage of net charge-offs (x) | 1.7843% | 3,779 |
| Efficiency ratio | 88.0890% | 835 |
| Assets per employee ($millions) | 1.6669% | 6,178 |
| Cash dividends to net income (ytd only)* | 98.4232% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 2,769 |
| Loan loss allowance to noncurrent loans | 56.1966% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 4.7807% | 214 |
| Noncurrent loans to loans | 2.4259% | 851 |
| Net loans and leases to total assets | 71.3498% | 2,162 |
| Net loans and leases to deposits | 83.7433% | 2,436 |
| Net loans and leases to core deposits | 83.7433% | 3,074 |
| Total domestic deposits to total assets | 85.2006% | 2,931 |
| Equity capital to assets | 12.8346% | 1,539 |
| Core capital (leverage) ratio | 12.8907% | 1,239 |
| Tier 1 risk-based capital ratio | 21.3014% | 1,295 |
| Total risk-based capital ratio | 22.5552% | 1,278 |
| Memoranda: | ||
| Average total assets | $26,629,750 | 6,090 |
| Average earning assets | $23,681,750 | 6,082 |
| Average equity | $3,412,000 | 6,013 |
| Average total loans | $19,817,750 | 5,801 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2484% | 38 |
| Cost of funding earning assets | 0.5324% | 1,962 |
| Net interest margin | 7.7159% | 36 |
| Noninterest income to average assets | 0.7439% | 2,025 |
| Noninterest expense to average assets | 6.7553% | 160 |
| Loan and lease loss provision to assets | 0.3381% | 401 |
| Net operating income to assets | 0.5110% | 4,720 |
| Return on assets (ROA) | 0.5110% | 4,834 |
| Pretax return on assets | 0.5110% | 5,193 |
| Return on Equity (ROE) | 3.9902% | 5,024 |
| Retained earnings to average equity (ytd only) | -1.2323% | 5,727 |
| Net charge-offs to loans | 0.9403% | 219 |
| Credit loss provision to net charge-offs | 47.8723% | 2,727 |
| Earnings coverage of net charge-offs (x) | 1.2021% | 3,560 |
| Efficiency ratio | 88.8340% | 840 |
| Assets per employee ($millions) | 1.6399% | 6,263 |
| Cash dividends to net income (ytd only)* | 130.8824% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 3,075 |
| Loan loss allowance to noncurrent loans | 29.1946% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 6.4941% | 139 |
| Noncurrent loans to loans | 4.5566% | 291 |
| Net loans and leases to total assets | 73.7795% | 1,696 |
| Net loans and leases to deposits | 86.7378% | 1,975 |
| Net loans and leases to core deposits | 86.7378% | 2,682 |
| Total domestic deposits to total assets | 85.0604% | 3,095 |
| Equity capital to assets | 12.9426% | 1,434 |
| Core capital (leverage) ratio | 12.7961% | 1,256 |
| Tier 1 risk-based capital ratio | 20.4817% | 1,454 |
| Total risk-based capital ratio | 21.7375% | 1,426 |
| Memoranda: | ||
| Average total assets | $26,616,330 | 6,159 |
| Average earning assets | $23,665,330 | 6,152 |
| Average equity | $3,408,330 | 6,077 |
| Average total loans | $19,993,000 | 5,847 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2814% | 35 |
| Cost of funding earning assets | 0.5354% | 1,968 |
| Net interest margin | 7.7460% | 35 |
| Noninterest income to average assets | 0.7163% | 2,090 |
| Noninterest expense to average assets | 6.6256% | 164 |
| Loan and lease loss provision to assets | 0.5223% | 192 |
| Net operating income to assets | 0.4775% | 4,772 |
| Return on assets (ROA) | 0.4775% | 4,886 |
| Pretax return on assets | 0.4775% | 5,238 |
| Return on Equity (ROE) | 3.7487% | 5,088 |
| Retained earnings to average equity (ytd only) | -3.2801% | 5,814 |
| Net charge-offs to loans | 1.6056% | 115 |
| Credit loss provision to net charge-offs | 43.2099% | 2,165 |
| Earnings coverage of net charge-offs (x) | 0.8272% | 3,005 |
| Efficiency ratio | 86.8885% | 1,106 |
| Assets per employee ($millions) | 1.6757% | 6,322 |
| Cash dividends to net income (ytd only)* | 187.5000% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 3,293 |
| Loan loss allowance to noncurrent loans | 58.1498% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 4.8077% | 262 |
| Noncurrent loans to loans | 2.2748% | 1,093 |
| Net loans and leases to total assets | 73.4549% | 1,574 |
| Net loans and leases to deposits | 86.0526% | 1,825 |
| Net loans and leases to core deposits | 86.0526% | 2,545 |
| Total domestic deposits to total assets | 85.3605% | 3,241 |
| Equity capital to assets | 12.6814% | 1,578 |
| Core capital (leverage) ratio | 12.5888% | 1,324 |
| Tier 1 risk-based capital ratio | 20.4295% | 1,532 |
| Total risk-based capital ratio | 21.6790% | 1,504 |
| Memoranda: | ||
| Average total assets | $26,805,000 | 6,223 |
| Average earning assets | $23,909,000 | 6,214 |
| Average equity | $3,414,500 | 6,137 |
| Average total loans | $20,179,500 | 5,890 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4394% | 38 |
| Cost of funding earning assets | 0.7573% | 809 |
| Net interest margin | 7.6822% | 41 |
| Noninterest income to average assets | 0.5840% | 2,957 |
| Noninterest expense to average assets | 5.9630% | 186 |
| Loan and lease loss provision to assets | 0.8833% | 137 |
| Net operating income to assets | 0.5768% | 4,474 |
| Return on assets (ROA) | 0.5768% | 4,556 |
| Pretax return on assets | 0.5768% | 5,007 |
| Return on Equity (ROE) | 4.6877% | 4,805 |
| Retained earnings to average equity (ytd only) | 0.3223% | 5,631 |
| Net charge-offs to loans | 1.1970% | 224 |
| Credit loss provision to net charge-offs | 101.6598% | 2,354 |
| Earnings coverage of net charge-offs (x) | 1.6805% | 4,356 |
| Efficiency ratio | 80.3303% | 1,878 |
| Assets per employee ($millions) | 1.5764% | 6,422 |
| Cash dividends to net income (ytd only)* | 93.1250% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 2,383 |
| Loan loss allowance to noncurrent loans | 57.1956% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 4.9591% | 283 |
| Noncurrent loans to loans | 2.6567% | 926 |
| Net loans and leases to total assets | 74.9692% | 1,425 |
| Net loans and leases to deposits | 87.9525% | 1,739 |
| Net loans and leases to core deposits | 87.9525% | 2,507 |
| Total domestic deposits to total assets | 85.2383% | 3,191 |
| Equity capital to assets | 12.7953% | 1,470 |
| Core capital (leverage) ratio | 12.4155% | 1,394 |
| Tier 1 risk-based capital ratio | 17.6129% | 2,275 |
| Total risk-based capital ratio | 18.8676% | 2,246 |
| Memoranda: | ||
| Average total assets | $27,737,600 | 6,296 |
| Average earning assets | $24,693,600 | 6,283 |
| Average equity | $3,413,200 | 6,198 |
| Average total loans | $20,134,200 | 5,953 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2447% | 43 |
| Cost of funding earning assets | 0.8089% | 658 |
| Net interest margin | 7.4357% | 43 |
| Noninterest income to average assets | 0.6625% | 2,511 |
| Noninterest expense to average assets | 5.8342% | 194 |
| Loan and lease loss provision to assets | 0.8770% | 134 |
| Net operating income to assets | 0.5672% | 4,603 |
| Return on assets (ROA) | 0.5672% | 4,676 |
| Pretax return on assets | 0.5672% | 5,135 |
| Return on Equity (ROE) | 4.6538% | 4,875 |
| Retained earnings to average equity (ytd only) | -1.1733% | 5,986 |
| Net charge-offs to loans | 1.1229% | 257 |
| Credit loss provision to net charge-offs | 108.8757% | 2,057 |
| Earnings coverage of net charge-offs (x) | 1.7929% | 4,075 |
| Efficiency ratio | 80.1572% | 1,891 |
| Assets per employee ($millions) | 1.8214% | 6,472 |
| Cash dividends to net income (ytd only)* | 125.2111% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 2,222 |
| Loan loss allowance to noncurrent loans | 35.4305% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 6.1345% | 221 |
| Noncurrent loans to loans | 4.5813% | 424 |
| Net loans and leases to total assets | 71.2090% | 1,990 |
| Net loans and leases to deposits | 83.1020% | 2,276 |
| Net loans and leases to core deposits | 83.1020% | 2,987 |
| Total domestic deposits to total assets | 85.6887% | 3,022 |
| Equity capital to assets | 12.3861% | 1,782 |
| Core capital (leverage) ratio | 11.6686% | 1,927 |
| Tier 1 risk-based capital ratio | 17.4592% | 2,410 |
| Total risk-based capital ratio | 18.7129% | 2,370 |
| Memoranda: | ||
| Average total assets | $27,972,250 | 6,365 |
| Average earning assets | $24,888,250 | 6,351 |
| Average equity | $3,409,250 | 6,266 |
| Average total loans | $20,067,500 | 6,024 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0571% | 43 |
| Cost of funding earning assets | 0.8225% | 640 |
| Net interest margin | 7.2346% | 44 |
| Noninterest income to average assets | 0.5889% | 2,870 |
| Noninterest expense to average assets | 5.7540% | 201 |
| Loan and lease loss provision to assets | 0.5605% | 257 |
| Net operating income to assets | 0.7024% | 3,828 |
| Return on assets (ROA) | 0.7024% | 3,917 |
| Pretax return on assets | 0.7024% | 4,633 |
| Return on Equity (ROE) | 5.7934% | 4,277 |
| Retained earnings to average equity (ytd only) | 0.5852% | 5,503 |
| Net charge-offs to loans | 0.8431% | 445 |
| Credit loss provision to net charge-offs | 92.9412% | 2,130 |
| Earnings coverage of net charge-offs (x) | 2.0941% | 3,642 |
| Efficiency ratio | 82.0020% | 1,746 |
| Assets per employee ($millions) | 1.6411% | 6,559 |
| Cash dividends to net income (ytd only)* | 89.8990% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 2,823 |
| Loan loss allowance to noncurrent loans | 30.9598% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 6.0506% | 242 |
| Noncurrent loans to loans | 4.8972% | 414 |
| Net loans and leases to total assets | 69.8509% | 2,109 |
| Net loans and leases to deposits | 84.9847% | 1,930 |
| Net loans and leases to core deposits | 84.9847% | 2,619 |
| Total domestic deposits to total assets | 82.1923% | 4,584 |
| Equity capital to assets | 12.3055% | 1,772 |
| Core capital (leverage) ratio | 11.9721% | 1,673 |
| Tier 1 risk-based capital ratio | 17.5277% | 2,403 |
| Total risk-based capital ratio | 18.7819% | 2,379 |
| Memoranda: | ||
| Average total assets | $28,189,330 | 6,421 |
| Average earning assets | $25,046,330 | 6,409 |
| Average equity | $3,417,670 | 6,311 |
| Average total loans | $20,164,670 | 6,070 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9513% | 42 |
| Cost of funding earning assets | 0.8253% | 649 |
| Net interest margin | 7.1260% | 43 |
| Noninterest income to average assets | 0.4376% | 3,886 |
| Noninterest expense to average assets | 5.5338% | 235 |
| Loan and lease loss provision to assets | 0.7764% | 157 |
| Net operating income to assets | 0.4659% | 4,870 |
| Return on assets (ROA) | 0.4659% | 4,936 |
| Pretax return on assets | 0.4659% | 5,269 |
| Return on Equity (ROE) | 3.8710% | 5,099 |
| Retained earnings to average equity (ytd only) | -3.0499% | 5,966 |
| Net charge-offs to loans | 0.7468% | 469 |
| Credit loss provision to net charge-offs | 144.7368% | 1,288 |
| Earnings coverage of net charge-offs (x) | 2.3158% | 2,909 |
| Efficiency ratio | 81.6667% | 1,970 |
| Assets per employee ($millions) | 1.6586% | 6,630 |
| Cash dividends to net income (ytd only)* | 178.7879% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 2,723 |
| Loan loss allowance to noncurrent loans | 32.9928% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 5.9865% | 282 |
| Noncurrent loans to loans | 4.8393% | 472 |
| Net loans and leases to total assets | 70.5997% | 1,786 |
| Net loans and leases to deposits | 85.5663% | 1,650 |
| Net loans and leases to core deposits | 85.5663% | 2,360 |
| Total domestic deposits to total assets | 82.5088% | 4,782 |
| Equity capital to assets | 12.0474% | 1,839 |
| Core capital (leverage) ratio | 11.8632% | 1,727 |
| Tier 1 risk-based capital ratio | 17.1394% | 2,627 |
| Total risk-based capital ratio | 18.3942% | 2,578 |
| Memoranda: | ||
| Average total assets | $28,335,000 | 6,484 |
| Average earning assets | $25,203,500 | 6,474 |
| Average equity | $3,410,000 | 6,361 |
| Average total loans | $20,353,500 | 6,125 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7573% | 28 |
| Cost of funding earning assets | 1.0105% | 421 |
| Net interest margin | 8.7468% | 28 |
| Noninterest income to average assets | 0.9686% | 1,469 |
| Noninterest expense to average assets | 5.9818% | 202 |
| Loan and lease loss provision to assets | 0.8395% | 244 |
| Net operating income to assets | 1.1488% | 1,763 |
| Return on assets (ROA) | 1.1488% | 1,829 |
| Pretax return on assets | 1.1488% | 2,775 |
| Return on Equity (ROE) | 9.8239% | 2,182 |
| Retained earnings to average equity (ytd only) | 2.3542% | 4,569 |
| Net charge-offs to loans | 1.4590% | 333 |
| Credit loss provision to net charge-offs | 78.6624% | 3,081 |
| Earnings coverage of net charge-offs (x) | 1.8631% | 4,429 |
| Efficiency ratio | 75.0533% | 2,936 |
| Assets per employee ($millions) | 1.6749% | 6,700 |
| Cash dividends to net income (ytd only)* | 76.0355% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 3,222 |
| Loan loss allowance to noncurrent loans | 29.9706% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 5.9319% | 327 |
| Noncurrent loans to loans | 4.9861% | 506 |
| Net loans and leases to total assets | 70.8426% | 1,868 |
| Net loans and leases to deposits | 85.7975% | 1,712 |
| Net loans and leases to core deposits | 85.7975% | 2,470 |
| Total domestic deposits to total assets | 82.5695% | 4,692 |
| Equity capital to assets | 12.0219% | 1,785 |
| Core capital (leverage) ratio | 11.6265% | 1,876 |
| Tier 1 risk-based capital ratio | 17.1304% | 2,551 |
| Total risk-based capital ratio | 18.3851% | 2,524 |
| Memoranda: | ||
| Average total assets | $29,422,600 | 6,526 |
| Average earning assets | $23,551,600 | 6,588 |
| Average equity | $3,440,600 | 6,445 |
| Average total loans | $21,521,000 | 6,131 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9512% | 27 |
| Cost of funding earning assets | 1.0609% | 374 |
| Net interest margin | 8.8903% | 27 |
| Noninterest income to average assets | 1.0114% | 1,420 |
| Noninterest expense to average assets | 5.6955% | 232 |
| Loan and lease loss provision to assets | 0.8406% | 219 |
| Net operating income to assets | 1.4070% | 1,088 |
| Return on assets (ROA) | 1.4070% | 1,138 |
| Pretax return on assets | 1.4070% | 1,910 |
| Return on Equity (ROE) | 12.1138% | 1,442 |
| Retained earnings to average equity (ytd only) | 4.4894% | 3,477 |
| Net charge-offs to loans | 1.5364% | 293 |
| Credit loss provision to net charge-offs | 74.5020% | 2,975 |
| Earnings coverage of net charge-offs (x) | 1.9920% | 4,161 |
| Efficiency ratio | 71.7035% | 3,461 |
| Assets per employee ($millions) | 1.7261% | 6,760 |
| Cash dividends to net income (ytd only)* | 62.9397% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 3,701 |
| Loan loss allowance to noncurrent loans | 25.1015% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 6.4954% | 331 |
| Noncurrent loans to loans | 5.7604% | 458 |
| Net loans and leases to total assets | 71.7728% | 1,636 |
| Net loans and leases to deposits | 86.5070% | 1,559 |
| Net loans and leases to core deposits | 86.5070% | 2,349 |
| Total domestic deposits to total assets | 82.9676% | 4,584 |
| Equity capital to assets | 11.8184% | 2,033 |
| Core capital (leverage) ratio | 11.4736% | 2,062 |
| Tier 1 risk-based capital ratio | 16.5386% | 2,920 |
| Total risk-based capital ratio | 17.7903% | 2,883 |
| Memoranda: | ||
| Average total assets | $29,660,000 | 6,593 |
| Average earning assets | $23,125,750 | 6,670 |
| Average equity | $3,445,000 | 6,521 |
| Average total loans | $21,782,000 | 6,192 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1274% | 24 |
| Cost of funding earning assets | 1.0906% | 351 |
| Net interest margin | 9.0367% | 24 |
| Noninterest income to average assets | 1.1691% | 1,112 |
| Noninterest expense to average assets | 5.8256% | 222 |
| Loan and lease loss provision to assets | 0.8063% | 266 |
| Net operating income to assets | 1.5521% | 813 |
| Return on assets (ROA) | 1.5521% | 885 |
| Pretax return on assets | 1.5521% | 1,476 |
| Return on Equity (ROE) | 13.4407% | 1,133 |
| Retained earnings to average equity (ytd only) | 5.4112% | 2,801 |
| Net charge-offs to loans | 0.9489% | 649 |
| Credit loss provision to net charge-offs | 115.3846% | 1,917 |
| Earnings coverage of net charge-offs (x) | 3.3750% | 3,407 |
| Efficiency ratio | 71.1823% | 3,617 |
| Assets per employee ($millions) | 1.7476% | 6,811 |
| Cash dividends to net income (ytd only)* | 59.7403% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 2,391 |
| Loan loss allowance to noncurrent loans | 31.1699% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 6.2574% | 424 |
| Noncurrent loans to loans | 5.8223% | 509 |
| Net loans and leases to total assets | 70.8405% | 1,743 |
| Net loans and leases to deposits | 85.1169% | 1,670 |
| Net loans and leases to core deposits | 85.1169% | 2,424 |
| Total domestic deposits to total assets | 83.2273% | 4,616 |
| Equity capital to assets | 11.6194% | 2,198 |
| Core capital (leverage) ratio | 11.0857% | 2,276 |
| Tier 1 risk-based capital ratio | 16.2562% | 3,067 |
| Total risk-based capital ratio | 17.5140% | 3,009 |
| Memoranda: | ||
| Average total assets | $29,765,330 | 6,642 |
| Average earning assets | $23,105,670 | 6,721 |
| Average equity | $3,437,330 | 6,572 |
| Average total loans | $21,919,330 | 6,225 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4421% | 22 |
| Cost of funding earning assets | 1.1090% | 362 |
| Net interest margin | 9.3331% | 25 |
| Noninterest income to average assets | 1.4231% | 752 |
| Noninterest expense to average assets | 5.7999% | 232 |
| Loan and lease loss provision to assets | 0.9398% | 200 |
| Net operating income to assets | 2.0273% | 325 |
| Return on assets (ROA) | 2.0273% | 356 |
| Pretax return on assets | 2.0273% | 566 |
| Return on Equity (ROE) | 17.6093% | 462 |
| Retained earnings to average equity (ytd only) | 10.6122% | 959 |
| Net charge-offs to loans | 0.9566% | 644 |
| Credit loss provision to net charge-offs | 132.0755% | 1,497 |
| Earnings coverage of net charge-offs (x) | 4.1698% | 2,607 |
| Efficiency ratio | 66.1562% | 4,638 |
| Assets per employee ($millions) | 1.7928% | 6,883 |
| Cash dividends to net income (ytd only)* | 39.7351% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7698% | 2,737 |
| Loan loss allowance to noncurrent loans | 36.7232% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 5.2499% | 674 |
| Noncurrent loans to loans | 4.8194% | 806 |
| Net loans and leases to total assets | 71.0241% | 1,518 |
| Net loans and leases to deposits | 85.0330% | 1,464 |
| Net loans and leases to core deposits | 85.0330% | 2,215 |
| Total domestic deposits to total assets | 83.5253% | 4,659 |
| Equity capital to assets | 11.3856% | 2,542 |
| Core capital (leverage) ratio | 11.2042% | 2,091 |
| Tier 1 risk-based capital ratio | 15.8590% | 3,347 |
| Total risk-based capital ratio | 17.1148% | 3,306 |
| Memoranda: | ||
| Average total assets | $29,793,500 | 6,713 |
| Average earning assets | $23,443,500 | 6,777 |
| Average equity | $3,430,000 | 6,637 |
| Average total loans | $22,161,500 | 6,268 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8651% | 28 |
| Cost of funding earning assets | 1.4444% | 210 |
| Net interest margin | 8.4206% | 32 |
| Noninterest income to average assets | 0.7145% | 2,644 |
| Noninterest expense to average assets | 5.3586% | 295 |
| Loan and lease loss provision to assets | 0.9569% | 447 |
| Net operating income to assets | 1.1674% | 1,703 |
| Return on assets (ROA) | 1.1674% | 1,865 |
| Pretax return on assets | 1.1674% | 2,913 |
| Return on Equity (ROE) | 10.7325% | 1,895 |
| Retained earnings to average equity (ytd only) | 0.4105% | 5,653 |
| Net charge-offs to loans | 1.3647% | 685 |
| Credit loss provision to net charge-offs | 92.5926% | 3,364 |
| Earnings coverage of net charge-offs (x) | 2.0556% | 4,386 |
| Efficiency ratio | 71.6113% | 3,497 |
| Assets per employee ($millions) | 1.7124% | 6,961 |
| Cash dividends to net income (ytd only)* | 96.1749% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6736% | 3,031 |
| Loan loss allowance to noncurrent loans | 24.1737% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 7.8221% | 367 |
| Noncurrent loans to loans | 6.9233% | 467 |
| Net loans and leases to total assets | 75.2800% | 1,011 |
| Net loans and leases to deposits | 90.6399% | 1,014 |
| Net loans and leases to core deposits | 90.6399% | 1,760 |
| Total domestic deposits to total assets | 83.0539% | 4,699 |
| Equity capital to assets | 11.6455% | 2,309 |
| Core capital (leverage) ratio | 10.7058% | 2,544 |
| Tier 1 risk-based capital ratio | 15.3921% | 3,491 |
| Total risk-based capital ratio | 16.6496% | 3,449 |
| Memoranda: | ||
| Average total assets | $31,351,600 | 6,723 |
| Average earning assets | $25,200,000 | 6,781 |
| Average equity | $3,410,200 | 6,706 |
| Average total loans | $23,741,400 | 6,252 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8963% | 28 |
| Cost of funding earning assets | 1.4957% | 207 |
| Net interest margin | 8.4006% | 33 |
| Noninterest income to average assets | 0.6768% | 2,832 |
| Noninterest expense to average assets | 5.2267% | 316 |
| Loan and lease loss provision to assets | 0.8690% | 522 |
| Net operating income to assets | 1.3161% | 1,401 |
| Return on assets (ROA) | 1.3161% | 1,541 |
| Pretax return on assets | 1.3161% | 2,535 |
| Return on Equity (ROE) | 12.2975% | 1,536 |
| Retained earnings to average equity (ytd only) | 1.0930% | 5,731 |
| Net charge-offs to loans | 1.1449% | 881 |
| Credit loss provision to net charge-offs | 100.4831% | 2,943 |
| Earnings coverage of net charge-offs (x) | 2.5266% | 4,031 |
| Efficiency ratio | 70.5186% | 3,589 |
| Assets per employee ($millions) | 1.8641% | 7,033 |
| Cash dividends to net income (ytd only)* | 91.1117% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 3,027 |
| Loan loss allowance to noncurrent loans | 39.7602% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 5.2668% | 825 |
| Noncurrent loans to loans | 4.3605% | 1,108 |
| Net loans and leases to total assets | 71.1856% | 1,697 |
| Net loans and leases to deposits | 84.3826% | 1,822 |
| Net loans and leases to core deposits | 85.2790% | 2,551 |
| Total domestic deposits to total assets | 84.3605% | 4,055 |
| Equity capital to assets | 10.8113% | 3,488 |
| Core capital (leverage) ratio | 10.3545% | 3,096 |
| Tier 1 risk-based capital ratio | 14.8219% | 3,962 |
| Total risk-based capital ratio | 16.0805% | 3,917 |
| Memoranda: | ||
| Average total assets | $31,912,000 | 6,793 |
| Average earning assets | $25,584,750 | 6,855 |
| Average equity | $3,415,250 | 6,791 |
| Average total loans | $24,105,000 | 6,325 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8779% | 27 |
| Cost of funding earning assets | 1.5132% | 231 |
| Net interest margin | 8.3647% | 31 |
| Noninterest income to average assets | 0.6878% | 2,730 |
| Noninterest expense to average assets | 5.2898% | 312 |
| Loan and lease loss provision to assets | 0.8504% | 575 |
| Net operating income to assets | 1.3568% | 1,293 |
| Return on assets (ROA) | 1.3568% | 1,450 |
| Pretax return on assets | 1.3568% | 2,363 |
| Return on Equity (ROE) | 12.7210% | 1,438 |
| Retained earnings to average equity (ytd only) | -0.5862% | 6,144 |
| Net charge-offs to loans | 1.3476% | 774 |
| Credit loss provision to net charge-offs | 82.4242% | 3,257 |
| Earnings coverage of net charge-offs (x) | 2.1394% | 3,917 |
| Efficiency ratio | 70.5588% | 3,677 |
| Assets per employee ($millions) | 1.8523% | 7,094 |
| Cash dividends to net income (ytd only)* | 104.6083% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 3,830 |
| Loan loss allowance to noncurrent loans | 48.0418% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 4.2364% | 1,180 |
| Noncurrent loans to loans | 3.2017% | 1,814 |
| Net loans and leases to total assets | 74.8103% | 1,129 |
| Net loans and leases to deposits | 88.6969% | 1,292 |
| Net loans and leases to core deposits | 89.6351% | 2,021 |
| Total domestic deposits to total assets | 84.3437% | 4,169 |
| Equity capital to assets | 10.7752% | 3,371 |
| Core capital (leverage) ratio | 10.0755% | 3,313 |
| Tier 1 risk-based capital ratio | 14.4162% | 4,162 |
| Total risk-based capital ratio | 15.6725% | 4,123 |
| Memoranda: | ||
| Average total assets | $31,986,330 | 6,844 |
| Average earning assets | $26,038,000 | 6,901 |
| Average equity | $3,411,670 | 6,829 |
| Average total loans | $24,488,000 | 6,344 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6733% | 28 |
| Cost of funding earning assets | 1.5313% | 247 |
| Net interest margin | 8.1419% | 35 |
| Noninterest income to average assets | 0.4095% | 4,601 |
| Noninterest expense to average assets | 4.9760% | 371 |
| Loan and lease loss provision to assets | 0.5832% | 987 |
| Net operating income to assets | 1.5139% | 997 |
| Return on assets (ROA) | 1.5139% | 1,119 |
| Pretax return on assets | 1.5139% | 1,837 |
| Return on Equity (ROE) | 14.2648% | 1,132 |
| Retained earnings to average equity (ytd only) | 1.6369% | 5,419 |
| Net charge-offs to loans | 1.5180% | 656 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 1.7979% | 3,437 |
| Efficiency ratio | 70.3509% | 3,751 |
| Assets per employee ($millions) | 1.9358% | 7,139 |
| Cash dividends to net income (ytd only)* | 88.5246% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 4,516 |
| Loan loss allowance to noncurrent loans | 57.7558% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 3.7498% | 1,494 |
| Noncurrent loans to loans | 2.4593% | 2,653 |
| Net loans and leases to total assets | 73.8149% | 1,095 |
| Net loans and leases to deposits | 86.9679% | 1,296 |
| Net loans and leases to core deposits | 87.8327% | 2,070 |
| Total domestic deposits to total assets | 84.8760% | 4,096 |
| Equity capital to assets | 10.4139% | 3,603 |
| Core capital (leverage) ratio | 10.0965% | 3,243 |
| Tier 1 risk-based capital ratio | 14.1198% | 4,382 |
| Total risk-based capital ratio | 15.3711% | 4,349 |
| Memoranda: | ||
| Average total assets | $32,235,000 | 6,886 |
| Average earning assets | $26,382,000 | 6,950 |
| Average equity | $3,421,000 | 6,868 |
| Average total loans | $24,769,500 | 6,381 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8949% | 29 |
| Cost of funding earning assets | 1.6571% | 385 |
| Net interest margin | 8.2378% | 30 |
| Noninterest income to average assets | 0.9099% | 1,643 |
| Noninterest expense to average assets | 4.8965% | 408 |
| Loan and lease loss provision to assets | 0.8849% | 1,090 |
| Net operating income to assets | 2.1543% | 244 |
| Return on assets (ROA) | 2.1543% | 259 |
| Pretax return on assets | 2.1543% | 399 |
| Return on Equity (ROE) | 20.3533% | 250 |
| Retained earnings to average equity (ytd only) | 3.7812% | 3,524 |
| Net charge-offs to loans | 1.0030% | 1,731 |
| Credit loss provision to net charge-offs | 112.7490% | 2,930 |
| Earnings coverage of net charge-offs (x) | 3.8725% | 3,355 |
| Efficiency ratio | 61.7021% | 5,504 |
| Assets per employee ($millions) | 1.8566% | 7,199 |
| Cash dividends to net income (ytd only)* | 81.4224% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 3,609 |
| Loan loss allowance to noncurrent loans | 62.5197% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 3.6278% | 1,618 |
| Noncurrent loans to loans | 2.5504% | 2,574 |
| Net loans and leases to total assets | 77.6282% | 752 |
| Net loans and leases to deposits | 92.1125% | 959 |
| Net loans and leases to core deposits | 93.0606% | 1,793 |
| Total domestic deposits to total assets | 84.2754% | 4,203 |
| Equity capital to assets | 10.8200% | 3,171 |
| Core capital (leverage) ratio | 10.4418% | 2,801 |
| Tier 1 risk-based capital ratio | 14.1835% | 4,189 |
| Total risk-based capital ratio | 15.4373% | 4,141 |
| Memoranda: | ||
| Average total assets | $31,982,000 | 6,921 |
| Average earning assets | $27,276,800 | 6,949 |
| Average equity | $3,385,200 | 6,913 |
| Average total loans | $25,023,800 | 6,424 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8953% | 30 |
| Cost of funding earning assets | 1.6848% | 420 |
| Net interest margin | 8.2104% | 34 |
| Noninterest income to average assets | 0.9225% | 1,570 |
| Noninterest expense to average assets | 4.8076% | 435 |
| Loan and lease loss provision to assets | 0.7895% | 1,185 |
| Net operating income to assets | 2.3519% | 194 |
| Return on assets (ROA) | 2.3519% | 207 |
| Pretax return on assets | 2.3519% | 330 |
| Return on Equity (ROE) | 22.3418% | 206 |
| Retained earnings to average equity (ytd only) | 5.6052% | 2,787 |
| Net charge-offs to loans | 0.8035% | 1,955 |
| Credit loss provision to net charge-offs | 125.8278% | 2,549 |
| Earnings coverage of net charge-offs (x) | 5.0066% | 2,901 |
| Efficiency ratio | 60.4809% | 5,640 |
| Assets per employee ($millions) | 1.9919% | 7,244 |
| Cash dividends to net income (ytd only)* | 74.9115% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 3,728 |
| Loan loss allowance to noncurrent loans | 65.4781% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 3.0623% | 2,091 |
| Noncurrent loans to loans | 2.4226% | 2,857 |
| Net loans and leases to total assets | 78.6420% | 647 |
| Net loans and leases to deposits | 93.2857% | 899 |
| Net loans and leases to core deposits | 94.2256% | 1,775 |
| Total domestic deposits to total assets | 84.3023% | 4,099 |
| Equity capital to assets | 10.7747% | 3,391 |
| Core capital (leverage) ratio | 10.0100% | 3,429 |
| Tier 1 risk-based capital ratio | 13.9871% | 4,364 |
| Total risk-based capital ratio | 15.2437% | 4,330 |
| Memoranda: | ||
| Average total assets | $32,087,000 | 6,981 |
| Average earning assets | $27,460,250 | 7,007 |
| Average equity | $3,377,750 | 6,975 |
| Average total loans | $25,055,250 | 6,477 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8948% | 33 |
| Cost of funding earning assets | 1.6855% | 494 |
| Net interest margin | 8.2093% | 35 |
| Noninterest income to average assets | 0.8023% | 2,005 |
| Noninterest expense to average assets | 4.7141% | 475 |
| Loan and lease loss provision to assets | 0.7214% | 1,300 |
| Net operating income to assets | 2.3944% | 193 |
| Return on assets (ROA) | 2.3944% | 196 |
| Pretax return on assets | 2.3944% | 289 |
| Return on Equity (ROE) | 22.9235% | 202 |
| Retained earnings to average equity (ytd only) | 5.1801% | 2,892 |
| Net charge-offs to loans | 0.6582% | 2,199 |
| Credit loss provision to net charge-offs | 141.4634% | 2,154 |
| Earnings coverage of net charge-offs (x) | 6.1098% | 2,466 |
| Efficiency ratio | 60.2065% | 5,842 |
| Assets per employee ($millions) | 1.9592% | 7,315 |
| Cash dividends to net income (ytd only)* | 77.4026% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 3,807 |
| Loan loss allowance to noncurrent loans | 70.1230% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 3.0715% | 2,186 |
| Noncurrent loans to loans | 2.2441% | 3,166 |
| Net loans and leases to total assets | 74.9294% | 1,250 |
| Net loans and leases to deposits | 89.5893% | 1,321 |
| Net loans and leases to core deposits | 90.4498% | 2,311 |
| Total domestic deposits to total assets | 83.6366% | 4,491 |
| Equity capital to assets | 10.1303% | 3,977 |
| Core capital (leverage) ratio | 9.9859% | 3,281 |
| Tier 1 risk-based capital ratio | 13.5323% | 4,498 |
| Total risk-based capital ratio | 14.7894% | 4,484 |
| Memoranda: | ||
| Average total assets | $32,159,000 | 7,040 |
| Average earning assets | $27,529,670 | 7,072 |
| Average equity | $3,359,000 | 7,024 |
| Average total loans | $24,917,670 | 6,542 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9120% | 36 |
| Cost of funding earning assets | 1.6788% | 609 |
| Net interest margin | 8.2333% | 37 |
| Noninterest income to average assets | 1.0385% | 1,222 |
| Noninterest expense to average assets | 4.4957% | 594 |
| Loan and lease loss provision to assets | 0.5825% | 1,484 |
| Net operating income to assets | 3.1027% | 106 |
| Return on assets (ROA) | 3.1027% | 109 |
| Pretax return on assets | 3.1027% | 141 |
| Return on Equity (ROE) | 29.2406% | 91 |
| Retained earnings to average equity (ytd only) | 15.0380% | 391 |
| Net charge-offs to loans | 0.5344% | 2,155 |
| Credit loss provision to net charge-offs | 139.3939% | 2,010 |
| Earnings coverage of net charge-offs (x) | 8.8182% | 1,783 |
| Efficiency ratio | 54.9536% | 6,607 |
| Assets per employee ($millions) | 2.0001% | 7,362 |
| Cash dividends to net income (ytd only)* | 48.5714% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 4,164 |
| Loan loss allowance to noncurrent loans | 63.3166% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 3.0123% | 2,293 |
| Noncurrent loans to loans | 2.3840% | 3,106 |
| Net loans and leases to total assets | 77.0702% | 865 |
| Net loans and leases to deposits | 93.0296% | 913 |
| Net loans and leases to core deposits | 93.9581% | 1,887 |
| Total domestic deposits to total assets | 82.8448% | 4,978 |
| Equity capital to assets | 10.6462% | 3,045 |
| Core capital (leverage) ratio | 10.2295% | 2,898 |
| Tier 1 risk-based capital ratio | 14.0263% | 4,056 |
| Total risk-based capital ratio | 15.3010% | 4,019 |
| Memoranda: | ||
| Average total assets | $31,585,500 | 7,106 |
| Average earning assets | $27,401,000 | 7,121 |
| Average equity | $3,351,500 | 7,061 |
| Average total loans | $24,699,000 | 6,603 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8978% | 38 |
| Cost of funding earning assets | 2.0435% | 514 |
| Net interest margin | 7.8543% | 39 |
| Noninterest income to average assets | 0.6453% | 3,185 |
| Noninterest expense to average assets | 4.9655% | 422 |
| Loan and lease loss provision to assets | 0.6776% | 2,431 |
| Net operating income to assets | 1.6616% | 560 |
| Return on assets (ROA) | 1.6616% | 603 |
| Pretax return on assets | 1.6616% | 1,021 |
| Return on Equity (ROE) | 15.9186% | 595 |
| Retained earnings to average equity (ytd only) | 3.7401% | 3,248 |
| Net charge-offs to loans | 0.7072% | 2,891 |
| Credit loss provision to net charge-offs | 127.2727% | 3,164 |
| Earnings coverage of net charge-offs (x) | 4.3939% | 2,941 |
| Efficiency ratio | 67.9770% | 4,570 |
| Assets per employee ($millions) | 1.9481% | 7,437 |
| Cash dividends to net income (ytd only)* | 76.5049% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 3,992 |
| Loan loss allowance to noncurrent loans | 87.5598% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 2.8362% | 2,471 |
| Noncurrent loans to loans | 1.7162% | 3,929 |
| Net loans and leases to total assets | 76.9675% | 1,101 |
| Net loans and leases to deposits | 93.0242% | 1,141 |
| Net loans and leases to core deposits | 93.9679% | 2,256 |
| Total domestic deposits to total assets | 82.7393% | 4,915 |
| Equity capital to assets | 10.5746% | 3,088 |
| Core capital (leverage) ratio | 10.0139% | 3,075 |
| Tier 1 risk-based capital ratio | 13.8717% | 3,948 |
| Total risk-based capital ratio | 15.1256% | 3,926 |
| Memoranda: | ||
| Average total assets | $30,994,000 | 7,171 |
| Average earning assets | $26,278,600 | 7,216 |
| Average equity | $3,235,200 | 7,210 |
| Average total loans | $23,331,800 | 6,757 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8155% | 38 |
| Cost of funding earning assets | 2.1289% | 483 |
| Net interest margin | 7.6866% | 42 |
| Noninterest income to average assets | 0.6806% | 2,940 |
| Noninterest expense to average assets | 4.8464% | 428 |
| Loan and lease loss provision to assets | 0.6462% | 2,364 |
| Net operating income to assets | 1.6585% | 670 |
| Return on assets (ROA) | 1.6585% | 730 |
| Pretax return on assets | 1.6585% | 1,192 |
| Return on Equity (ROE) | 15.9416% | 711 |
| Retained earnings to average equity (ytd only) | 5.0932% | 2,918 |
| Net charge-offs to loans | 0.4854% | 3,333 |
| Credit loss provision to net charge-offs | 178.5714% | 2,057 |
| Earnings coverage of net charge-offs (x) | 6.3689% | 2,536 |
| Efficiency ratio | 67.7711% | 4,512 |
| Assets per employee ($millions) | 1.9246% | 7,542 |
| Cash dividends to net income (ytd only)* | 68.0511% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 3,419 |
| Loan loss allowance to noncurrent loans | 78.3401% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 2.8220% | 2,576 |
| Noncurrent loans to loans | 2.0763% | 3,592 |
| Net loans and leases to total assets | 76.0051% | 1,404 |
| Net loans and leases to deposits | 95.9851% | 980 |
| Net loans and leases to core deposits | 100.4851% | 1,805 |
| Total domestic deposits to total assets | 79.1843% | 5,974 |
| Equity capital to assets | 10.7813% | 3,192 |
| Core capital (leverage) ratio | 10.3678% | 2,842 |
| Tier 1 risk-based capital ratio | 13.5705% | 4,145 |
| Total risk-based capital ratio | 14.8264% | 4,087 |
| Memoranda: | ||
| Average total assets | $30,950,250 | 7,256 |
| Average earning assets | $26,053,500 | 7,317 |
| Average equity | $3,220,000 | 7,307 |
| Average total loans | $23,075,750 | 6,856 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7177% | 38 |
| Cost of funding earning assets | 2.1973% | 471 |
| Net interest margin | 7.5204% | 44 |
| Noninterest income to average assets | 0.3935% | 4,955 |
| Noninterest expense to average assets | 4.7545% | 455 |
| Loan and lease loss provision to assets | 0.5677% | 2,504 |
| Net operating income to assets | 1.3418% | 1,211 |
| Return on assets (ROA) | 1.3418% | 1,280 |
| Pretax return on assets | 1.3418% | 1,966 |
| Return on Equity (ROE) | 13.0544% | 1,228 |
| Retained earnings to average equity (ytd only) | 2.1967% | 4,748 |
| Net charge-offs to loans | 0.7356% | 2,391 |
| Credit loss provision to net charge-offs | 104.7619% | 3,894 |
| Earnings coverage of net charge-offs (x) | 3.5238% | 3,292 |
| Efficiency ratio | 71.3456% | 3,929 |
| Assets per employee ($millions) | 1.9588% | 7,595 |
| Cash dividends to net income (ytd only)* | 83.1731% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 4,409 |
| Loan loss allowance to noncurrent loans | 70.4989% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 2.8844% | 2,494 |
| Noncurrent loans to loans | 1.9880% | 3,733 |
| Net loans and leases to total assets | 72.9524% | 2,180 |
| Net loans and leases to deposits | 91.3902% | 1,636 |
| Net loans and leases to core deposits | 95.5413% | 2,503 |
| Total domestic deposits to total assets | 79.8251% | 5,782 |
| Equity capital to assets | 10.3156% | 3,630 |
| Core capital (leverage) ratio | 9.7255% | 3,507 |
| Tier 1 risk-based capital ratio | 13.2333% | 4,263 |
| Total risk-based capital ratio | 14.4840% | 4,221 |
| Memoranda: | ||
| Average total assets | $31,002,330 | 7,311 |
| Average earning assets | $25,849,670 | 7,378 |
| Average equity | $3,186,670 | 7,360 |
| Average total loans | $22,837,000 | 6,914 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9072% | 44 |
| Cost of funding earning assets | 2.3127% | 418 |
| Net interest margin | 7.5945% | 51 |
| Noninterest income to average assets | 0.3762% | 5,130 |
| Noninterest expense to average assets | 4.8260% | 419 |
| Loan and lease loss provision to assets | 0.5578% | 2,269 |
| Net operating income to assets | 1.2973% | 1,305 |
| Return on assets (ROA) | 1.2973% | 1,372 |
| Pretax return on assets | 1.2973% | 2,056 |
| Return on Equity (ROE) | 12.6442% | 1,340 |
| Retained earnings to average equity (ytd only) | 2.0231% | 4,918 |
| Net charge-offs to loans | 0.3354% | 3,070 |
| Credit loss provision to net charge-offs | 226.3158% | 1,674 |
| Earnings coverage of net charge-offs (x) | 7.5263% | 2,076 |
| Efficiency ratio | 72.2330% | 3,884 |
| Assets per employee ($millions) | 1.9461% | 7,690 |
| Cash dividends to net income (ytd only)* | 84.0000% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 3,903 |
| Loan loss allowance to noncurrent loans | 112.0130% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 2.3701% | 3,061 |
| Noncurrent loans to loans | 1.3406% | 4,737 |
| Net loans and leases to total assets | 72.6765% | 2,290 |
| Net loans and leases to deposits | 90.9493% | 1,768 |
| Net loans and leases to core deposits | 94.0956% | 2,831 |
| Total domestic deposits to total assets | 79.9088% | 5,815 |
| Equity capital to assets | 10.1998% | 3,607 |
| Core capital (leverage) ratio | 10.1436% | 2,990 |
| Tier 1 risk-based capital ratio | 13.3715% | 4,070 |
| Total risk-based capital ratio | 14.6260% | 4,029 |
| Memoranda: | ||
| Average total assets | $30,833,000 | 7,414 |
| Average earning assets | $25,597,500 | 7,473 |
| Average equity | $3,163,500 | 7,448 |
| Average total loans | $22,661,000 | 7,008 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4116% | 42 |
| Cost of funding earning assets | 2.4177% | 1,249 |
| Net interest margin | 6.9939% | 53 |
| Noninterest income to average assets | 0.6493% | 3,298 |
| Noninterest expense to average assets | 5.0083% | 518 |
| Loan and lease loss provision to assets | 0.5561% | 3,591 |
| Net operating income to assets | 1.1056% | 1,496 |
| Return on assets (ROA) | 1.1056% | 1,533 |
| Pretax return on assets | 1.1056% | 2,231 |
| Return on Equity (ROE) | 10.5611% | 1,535 |
| Retained earnings to average equity (ytd only) | 0.3181% | 4,730 |
| Net charge-offs to loans | 0.7130% | 3,048 |
| Credit loss provision to net charge-offs | 103.7267% | 5,326 |
| Earnings coverage of net charge-offs (x) | 3.0994% | 3,515 |
| Efficiency ratio | 75.0874% | 3,690 |
| Assets per employee ($millions) | 1.9080% | 7,778 |
| Cash dividends to net income (ytd only)* | 96.9880% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 4,047 |
| Loan loss allowance to noncurrent loans | 41.7969% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 3.7146% | 1,795 |
| Noncurrent loans to loans | 3.4367% | 2,216 |
| Net loans and leases to total assets | 72.1502% | 2,720 |
| Net loans and leases to deposits | 92.5929% | 1,805 |
| Net loans and leases to core deposits | 127.9689% | 1,398 |
| Total domestic deposits to total assets | 77.9219% | 6,235 |
| Equity capital to assets | 10.3217% | 3,383 |
| Core capital (leverage) ratio | 10.0705% | 3,020 |
| Tier 1 risk-based capital ratio | 13.5733% | 3,780 |
| Total risk-based capital ratio | 14.8267% | 3,718 |
| Memoranda: | ||
| Average total assets | $30,030,200 | 7,468 |
| Average earning assets | $25,851,200 | 7,512 |
| Average equity | $3,143,600 | 7,551 |
| Average total loans | $22,581,800 | 7,053 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4037% | 43 |
| Cost of funding earning assets | 2.4191% | 1,565 |
| Net interest margin | 6.9846% | 52 |
| Noninterest income to average assets | 0.6108% | 3,616 |
| Noninterest expense to average assets | 4.9443% | 507 |
| Loan and lease loss provision to assets | 0.5395% | 3,232 |
| Net operating income to assets | 1.1770% | 1,524 |
| Return on assets (ROA) | 1.1770% | 1,577 |
| Pretax return on assets | 1.1770% | 2,335 |
| Return on Equity (ROE) | 11.2036% | 1,566 |
| Retained earnings to average equity (ytd only) | 1.3155% | 4,589 |
| Net charge-offs to loans | 0.7008% | 2,595 |
| Credit loss provision to net charge-offs | 101.6807% | 5,006 |
| Earnings coverage of net charge-offs (x) | 3.2353% | 3,623 |
| Efficiency ratio | 74.2303% | 3,831 |
| Assets per employee ($millions) | 1.8364% | 7,880 |
| Cash dividends to net income (ytd only)* | 88.2582% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 3,883 |
| Loan loss allowance to noncurrent loans | 44.3357% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 3.4103% | 1,957 |
| Noncurrent loans to loans | 3.1839% | 2,373 |
| Net loans and leases to total assets | 75.3523% | 2,146 |
| Net loans and leases to deposits | 97.9429% | 1,337 |
| Net loans and leases to core deposits | 123.7217% | 1,931 |
| Total domestic deposits to total assets | 76.9349% | 6,352 |
| Equity capital to assets | 10.8638% | 3,149 |
| Core capital (leverage) ratio | 10.0327% | 3,250 |
| Tier 1 risk-based capital ratio | 13.8088% | 3,661 |
| Total risk-based capital ratio | 15.0613% | 3,611 |
| Memoranda: | ||
| Average total assets | $29,905,750 | 7,539 |
| Average earning assets | $25,904,000 | 7,575 |
| Average equity | $3,141,750 | 7,619 |
| Average total loans | $22,640,500 | 7,115 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3553% | 45 |
| Cost of funding earning assets | 2.4721% | 1,709 |
| Net interest margin | 6.8832% | 58 |
| Noninterest income to average assets | 0.6848% | 3,087 |
| Noninterest expense to average assets | 4.8736% | 563 |
| Loan and lease loss provision to assets | 0.6715% | 2,422 |
| Net operating income to assets | 1.0638% | 1,901 |
| Return on assets (ROA) | 1.0638% | 1,975 |
| Pretax return on assets | 1.0638% | 2,757 |
| Return on Equity (ROE) | 10.2400% | 1,933 |
| Retained earnings to average equity (ytd only) | 0.7040% | 4,911 |
| Net charge-offs to loans | 0.6960% | 2,310 |
| Credit loss provision to net charge-offs | 127.8481% | 3,637 |
| Earnings coverage of net charge-offs (x) | 3.3038% | 3,494 |
| Efficiency ratio | 73.7425% | 4,072 |
| Assets per employee ($millions) | 1.9084% | 7,911 |
| Cash dividends to net income (ytd only)* | 93.1250% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 3,252 |
| Loan loss allowance to noncurrent loans | 77.4713% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 2.2106% | 2,930 |
| Noncurrent loans to loans | 1.9228% | 3,640 |
| Net loans and leases to total assets | 72.9851% | 2,956 |
| Net loans and leases to deposits | 93.6151% | 2,153 |
| Net loans and leases to core deposits | 132.8762% | 1,378 |
| Total domestic deposits to total assets | 77.9630% | 6,083 |
| Equity capital to assets | 10.3029% | 3,616 |
| Core capital (leverage) ratio | 10.3749% | 2,926 |
| Tier 1 risk-based capital ratio | 14.4259% | 3,291 |
| Total risk-based capital ratio | 15.6817% | 3,223 |
| Memoranda: | ||
| Average total assets | $30,080,330 | 7,602 |
| Average earning assets | $25,889,000 | 7,645 |
| Average equity | $3,125,000 | 7,691 |
| Average total loans | $22,701,670 | 7,165 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1991% | 51 |
| Cost of funding earning assets | 2.5282% | 1,810 |
| Net interest margin | 6.6709% | 65 |
| Noninterest income to average assets | 0.7771% | 2,445 |
| Noninterest expense to average assets | 4.9174% | 511 |
| Loan and lease loss provision to assets | 0.7503% | 1,719 |
| Net operating income to assets | 0.9781% | 2,406 |
| Return on assets (ROA) | 0.9781% | 2,534 |
| Pretax return on assets | 0.9781% | 3,434 |
| Return on Equity (ROE) | 9.3755% | 2,582 |
| Retained earnings to average equity (ytd only) | -0.5137% | 5,768 |
| Net charge-offs to loans | 0.8267% | 1,569 |
| Credit loss provision to net charge-offs | 119.1489% | 3,292 |
| Earnings coverage of net charge-offs (x) | 2.7447% | 3,393 |
| Efficiency ratio | 73.9919% | 3,825 |
| Assets per employee ($millions) | 1.8613% | 7,989 |
| Cash dividends to net income (ytd only)* | 105.4795% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 3,389 |
| Loan loss allowance to noncurrent loans | 72.4832% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 2.3169% | 2,481 |
| Noncurrent loans to loans | 1.9592% | 3,322 |
| Net loans and leases to total assets | 75.5247% | 2,386 |
| Net loans and leases to deposits | 97.4861% | 1,738 |
| Net loans and leases to core deposits | 136.1584% | 1,299 |
| Total domestic deposits to total assets | 77.4722% | 6,158 |
| Equity capital to assets | 10.4731% | 3,487 |
| Core capital (leverage) ratio | 10.1454% | 3,245 |
| Tier 1 risk-based capital ratio | 14.2501% | 3,454 |
| Total risk-based capital ratio | 15.5015% | 3,383 |
| Memoranda: | ||
| Average total assets | $29,853,000 | 7,654 |
| Average earning assets | $26,263,500 | 7,672 |
| Average equity | $3,114,500 | 7,748 |
| Average total loans | $22,741,000 | 7,197 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4510% | 55 |
| Cost of funding earning assets | 2.8539% | 2,466 |
| Net interest margin | 6.5972% | 67 |
| Noninterest income to average assets | 0.6372% | 3,578 |
| Noninterest expense to average assets | 4.9031% | 662 |
| Loan and lease loss provision to assets | 0.3965% | 3,313 |
| Net operating income to assets | 1.3346% | 1,385 |
| Return on assets (ROA) | 1.3346% | 1,341 |
| Pretax return on assets | 1.3771% | 2,038 |
| Return on Equity (ROE) | 12.4538% | 1,458 |
| Retained earnings to average equity (ytd only) | 0.9910% | 4,634 |
| Net charge-offs to loans | 0.7292% | 1,695 |
| Credit loss provision to net charge-offs | 68.2927% | 6,098 |
| Earnings coverage of net charge-offs (x) | 3.0549% | 4,559 |
| Efficiency ratio | 73.4358% | 3,673 |
| Assets per employee ($millions) | 1.7603% | 8,063 |
| Cash dividends to net income (ytd only)* | 92.0424% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 3,256 |
| Loan loss allowance to noncurrent loans | 41.9441% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 3.2548% | 1,399 |
| Noncurrent loans to loans | 3.3133% | 1,560 |
| Net loans and leases to total assets | 74.6901% | 2,943 |
| Net loans and leases to deposits | 96.3447% | 2,394 |
| Net loans and leases to core deposits | 123.4044% | 2,371 |
| Total domestic deposits to total assets | 77.5238% | 5,869 |
| Equity capital to assets | 10.3926% | 3,620 |
| Core capital (leverage) ratio | 10.2314% | 3,233 |
| Tier 1 risk-based capital ratio | 14.2274% | 3,432 |
| Total risk-based capital ratio | 15.4799% | 3,352 |
| Memoranda: | ||
| Average total assets | $28,247,600 | 7,716 |
| Average earning assets | $25,859,600 | 7,699 |
| Average equity | $3,027,200 | 7,828 |
| Average total loans | $22,491,000 | 7,169 |