Home > Oregon Trail Bank > Performance and Condition Ratios
Oregon Trail Bank, Performance and Condition Ratios
| 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 | 4.4306% | 1,936 |
| Cost of funding earning assets | 0.3684% | 3,534 |
| Net interest margin | 4.0622% | 1,559 |
| Noninterest income to average assets | 0.3087% | 4,248 |
| Noninterest expense to average assets | 3.8082% | 691 |
| Loan and lease loss provision to assets | 0.0410% | 3,445 |
| Net operating income to assets | -0.0164% | 5,375 |
| Return on assets (ROA) | -0.0164% | 5,379 |
| Pretax return on assets | -0.0164% | 5,445 |
| Return on Equity (ROE) | -0.1462% | 5,379 |
| Retained earnings to average equity (ytd only) | -0.1462% | 5,057 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3065% | 420 |
| Assets per employee ($millions) | 3.5572% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7502% | 4,950 |
| Loan loss allowance to noncurrent loans | 189.2157% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 3,742 |
| Noncurrent loans to loans | 0.3965% | 3,337 |
| Net loans and leases to total assets | 71.7812% | 2,268 |
| Net loans and leases to deposits | 81.2874% | 2,786 |
| Net loans and leases to core deposits | 85.9528% | 2,911 |
| Total domestic deposits to total assets | 88.3054% | 1,344 |
| Equity capital to assets | 11.5540% | 2,153 |
| Core capital (leverage) ratio | 10.7108% | 2,635 |
| Tier 1 risk-based capital ratio | 14.6482% | 3,011 |
| Total risk-based capital ratio | 15.3725% | 3,197 |
| Memoranda: | ||
| Average total assets | $36,605,000 | 5,386 |
| Average earning assets | $31,756,200 | 5,410 |
| Average equity | $4,104,600 | 5,409 |
| Average total loans | $24,939,000 | 5,161 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3263% | 2,192 |
| Cost of funding earning assets | 0.3498% | 3,668 |
| Net interest margin | 3.9765% | 1,785 |
| Noninterest income to average assets | 0.2966% | 4,409 |
| Noninterest expense to average assets | 3.7977% | 671 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.0470% | 5,533 |
| Return on assets (ROA) | -0.0470% | 5,540 |
| Pretax return on assets | -0.0470% | 5,531 |
| Return on Equity (ROE) | -0.4223% | 5,533 |
| Retained earnings to average equity (ytd only) | -0.4223% | 5,274 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3211% | 365 |
| Assets per employee ($millions) | 3.2990% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6952% | 5,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 64.2240% | 3,362 |
| Net loans and leases to deposits | 71.7713% | 3,797 |
| Net loans and leases to core deposits | 75.3981% | 3,855 |
| Total domestic deposits to total assets | 89.4842% | 662 |
| Equity capital to assets | 10.3870% | 3,492 |
| Core capital (leverage) ratio | 10.2963% | 3,207 |
| Tier 1 risk-based capital ratio | 14.1610% | 3,371 |
| Total risk-based capital ratio | 14.8110% | 3,583 |
| Memoranda: | ||
| Average total assets | $36,863,250 | 5,440 |
| Average earning assets | $32,020,250 | 5,462 |
| Average equity | $4,103,250 | 5,470 |
| Average total loans | $24,742,000 | 5,221 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4735% | 1,591 |
| Cost of funding earning assets | 0.3357% | 3,741 |
| Net interest margin | 4.1378% | 1,228 |
| Noninterest income to average assets | 0.2893% | 4,488 |
| Noninterest expense to average assets | 4.0273% | 509 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.1724% | 5,611 |
| Return on assets (ROA) | -0.1724% | 5,613 |
| Pretax return on assets | -0.1724% | 5,602 |
| Return on Equity (ROE) | -1.5121% | 5,608 |
| Retained earnings to average equity (ytd only) | -1.5121% | 5,295 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5166% | 292 |
| Assets per employee ($millions) | 2.9525% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7174% | 5,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 69.5258% | 2,592 |
| Net loans and leases to deposits | 78.7198% | 3,044 |
| Net loans and leases to core deposits | 83.5980% | 3,115 |
| Total domestic deposits to total assets | 88.3206% | 1,295 |
| Equity capital to assets | 11.5552% | 2,272 |
| Core capital (leverage) ratio | 10.8935% | 2,518 |
| Tier 1 risk-based capital ratio | 14.7361% | 3,042 |
| Total risk-based capital ratio | 15.4204% | 3,248 |
| Memoranda: | ||
| Average total assets | $35,955,000 | 5,505 |
| Average earning assets | $30,982,330 | 5,533 |
| Average equity | $4,100,330 | 5,511 |
| Average total loans | $24,455,000 | 5,271 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3807% | 1,714 |
| Cost of funding earning assets | 0.3083% | 3,957 |
| Net interest margin | 4.0724% | 1,291 |
| Noninterest income to average assets | 0.2761% | 4,571 |
| Noninterest expense to average assets | 4.0422% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.2651% | 5,692 |
| Return on assets (ROA) | -0.2651% | 5,692 |
| Pretax return on assets | -0.2651% | 5,679 |
| Return on Equity (ROE) | -2.3395% | 5,690 |
| Retained earnings to average equity (ytd only) | -2.3395% | 5,200 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0175% | 154 |
| Assets per employee ($millions) | 2.4018% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7144% | 5,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 68.6652% | 2,574 |
| Net loans and leases to deposits | 77.5826% | 3,022 |
| Net loans and leases to core deposits | 82.2899% | 3,067 |
| Total domestic deposits to total assets | 88.5058% | 1,419 |
| Equity capital to assets | 11.3748% | 2,281 |
| Core capital (leverage) ratio | 10.6512% | 2,741 |
| Tier 1 risk-based capital ratio | 14.6436% | 3,143 |
| Total risk-based capital ratio | 15.3276% | 3,347 |
| Memoranda: | ||
| Average total assets | $36,217,500 | 5,564 |
| Average earning assets | $31,136,500 | 5,595 |
| Average equity | $4,103,500 | 5,565 |
| Average total loans | $24,277,000 | 5,327 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2281% | 2,395 |
| Cost of funding earning assets | 0.2815% | 4,243 |
| Net interest margin | 3.9466% | 1,801 |
| Noninterest income to average assets | 0.3096% | 4,522 |
| Noninterest expense to average assets | 4.1941% | 489 |
| Loan and lease loss provision to assets | 0.4253% | 349 |
| Net operating income to assets | -0.9126% | 5,828 |
| Return on assets (ROA) | -0.9153% | 5,834 |
| Pretax return on assets | -0.9153% | 5,825 |
| Return on Equity (ROE) | -7.9715% | 5,821 |
| Retained earnings to average equity (ytd only) | -7.9715% | 5,753 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.1445% | 110 |
| Assets per employee ($millions) | 2.4272% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7488% | 5,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 64.4391% | 3,299 |
| Net loans and leases to deposits | 72.7992% | 3,634 |
| Net loans and leases to core deposits | 77.1566% | 3,640 |
| Total domestic deposits to total assets | 88.5163% | 1,371 |
| Equity capital to assets | 11.2860% | 2,339 |
| Core capital (leverage) ratio | 10.2780% | 3,135 |
| Tier 1 risk-based capital ratio | 15.2277% | 2,873 |
| Total risk-based capital ratio | 15.9247% | 3,058 |
| Memoranda: | ||
| Average total assets | $37,147,000 | 5,591 |
| Average earning assets | $31,976,600 | 5,627 |
| Average equity | $4,265,200 | 5,599 |
| Average total loans | $21,883,600 | 5,450 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 3,047 |
| Cost of funding earning assets | 0.2607% | 4,503 |
| Net interest margin | 3.7865% | 2,383 |
| Noninterest income to average assets | 0.3179% | 4,496 |
| Noninterest expense to average assets | 4.1786% | 492 |
| Loan and lease loss provision to assets | 0.4893% | 260 |
| Net operating income to assets | -1.0822% | 5,912 |
| Return on assets (ROA) | -1.0857% | 5,914 |
| Pretax return on assets | -1.0857% | 5,907 |
| Return on Equity (ROE) | -9.4167% | 5,905 |
| Retained earnings to average equity (ytd only) | -9.4167% | 5,842 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.5339% | 93 |
| Assets per employee ($millions) | 2.6199% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6075% | 5,597 |
| Loan loss allowance to noncurrent loans | 294.3396% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 4,893 |
| Noncurrent loans to loans | 0.2064% | 4,531 |
| Net loans and leases to total assets | 64.9499% | 3,276 |
| Net loans and leases to deposits | 74.1761% | 3,578 |
| Net loans and leases to core deposits | 78.3137% | 3,631 |
| Total domestic deposits to total assets | 87.5617% | 1,634 |
| Equity capital to assets | 10.6265% | 3,431 |
| Core capital (leverage) ratio | 10.4723% | 3,026 |
| Tier 1 risk-based capital ratio | 14.2747% | 3,417 |
| Total risk-based capital ratio | 14.8450% | 3,717 |
| Memoranda: | ||
| Average total assets | $37,331,750 | 5,648 |
| Average earning assets | $32,218,750 | 5,682 |
| Average equity | $4,304,250 | 5,651 |
| Average total loans | $21,445,000 | 5,517 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 3,090 |
| Cost of funding earning assets | 0.2535% | 4,622 |
| Net interest margin | 3.7897% | 2,363 |
| Noninterest income to average assets | 0.3217% | 4,484 |
| Noninterest expense to average assets | 4.2970% | 448 |
| Loan and lease loss provision to assets | 0.5399% | 230 |
| Net operating income to assets | -1.2542% | 5,987 |
| Return on assets (ROA) | -1.2597% | 5,990 |
| Pretax return on assets | -1.2597% | 5,983 |
| Return on Equity (ROE) | -10.6280% | 5,984 |
| Retained earnings to average equity (ytd only) | -10.6280% | 5,890 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.9391% | 90 |
| Assets per employee ($millions) | 2.3698% | 5,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5278% | 5,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 62.5566% | 3,559 |
| Net loans and leases to deposits | 73.0927% | 3,694 |
| Net loans and leases to core deposits | 76.5711% | 3,777 |
| Total domestic deposits to total assets | 85.5853% | 2,613 |
| Equity capital to assets | 12.0010% | 2,119 |
| Core capital (leverage) ratio | 10.9676% | 2,467 |
| Tier 1 risk-based capital ratio | 16.6737% | 2,365 |
| Total risk-based capital ratio | 17.1721% | 2,623 |
| Memoranda: | ||
| Average total assets | $36,676,330 | 5,726 |
| Average earning assets | $31,559,000 | 5,765 |
| Average equity | $4,347,000 | 5,709 |
| Average total loans | $20,033,330 | 5,633 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7792% | 4,021 |
| Cost of funding earning assets | 0.2370% | 4,839 |
| Net interest margin | 3.5422% | 3,312 |
| Noninterest income to average assets | 0.2900% | 4,651 |
| Noninterest expense to average assets | 4.1674% | 511 |
| Loan and lease loss provision to assets | 0.7626% | 137 |
| Net operating income to assets | -1.5896% | 6,062 |
| Return on assets (ROA) | -1.5896% | 6,062 |
| Pretax return on assets | -1.5896% | 6,059 |
| Return on Equity (ROE) | -13.4929% | 6,044 |
| Retained earnings to average equity (ytd only) | -13.4929% | 5,886 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.7588% | 85 |
| Assets per employee ($millions) | 2.4094% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4496% | 5,911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 55.1368% | 4,343 |
| Net loans and leases to deposits | 62.7385% | 4,528 |
| Net loans and leases to core deposits | 65.5666% | 4,566 |
| Total domestic deposits to total assets | 87.8836% | 1,702 |
| Equity capital to assets | 11.9726% | 2,045 |
| Core capital (leverage) ratio | 10.8889% | 2,525 |
| Tier 1 risk-based capital ratio | 18.2452% | 1,921 |
| Total risk-based capital ratio | 18.6557% | 2,124 |
| Memoranda: | ||
| Average total assets | $37,241,000 | 5,772 |
| Average earning assets | $32,070,500 | 5,808 |
| Average equity | $4,387,500 | 5,743 |
| Average total loans | $18,872,500 | 5,723 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8621% | 6,148 |
| Cost of funding earning assets | 0.0581% | 6,093 |
| Net interest margin | 0.8040% | 6,148 |
| Noninterest income to average assets | 0.0844% | 5,915 |
| Noninterest expense to average assets | 0.9984% | 6,123 |
| Loan and lease loss provision to assets | 0.0534% | 3,248 |
| Net operating income to assets | -0.2672% | 5,985 |
| Return on assets (ROA) | 1.8336% | 469 |
| Pretax return on assets | 1.8336% | 750 |
| Return on Equity (ROE) | 19.5104% | 276 |
| Retained earnings to average equity (ytd only) | 19.5104% | 67 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.2401% | 76 |
| Assets per employee ($millions) | 2.9493% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1072% | 6,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 46.1882% | 5,143 |
| Net loans and leases to deposits | 52.3115% | 5,271 |
| Net loans and leases to core deposits | 54.5345% | 5,278 |
| Total domestic deposits to total assets | 88.2945% | 1,475 |
| Equity capital to assets | 11.6012% | 2,278 |
| Core capital (leverage) ratio | 10.9032% | 2,488 |
| Tier 1 risk-based capital ratio | 19.6941% | 1,548 |
| Total risk-based capital ratio | 19.7824% | 1,768 |
| Memoranda: | ||
| Average total assets | $35,557,600 | 5,860 |
| Average earning assets | $30,970,200 | 5,883 |
| Average equity | $3,341,800 | 5,948 |
| Average total loans | $16,289,400 | 5,854 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 6,269 |
| Cost of funding earning assets | 0.0000% | 6,253 |
| Net interest margin | 0.0000% | 6,269 |
| Noninterest income to average assets | 0.0000% | 6,192 |
| Noninterest expense to average assets | 0.0000% | 6,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0000% | 5,935 |
| Return on assets (ROA) | 2.8569% | 102 |
| Pretax return on assets | 2.8569% | 140 |
| Return on Equity (ROE) | 32.4926% | 40 |
| Retained earnings to average equity (ytd only) | 32.4926% | 23 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 2.9232% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 41.3952% | 5,521 |
| Net loans and leases to deposits | 47.1256% | 5,610 |
| Net loans and leases to core deposits | 49.1578% | 5,609 |
| Total domestic deposits to total assets | 87.8401% | 1,639 |
| Equity capital to assets | 12.0152% | 2,094 |
| Core capital (leverage) ratio | 11.4205% | 2,107 |
| Tier 1 risk-based capital ratio | 21.4798% | 1,269 |
| Total risk-based capital ratio | 21.4798% | 1,466 |
| Memoranda: | ||
| Average total assets | $34,861,750 | 5,951 |
| Average earning assets | $30,415,500 | 5,974 |
| Average equity | $3,065,250 | 6,078 |
| Average total loans | $15,929,750 | 5,941 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 4,028 |
| Cost of funding earning assets | 0.2905% | 4,500 |
| Net interest margin | 3.5198% | 3,417 |
| Noninterest income to average assets | 0.2662% | 5,048 |
| Noninterest expense to average assets | 3.2234% | 1,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1242% | 5,843 |
| Return on assets (ROA) | 0.1242% | 5,888 |
| Pretax return on assets | 0.1242% | 5,909 |
| Return on Equity (ROE) | 1.6374% | 5,769 |
| Retained earnings to average equity (ytd only) | 1.6374% | 4,881 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2898% | 431 |
| Assets per employee ($millions) | 2.6247% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 4,472 |
| Loan loss allowance to noncurrent loans | 312.2807% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 2.1307% | 1,001 |
| Noncurrent loans to loans | 0.3435% | 4,455 |
| Net loans and leases to total assets | 48.1053% | 5,096 |
| Net loans and leases to deposits | 56.3861% | 5,098 |
| Net loans and leases to core deposits | 59.1901% | 5,121 |
| Total domestic deposits to total assets | 85.3140% | 3,006 |
| Equity capital to assets | 7.5496% | 6,109 |
| Core capital (leverage) ratio | 7.6061% | 6,068 |
| Tier 1 risk-based capital ratio | 13.6310% | 4,146 |
| Total risk-based capital ratio | 14.5818% | 4,252 |
| Memoranda: | ||
| Average total assets | $33,815,000 | 6,039 |
| Average earning assets | $29,604,000 | 6,050 |
| Average equity | $2,565,000 | 6,200 |
| Average total loans | $15,996,000 | 6,003 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8519% | 3,817 |
| Cost of funding earning assets | 0.2858% | 4,601 |
| Net interest margin | 3.5661% | 3,147 |
| Noninterest income to average assets | 0.2614% | 5,088 |
| Noninterest expense to average assets | 3.3747% | 1,543 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0000% | 6,015 |
| Return on assets (ROA) | 0.0000% | 6,054 |
| Pretax return on assets | 0.0000% | 6,047 |
| Return on Equity (ROE) | 0.0000% | 6,055 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,366 |
| Net charge-offs to loans | -0.0255% | 5,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 364 |
| Assets per employee ($millions) | 2.3916% | 6,160 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 4,369 |
| Loan loss allowance to noncurrent loans | 312.2807% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 2.6491% | 781 |
| Noncurrent loans to loans | 0.3621% | 4,502 |
| Net loans and leases to total assets | 46.4803% | 5,163 |
| Net loans and leases to deposits | 51.4666% | 5,363 |
| Net loans and leases to core deposits | 54.6818% | 5,332 |
| Total domestic deposits to total assets | 90.3115% | 603 |
| Equity capital to assets | 7.7293% | 6,117 |
| Core capital (leverage) ratio | 7.6399% | 6,098 |
| Tier 1 risk-based capital ratio | 16.8040% | 2,556 |
| Total risk-based capital ratio | 16.8040% | 3,063 |
| Memoranda: | ||
| Average total assets | $33,662,000 | 6,104 |
| Average earning assets | $29,388,000 | 6,115 |
| Average equity | $2,559,500 | 6,265 |
| Average total loans | $15,698,000 | 6,065 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 4,125 |
| Cost of funding earning assets | 0.3188% | 4,595 |
| Net interest margin | 3.5780% | 3,478 |
| Noninterest income to average assets | 0.5043% | 3,471 |
| Noninterest expense to average assets | 3.5117% | 1,458 |
| Loan and lease loss provision to assets | 0.0275% | 4,052 |
| Net operating income to assets | 0.0520% | 6,017 |
| Return on assets (ROA) | 0.0520% | 6,044 |
| Pretax return on assets | 0.0520% | 6,041 |
| Return on Equity (ROE) | 0.6706% | 6,012 |
| Retained earnings to average equity (ytd only) | 0.3945% | 5,598 |
| Net charge-offs to loans | -0.0063% | 5,494 |
| Credit loss provision to net charge-offs | -900.0000% | 5,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7872% | 434 |
| Assets per employee ($millions) | 2.4172% | 6,204 |
| Cash dividends to net income (ytd only)* | 41.1765% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 4,389 |
| Loan loss allowance to noncurrent loans | 310.5263% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 2.6506% | 848 |
| Noncurrent loans to loans | 0.3641% | 4,561 |
| Net loans and leases to total assets | 45.7374% | 5,349 |
| Net loans and leases to deposits | 50.4811% | 5,561 |
| Net loans and leases to core deposits | 52.8548% | 5,578 |
| Total domestic deposits to total assets | 90.6031% | 493 |
| Equity capital to assets | 7.4791% | 6,238 |
| Core capital (leverage) ratio | 7.5008% | 6,201 |
| Tier 1 risk-based capital ratio | 13.9926% | 4,100 |
| Total risk-based capital ratio | 14.9688% | 4,220 |
| Memoranda: | ||
| Average total assets | $32,719,200 | 6,200 |
| Average earning assets | $28,228,400 | 6,215 |
| Average equity | $2,535,000 | 6,347 |
| Average total loans | $15,991,800 | 6,129 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9821% | 3,825 |
| Cost of funding earning assets | 0.3247% | 4,619 |
| Net interest margin | 3.6574% | 3,196 |
| Noninterest income to average assets | 0.6412% | 2,621 |
| Noninterest expense to average assets | 3.5800% | 1,327 |
| Loan and lease loss provision to assets | 0.0370% | 3,663 |
| Net operating income to assets | 0.1726% | 5,901 |
| Return on assets (ROA) | 0.1726% | 5,940 |
| Pretax return on assets | 0.1726% | 5,980 |
| Return on Equity (ROE) | 2.2082% | 5,786 |
| Retained earnings to average equity (ytd only) | 2.2082% | 4,952 |
| Net charge-offs to loans | -0.0083% | 5,394 |
| Credit loss provision to net charge-offs | -900.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4685% | 573 |
| Assets per employee ($millions) | 2.7088% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 4,544 |
| Loan loss allowance to noncurrent loans | 310.5263% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 3.0981% | 742 |
| Noncurrent loans to loans | 0.3682% | 4,811 |
| Net loans and leases to total assets | 43.4559% | 5,564 |
| Net loans and leases to deposits | 47.8712% | 5,771 |
| Net loans and leases to core deposits | 50.0245% | 5,789 |
| Total domestic deposits to total assets | 90.7767% | 425 |
| Equity capital to assets | 7.3207% | 6,335 |
| Core capital (leverage) ratio | 7.7250% | 6,207 |
| Tier 1 risk-based capital ratio | 13.8370% | 4,329 |
| Total risk-based capital ratio | 14.7922% | 4,455 |
| Memoranda: | ||
| Average total assets | $32,438,750 | 6,280 |
| Average earning assets | $27,924,250 | 6,296 |
| Average equity | $2,536,000 | 6,418 |
| Average total loans | $16,076,000 | 6,192 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1255% | 3,243 |
| Cost of funding earning assets | 0.3333% | 4,604 |
| Net interest margin | 3.7922% | 2,596 |
| Noninterest income to average assets | 0.6727% | 2,415 |
| Noninterest expense to average assets | 3.6937% | 1,152 |
| Loan and lease loss provision to assets | 0.0571% | 3,151 |
| Net operating income to assets | 0.1714% | 5,908 |
| Return on assets (ROA) | 0.1714% | 5,950 |
| Pretax return on assets | 0.1714% | 5,985 |
| Return on Equity (ROE) | 2.1412% | 5,809 |
| Retained earnings to average equity (ytd only) | 2.1412% | 4,827 |
| Net charge-offs to loans | -0.0123% | 5,380 |
| Credit loss provision to net charge-offs | -900.0000% | 5,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1748% | 630 |
| Assets per employee ($millions) | 2.3174% | 6,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 4,951 |
| Loan loss allowance to noncurrent loans | 310.5263% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 3.3782% | 706 |
| Noncurrent loans to loans | 0.3509% | 4,950 |
| Net loans and leases to total assets | 49.5238% | 5,012 |
| Net loans and leases to deposits | 54.9600% | 5,290 |
| Net loans and leases to core deposits | 58.2983% | 5,252 |
| Total domestic deposits to total assets | 90.1088% | 753 |
| Equity capital to assets | 7.8723% | 6,226 |
| Core capital (leverage) ratio | 8.0533% | 6,056 |
| Tier 1 risk-based capital ratio | 13.7565% | 4,409 |
| Total risk-based capital ratio | 14.7095% | 4,551 |
| Memoranda: | ||
| Average total assets | $31,513,330 | 6,358 |
| Average earning assets | $27,002,670 | 6,376 |
| Average equity | $2,522,000 | 6,480 |
| Average total loans | $16,274,670 | 6,227 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 3,075 |
| Cost of funding earning assets | 0.3471% | 4,568 |
| Net interest margin | 3.8025% | 2,465 |
| Noninterest income to average assets | 0.6570% | 2,417 |
| Noninterest expense to average assets | 3.7876% | 1,006 |
| Loan and lease loss provision to assets | 0.0515% | 3,067 |
| Net operating income to assets | 0.0644% | 6,099 |
| Return on assets (ROA) | 0.0644% | 6,122 |
| Pretax return on assets | 0.0644% | 6,133 |
| Return on Equity (ROE) | 0.7981% | 6,081 |
| Retained earnings to average equity (ytd only) | 0.7981% | 5,273 |
| Net charge-offs to loans | -0.0246% | 5,451 |
| Credit loss provision to net charge-offs | -400.0000% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0297% | 592 |
| Assets per employee ($millions) | 2.4620% | 6,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 5,310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2556% | 828 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 50.5811% | 4,843 |
| Net loans and leases to deposits | 56.1631% | 5,104 |
| Net loans and leases to core deposits | 59.0107% | 5,127 |
| Total domestic deposits to total assets | 90.0612% | 1,040 |
| Equity capital to assets | 7.8704% | 6,136 |
| Core capital (leverage) ratio | 8.0752% | 6,063 |
| Tier 1 risk-based capital ratio | 13.7085% | 4,534 |
| Total risk-based capital ratio | 14.6426% | 4,699 |
| Memoranda: | ||
| Average total assets | $31,048,500 | 6,434 |
| Average earning assets | $26,509,000 | 6,455 |
| Average equity | $2,506,000 | 6,540 |
| Average total loans | $16,290,000 | 6,294 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1753% | 3,431 |
| Cost of funding earning assets | 0.4291% | 4,325 |
| Net interest margin | 3.7462% | 2,870 |
| Noninterest income to average assets | 0.5809% | 3,205 |
| Noninterest expense to average assets | 3.4947% | 1,665 |
| Loan and lease loss provision to assets | 0.1213% | 2,797 |
| Net operating income to assets | 0.1692% | 5,892 |
| Return on assets (ROA) | 0.0989% | 6,098 |
| Pretax return on assets | 0.0989% | 6,092 |
| Return on Equity (ROE) | 1.2498% | 6,035 |
| Retained earnings to average equity (ytd only) | 0.6854% | 5,527 |
| Net charge-offs to loans | 0.2707% | 2,345 |
| Credit loss provision to net charge-offs | 88.3721% | 2,807 |
| Earnings coverage of net charge-offs (x) | 2.1163% | 4,328 |
| Efficiency ratio | 92.3272% | 852 |
| Assets per employee ($millions) | 2.1494% | 6,590 |
| Cash dividends to net income (ytd only)* | 45.1613% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 5,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.3964% | 882 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 53.3449% | 4,671 |
| Net loans and leases to deposits | 59.6130% | 4,970 |
| Net loans and leases to core deposits | 61.8884% | 5,072 |
| Total domestic deposits to total assets | 89.4852% | 1,344 |
| Equity capital to assets | 8.2849% | 5,784 |
| Core capital (leverage) ratio | 8.1484% | 6,015 |
| Tier 1 risk-based capital ratio | 13.7470% | 4,483 |
| Total risk-based capital ratio | 14.6624% | 4,660 |
| Memoranda: | ||
| Average total assets | $31,333,000 | 6,497 |
| Average earning assets | $26,800,400 | 6,509 |
| Average equity | $2,480,400 | 6,633 |
| Average total loans | $15,886,400 | 6,377 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1319% | 3,633 |
| Cost of funding earning assets | 0.4487% | 4,291 |
| Net interest margin | 3.6832% | 3,091 |
| Noninterest income to average assets | 0.5604% | 3,388 |
| Noninterest expense to average assets | 3.4761% | 1,660 |
| Loan and lease loss provision to assets | 0.1601% | 2,256 |
| Net operating income to assets | 0.0716% | 6,188 |
| Return on assets (ROA) | 0.0379% | 6,294 |
| Pretax return on assets | 0.0379% | 6,277 |
| Return on Equity (ROE) | 0.4844% | 6,272 |
| Retained earnings to average equity (ytd only) | 0.4844% | 5,771 |
| Net charge-offs to loans | 0.3628% | 1,746 |
| Credit loss provision to net charge-offs | 88.3721% | 2,667 |
| Earnings coverage of net charge-offs (x) | 1.2791% | 4,413 |
| Efficiency ratio | 93.7500% | 755 |
| Assets per employee ($millions) | 2.4313% | 6,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 5,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2430% | 1,095 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 50.9096% | 5,015 |
| Net loans and leases to deposits | 56.5112% | 5,330 |
| Net loans and leases to core deposits | 58.5468% | 5,404 |
| Total domestic deposits to total assets | 90.0876% | 947 |
| Equity capital to assets | 7.7420% | 6,291 |
| Core capital (leverage) ratio | 7.8439% | 6,304 |
| Tier 1 risk-based capital ratio | 13.4309% | 4,810 |
| Total risk-based capital ratio | 14.3295% | 5,022 |
| Memoranda: | ||
| Average total assets | $31,643,500 | 6,566 |
| Average earning assets | $27,041,250 | 6,577 |
| Average equity | $2,477,250 | 6,712 |
| Average total loans | $15,803,250 | 6,445 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 3,656 |
| Cost of funding earning assets | 0.4744% | 4,153 |
| Net interest margin | 3.6467% | 3,190 |
| Noninterest income to average assets | 0.5560% | 3,460 |
| Noninterest expense to average assets | 3.3928% | 1,839 |
| Loan and lease loss provision to assets | 0.1264% | 2,742 |
| Net operating income to assets | 0.1390% | 6,046 |
| Return on assets (ROA) | 0.0758% | 6,268 |
| Pretax return on assets | 0.0758% | 6,268 |
| Return on Equity (ROE) | 0.9649% | 6,219 |
| Retained earnings to average equity (ytd only) | 0.9649% | 5,517 |
| Net charge-offs to loans | 0.4472% | 1,461 |
| Credit loss provision to net charge-offs | 57.1429% | 3,069 |
| Earnings coverage of net charge-offs (x) | 1.2000% | 4,140 |
| Efficiency ratio | 92.5862% | 854 |
| Assets per employee ($millions) | 2.4795% | 6,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9469% | 6,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2110% | 1,234 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 50.9540% | 5,004 |
| Net loans and leases to deposits | 61.4004% | 4,812 |
| Net loans and leases to core deposits | 67.4165% | 4,557 |
| Total domestic deposits to total assets | 82.9864% | 4,701 |
| Equity capital to assets | 7.4520% | 6,461 |
| Core capital (leverage) ratio | 7.7050% | 6,366 |
| Tier 1 risk-based capital ratio | 12.7880% | 5,296 |
| Total risk-based capital ratio | 13.6139% | 5,538 |
| Memoranda: | ||
| Average total assets | $31,655,670 | 6,613 |
| Average earning assets | $26,983,330 | 6,631 |
| Average equity | $2,487,330 | 6,756 |
| Average total loans | $15,651,670 | 6,489 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 3,648 |
| Cost of funding earning assets | 0.5112% | 3,957 |
| Net interest margin | 3.6081% | 3,226 |
| Noninterest income to average assets | 0.5611% | 3,363 |
| Noninterest expense to average assets | 3.4941% | 1,638 |
| Loan and lease loss provision to assets | 0.0638% | 3,562 |
| Net operating income to assets | 0.0638% | 6,220 |
| Return on assets (ROA) | 0.0638% | 6,306 |
| Pretax return on assets | 0.0638% | 6,314 |
| Return on Equity (ROE) | 0.7905% | 6,260 |
| Retained earnings to average equity (ytd only) | 0.7905% | 5,519 |
| Net charge-offs to loans | 0.6585% | 930 |
| Credit loss provision to net charge-offs | 20.0000% | 3,031 |
| Earnings coverage of net charge-offs (x) | 0.4000% | 3,680 |
| Efficiency ratio | 96.4789% | 705 |
| Assets per employee ($millions) | 2.3887% | 6,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 6,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.3652% | 1,288 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 48.9228% | 5,123 |
| Net loans and leases to deposits | 54.5259% | 5,392 |
| Net loans and leases to core deposits | 59.6349% | 5,181 |
| Total domestic deposits to total assets | 89.7240% | 1,208 |
| Equity capital to assets | 8.1409% | 6,300 |
| Core capital (leverage) ratio | 7.8392% | 6,259 |
| Tier 1 risk-based capital ratio | 14.0279% | 4,486 |
| Total risk-based capital ratio | 14.8905% | 4,735 |
| Memoranda: | ||
| Average total assets | $31,367,000 | 6,679 |
| Average earning assets | $26,606,500 | 6,702 |
| Average equity | $2,530,000 | 6,807 |
| Average total loans | $15,187,000 | 6,575 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5264% | 3,293 |
| Cost of funding earning assets | 0.5633% | 4,702 |
| Net interest margin | 3.9631% | 2,556 |
| Noninterest income to average assets | 0.7044% | 2,697 |
| Noninterest expense to average assets | 3.7334% | 1,351 |
| Loan and lease loss provision to assets | 0.0661% | 4,926 |
| Net operating income to assets | 0.2083% | 5,761 |
| Return on assets (ROA) | 0.2381% | 5,868 |
| Pretax return on assets | 0.2381% | 5,934 |
| Return on Equity (ROE) | 2.7652% | 5,646 |
| Retained earnings to average equity (ytd only) | 0.2304% | 5,735 |
| Net charge-offs to loans | 0.2370% | 3,519 |
| Credit loss provision to net charge-offs | 57.1429% | 4,523 |
| Earnings coverage of net charge-offs (x) | 2.3714% | 4,224 |
| Efficiency ratio | 93.1518% | 855 |
| Assets per employee ($millions) | 2.4370% | 6,670 |
| Cash dividends to net income (ytd only)* | 91.6667% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 5,368 |
| Loan loss allowance to noncurrent loans | 165.3846% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 3.6331% | 1,230 |
| Noncurrent loans to loans | 0.6919% | 4,807 |
| Net loans and leases to total assets | 46.8988% | 5,520 |
| Net loans and leases to deposits | 52.1626% | 5,793 |
| Net loans and leases to core deposits | 56.9316% | 5,635 |
| Total domestic deposits to total assets | 89.9088% | 1,001 |
| Equity capital to assets | 7.9922% | 6,411 |
| Core capital (leverage) ratio | 8.1889% | 6,009 |
| Tier 1 risk-based capital ratio | 13.8915% | 4,457 |
| Total risk-based capital ratio | 14.8601% | 4,613 |
| Memoranda: | ||
| Average total assets | $30,240,600 | 6,748 |
| Average earning assets | $25,207,600 | 6,780 |
| Average equity | $2,603,800 | 6,863 |
| Average total loans | $14,768,800 | 6,673 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6222% | 3,123 |
| Cost of funding earning assets | 0.5731% | 4,882 |
| Net interest margin | 4.0490% | 2,297 |
| Noninterest income to average assets | 0.7586% | 2,433 |
| Noninterest expense to average assets | 3.7928% | 1,221 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3391% | 5,478 |
| Return on assets (ROA) | 0.3391% | 5,680 |
| Pretax return on assets | 0.3391% | 5,873 |
| Return on Equity (ROE) | 3.8650% | 5,346 |
| Retained earnings to average equity (ytd only) | 3.8650% | 4,169 |
| Net charge-offs to loans | 0.1451% | 3,951 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 4.7506% | 3,213 |
| Efficiency ratio | 91.7927% | 897 |
| Assets per employee ($millions) | 2.3212% | 6,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 5,548 |
| Loan loss allowance to noncurrent loans | 161.3208% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 3.8873% | 1,257 |
| Noncurrent loans to loans | 0.7082% | 5,024 |
| Net loans and leases to total assets | 49.0373% | 5,430 |
| Net loans and leases to deposits | 55.1325% | 5,708 |
| Net loans and leases to core deposits | 60.4848% | 5,506 |
| Total domestic deposits to total assets | 88.9445% | 1,466 |
| Equity capital to assets | 8.8285% | 5,994 |
| Core capital (leverage) ratio | 8.5844% | 5,645 |
| Tier 1 risk-based capital ratio | 14.3960% | 4,264 |
| Total risk-based capital ratio | 15.3724% | 4,401 |
| Memoranda: | ||
| Average total assets | $29,880,500 | 6,843 |
| Average earning assets | $24,894,000 | 6,879 |
| Average equity | $2,621,750 | 6,945 |
| Average total loans | $14,703,500 | 6,761 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6605% | 3,094 |
| Cost of funding earning assets | 0.5785% | 5,083 |
| Net interest margin | 4.0820% | 2,158 |
| Noninterest income to average assets | 0.7454% | 2,439 |
| Noninterest expense to average assets | 3.7808% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3761% | 5,324 |
| Return on assets (ROA) | 0.3761% | 5,549 |
| Pretax return on assets | 0.3761% | 5,762 |
| Return on Equity (ROE) | 4.2950% | 5,134 |
| Retained earnings to average equity (ytd only) | 4.2950% | 3,754 |
| Net charge-offs to loans | 0.2189% | 3,257 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,350 |
| Efficiency ratio | 90.9532% | 1,001 |
| Assets per employee ($millions) | 2.2057% | 6,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 5,586 |
| Loan loss allowance to noncurrent loans | 161.3208% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 3.7986% | 1,363 |
| Noncurrent loans to loans | 0.7101% | 5,088 |
| Net loans and leases to total assets | 47.7850% | 5,631 |
| Net loans and leases to deposits | 55.9151% | 5,656 |
| Net loans and leases to core deposits | 61.4424% | 5,441 |
| Total domestic deposits to total assets | 85.4598% | 3,632 |
| Equity capital to assets | 8.5266% | 6,183 |
| Core capital (leverage) ratio | 8.4058% | 5,779 |
| Tier 1 risk-based capital ratio | 14.4221% | 4,155 |
| Total risk-based capital ratio | 15.4000% | 4,308 |
| Memoranda: | ||
| Average total assets | $29,782,330 | 6,895 |
| Average earning assets | $24,890,000 | 6,934 |
| Average equity | $2,607,670 | 6,990 |
| Average total loans | $14,615,330 | 6,820 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6238% | 3,390 |
| Cost of funding earning assets | 0.5841% | 5,257 |
| Net interest margin | 4.0397% | 2,334 |
| Noninterest income to average assets | 0.7526% | 2,384 |
| Noninterest expense to average assets | 3.8449% | 1,144 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3147% | 5,609 |
| Return on assets (ROA) | 0.3147% | 5,769 |
| Pretax return on assets | 0.3147% | 5,945 |
| Return on Equity (ROE) | 3.5453% | 5,491 |
| Retained earnings to average equity (ytd only) | 3.5453% | 4,459 |
| Net charge-offs to loans | -0.0277% | 6,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4342% | 917 |
| Assets per employee ($millions) | 2.1175% | 7,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 4,955 |
| Loan loss allowance to noncurrent loans | 52.3677% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 4.0479% | 1,353 |
| Noncurrent loans to loans | 2.5117% | 2,598 |
| Net loans and leases to total assets | 47.5797% | 5,613 |
| Net loans and leases to deposits | 53.4301% | 5,866 |
| Net loans and leases to core deposits | 58.7097% | 5,654 |
| Total domestic deposits to total assets | 89.0504% | 1,666 |
| Equity capital to assets | 8.7367% | 5,827 |
| Core capital (leverage) ratio | 8.5235% | 5,559 |
| Tier 1 risk-based capital ratio | 14.5425% | 4,069 |
| Total risk-based capital ratio | 15.6431% | 4,150 |
| Memoranda: | ||
| Average total assets | $29,233,500 | 6,966 |
| Average earning assets | $24,655,000 | 6,999 |
| Average equity | $2,595,000 | 7,047 |
| Average total loans | $14,459,500 | 6,886 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9090% | 3,310 |
| Cost of funding earning assets | 0.8081% | 4,807 |
| Net interest margin | 4.1009% | 2,423 |
| Noninterest income to average assets | 0.7740% | 2,211 |
| Noninterest expense to average assets | 3.8431% | 1,269 |
| Loan and lease loss provision to assets | 0.0101% | 6,408 |
| Net operating income to assets | 0.3515% | 5,058 |
| Return on assets (ROA) | 0.3515% | 5,225 |
| Pretax return on assets | 0.3515% | 5,421 |
| Return on Equity (ROE) | 4.0034% | 4,846 |
| Retained earnings to average equity (ytd only) | 0.3849% | 5,657 |
| Net charge-offs to loans | -0.0066% | 6,854 |
| Credit loss provision to net charge-offs | -300.0000% | 6,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3987% | 1,086 |
| Assets per employee ($millions) | 2.2171% | 7,068 |
| Cash dividends to net income (ytd only)* | 90.3846% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 5,027 |
| Loan loss allowance to noncurrent loans | 76.9547% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 3.7610% | 1,546 |
| Noncurrent loans to loans | 1.6614% | 3,672 |
| Net loans and leases to total assets | 50.0971% | 5,566 |
| Net loans and leases to deposits | 56.4707% | 5,843 |
| Net loans and leases to core deposits | 62.2505% | 5,631 |
| Total domestic deposits to total assets | 88.7135% | 1,709 |
| Equity capital to assets | 9.0209% | 5,525 |
| Core capital (leverage) ratio | 8.2058% | 5,987 |
| Tier 1 risk-based capital ratio | 14.2791% | 4,124 |
| Total risk-based capital ratio | 15.3699% | 4,192 |
| Memoranda: | ||
| Average total assets | $29,585,200 | 6,980 |
| Average earning assets | $24,750,600 | 7,018 |
| Average equity | $2,597,800 | 7,094 |
| Average total loans | $15,263,000 | 6,893 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9881% | 3,149 |
| Cost of funding earning assets | 0.8565% | 4,724 |
| Net interest margin | 4.1316% | 2,348 |
| Noninterest income to average assets | 0.7926% | 2,090 |
| Noninterest expense to average assets | 3.8509% | 1,233 |
| Loan and lease loss provision to assets | 0.0134% | 6,266 |
| Net operating income to assets | 0.3627% | 5,151 |
| Return on assets (ROA) | 0.3627% | 5,339 |
| Pretax return on assets | 0.3627% | 5,569 |
| Return on Equity (ROE) | 4.1582% | 4,934 |
| Retained earnings to average equity (ytd only) | 3.5422% | 4,221 |
| Net charge-offs to loans | -0.0086% | 6,764 |
| Credit loss provision to net charge-offs | -300.0000% | 6,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1017% | 1,100 |
| Assets per employee ($millions) | 2.2806% | 7,087 |
| Cash dividends to net income (ytd only)* | 14.8148% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 5,221 |
| Loan loss allowance to noncurrent loans | 77.2727% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 3.3983% | 1,865 |
| Noncurrent loans to loans | 1.6243% | 3,863 |
| Net loans and leases to total assets | 46.0787% | 6,141 |
| Net loans and leases to deposits | 51.4640% | 6,413 |
| Net loans and leases to core deposits | 56.1227% | 6,306 |
| Total domestic deposits to total assets | 89.5358% | 1,123 |
| Equity capital to assets | 8.3375% | 6,452 |
| Core capital (leverage) ratio | 8.7678% | 5,315 |
| Tier 1 risk-based capital ratio | 14.4066% | 4,044 |
| Total risk-based capital ratio | 15.4761% | 4,143 |
| Memoranda: | ||
| Average total assets | $29,776,000 | 7,046 |
| Average earning assets | $24,751,500 | 7,091 |
| Average equity | $2,597,250 | 7,163 |
| Average total loans | $15,422,250 | 6,948 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1445% | 2,486 |
| Cost of funding earning assets | 0.9204% | 4,519 |
| Net interest margin | 4.2241% | 1,942 |
| Noninterest income to average assets | 0.7984% | 2,025 |
| Noninterest expense to average assets | 3.9575% | 1,111 |
| Loan and lease loss provision to assets | 0.0206% | 6,032 |
| Net operating income to assets | 0.3579% | 5,143 |
| Return on assets (ROA) | 0.3579% | 5,280 |
| Pretax return on assets | 0.3579% | 5,525 |
| Return on Equity (ROE) | 4.0378% | 4,926 |
| Retained earnings to average equity (ytd only) | 3.1060% | 4,298 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2698% | 1,151 |
| Assets per employee ($millions) | 2.0213% | 7,289 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 5,613 |
| Loan loss allowance to noncurrent loans | 76.9547% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 5.0675% | 1,203 |
| Noncurrent loans to loans | 1.5407% | 4,093 |
| Net loans and leases to total assets | 55.0746% | 5,133 |
| Net loans and leases to deposits | 64.3955% | 5,227 |
| Net loans and leases to core deposits | 71.3860% | 4,901 |
| Total domestic deposits to total assets | 85.5255% | 3,611 |
| Equity capital to assets | 9.2833% | 5,164 |
| Core capital (leverage) ratio | 8.7101% | 5,215 |
| Tier 1 risk-based capital ratio | 13.4867% | 4,536 |
| Total risk-based capital ratio | 14.4992% | 4,707 |
| Memoranda: | ||
| Average total assets | $29,058,670 | 7,131 |
| Average earning assets | $24,336,670 | 7,168 |
| Average equity | $2,575,670 | 7,231 |
| Average total loans | $15,596,670 | 7,007 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1359% | 2,491 |
| Cost of funding earning assets | 0.9559% | 4,525 |
| Net interest margin | 4.1800% | 1,966 |
| Noninterest income to average assets | 0.7745% | 2,137 |
| Noninterest expense to average assets | 3.9404% | 1,116 |
| Loan and lease loss provision to assets | 0.0408% | 5,483 |
| Net operating income to assets | 0.2989% | 5,409 |
| Return on assets (ROA) | 0.2989% | 5,476 |
| Pretax return on assets | 0.2989% | 5,654 |
| Return on Equity (ROE) | 3.4510% | 5,168 |
| Retained earnings to average equity (ytd only) | 3.4510% | 4,120 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0635% | 1,162 |
| Assets per employee ($millions) | 2.2405% | 7,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 5,764 |
| Loan loss allowance to noncurrent loans | 76.9547% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 4.9473% | 1,274 |
| Noncurrent loans to loans | 1.5222% | 4,189 |
| Net loans and leases to total assets | 54.1662% | 5,279 |
| Net loans and leases to deposits | 61.2913% | 5,590 |
| Net loans and leases to core deposits | 67.5039% | 5,359 |
| Total domestic deposits to total assets | 88.3750% | 2,158 |
| Equity capital to assets | 8.8372% | 5,432 |
| Core capital (leverage) ratio | 8.3774% | 5,671 |
| Tier 1 risk-based capital ratio | 13.2608% | 4,609 |
| Total risk-based capital ratio | 14.2635% | 4,800 |
| Memoranda: | ||
| Average total assets | $29,439,000 | 7,168 |
| Average earning assets | $24,689,000 | 7,209 |
| Average equity | $2,550,000 | 7,283 |
| Average total loans | $15,509,000 | 7,062 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0581% | 4,289 |
| Cost of funding earning assets | 1.2092% | 4,504 |
| Net interest margin | 3.8489% | 3,737 |
| Noninterest income to average assets | 0.6970% | 2,856 |
| Noninterest expense to average assets | 3.6636% | 1,783 |
| Loan and lease loss provision to assets | 0.0330% | 6,813 |
| Net operating income to assets | 0.2180% | 5,222 |
| Return on assets (ROA) | 0.2180% | 5,372 |
| Pretax return on assets | 0.2180% | 5,444 |
| Return on Equity (ROE) | 2.5615% | 5,147 |
| Retained earnings to average equity (ytd only) | 0.3493% | 5,403 |
| Net charge-offs to loans | 0.5580% | 3,383 |
| Credit loss provision to net charge-offs | 11.6279% | 6,605 |
| Earnings coverage of net charge-offs (x) | 0.8837% | 5,240 |
| Efficiency ratio | 93.5865% | 1,085 |
| Assets per employee ($millions) | 2.1251% | 7,351 |
| Cash dividends to net income (ytd only)* | 86.3636% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 5,404 |
| Loan loss allowance to noncurrent loans | 75.7202% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 4.7931% | 1,360 |
| Noncurrent loans to loans | 1.6142% | 4,084 |
| Net loans and leases to total assets | 49.9815% | 6,173 |
| Net loans and leases to deposits | 56.3194% | 6,414 |
| Net loans and leases to core deposits | 61.8707% | 6,245 |
| Total domestic deposits to total assets | 88.7466% | 1,801 |
| Equity capital to assets | 8.4905% | 5,865 |
| Core capital (leverage) ratio | 7.8991% | 6,318 |
| Tier 1 risk-based capital ratio | 12.8514% | 4,728 |
| Total risk-based capital ratio | 13.8166% | 4,949 |
| Memoranda: | ||
| Average total assets | $30,271,000 | 7,196 |
| Average earning assets | $25,306,000 | 7,250 |
| Average equity | $2,576,600 | 7,377 |
| Average total loans | $15,411,000 | 7,147 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 4,639 |
| Cost of funding earning assets | 1.2304% | 4,687 |
| Net interest margin | 3.8068% | 3,946 |
| Noninterest income to average assets | 0.6447% | 3,154 |
| Noninterest expense to average assets | 3.6050% | 1,781 |
| Loan and lease loss provision to assets | 0.0438% | 6,652 |
| Net operating income to assets | 0.1710% | 5,585 |
| Return on assets (ROA) | 0.1710% | 5,746 |
| Pretax return on assets | 0.1710% | 5,794 |
| Return on Equity (ROE) | 2.0083% | 5,603 |
| Retained earnings to average equity (ytd only) | 2.0083% | 4,952 |
| Net charge-offs to loans | 0.7397% | 2,572 |
| Credit loss provision to net charge-offs | 11.6279% | 6,321 |
| Earnings coverage of net charge-offs (x) | 0.5698% | 5,447 |
| Efficiency ratio | 94.3743% | 985 |
| Assets per employee ($millions) | 2.1920% | 7,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 5,379 |
| Loan loss allowance to noncurrent loans | 75.7202% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 4.6468% | 1,436 |
| Noncurrent loans to loans | 1.6131% | 4,225 |
| Net loans and leases to total assets | 48.4880% | 6,474 |
| Net loans and leases to deposits | 54.6898% | 6,717 |
| Net loans and leases to core deposits | 59.8986% | 6,609 |
| Total domestic deposits to total assets | 88.6601% | 1,587 |
| Equity capital to assets | 8.6027% | 6,151 |
| Core capital (leverage) ratio | 8.2918% | 5,884 |
| Tier 1 risk-based capital ratio | 13.3344% | 4,329 |
| Total risk-based capital ratio | 14.3233% | 4,498 |
| Memoranda: | ||
| Average total assets | $30,401,000 | 7,278 |
| Average earning assets | $25,357,500 | 7,338 |
| Average equity | $2,589,250 | 7,472 |
| Average total loans | $15,500,250 | 7,234 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0849% | 4,534 |
| Cost of funding earning assets | 1.2673% | 4,727 |
| Net interest margin | 3.8176% | 3,818 |
| Noninterest income to average assets | 0.6270% | 3,151 |
| Noninterest expense to average assets | 3.6231% | 1,725 |
| Loan and lease loss provision to assets | 0.0660% | 6,289 |
| Net operating income to assets | 0.1188% | 5,810 |
| Return on assets (ROA) | 0.1188% | 5,920 |
| Pretax return on assets | 0.1188% | 5,942 |
| Return on Equity (ROE) | 1.3995% | 5,834 |
| Retained earnings to average equity (ytd only) | 1.3995% | 5,181 |
| Net charge-offs to loans | 1.0866% | 1,736 |
| Credit loss provision to net charge-offs | 11.7647% | 5,926 |
| Earnings coverage of net charge-offs (x) | 0.3294% | 5,399 |
| Efficiency ratio | 95.1473% | 1,005 |
| Assets per employee ($millions) | 2.1148% | 7,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 5,515 |
| Loan loss allowance to noncurrent loans | 76.1317% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 4.8232% | 1,344 |
| Noncurrent loans to loans | 1.5619% | 4,368 |
| Net loans and leases to total assets | 51.9235% | 6,220 |
| Net loans and leases to deposits | 58.7204% | 6,519 |
| Net loans and leases to core deposits | 64.5490% | 6,356 |
| Total domestic deposits to total assets | 88.4250% | 1,771 |
| Equity capital to assets | 8.7952% | 5,759 |
| Core capital (leverage) ratio | 8.1255% | 6,076 |
| Tier 1 risk-based capital ratio | 13.0083% | 4,434 |
| Total risk-based capital ratio | 13.9866% | 4,621 |
| Memoranda: | ||
| Average total assets | $30,305,330 | 7,333 |
| Average earning assets | $25,251,330 | 7,391 |
| Average equity | $2,572,330 | 7,527 |
| Average total loans | $15,645,670 | 7,278 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0535% | 4,773 |
| Cost of funding earning assets | 1.2673% | 5,022 |
| Net interest margin | 3.7862% | 3,846 |
| Noninterest income to average assets | 0.6133% | 3,183 |
| Noninterest expense to average assets | 3.5362% | 1,899 |
| Loan and lease loss provision to assets | 0.1044% | 5,579 |
| Net operating income to assets | 0.1305% | 5,926 |
| Return on assets (ROA) | 0.1305% | 6,047 |
| Pretax return on assets | 0.1305% | 6,059 |
| Return on Equity (ROE) | 1.5646% | 5,938 |
| Retained earnings to average equity (ytd only) | 1.5646% | 5,164 |
| Net charge-offs to loans | 2.1925% | 776 |
| Credit loss provision to net charge-offs | 9.3023% | 5,054 |
| Earnings coverage of net charge-offs (x) | 0.2093% | 4,855 |
| Efficiency ratio | 93.7716% | 1,148 |
| Assets per employee ($millions) | 2.2331% | 7,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 5,701 |
| Loan loss allowance to noncurrent loans | 74.8971% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 4.4877% | 1,503 |
| Noncurrent loans to loans | 1.5519% | 4,416 |
| Net loans and leases to total assets | 49.5026% | 6,528 |
| Net loans and leases to deposits | 57.2655% | 6,674 |
| Net loans and leases to core deposits | 62.7499% | 6,542 |
| Total domestic deposits to total assets | 86.4440% | 2,921 |
| Equity capital to assets | 8.2142% | 6,418 |
| Core capital (leverage) ratio | 7.9671% | 6,282 |
| Tier 1 risk-based capital ratio | 12.8150% | 4,468 |
| Total risk-based capital ratio | 13.7614% | 4,690 |
| Memoranda: | ||
| Average total assets | $30,654,500 | 7,419 |
| Average earning assets | $25,566,500 | 7,474 |
| Average equity | $2,556,500 | 7,613 |
| Average total loans | $15,689,500 | 7,365 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4393% | 4,495 |
| Cost of funding earning assets | 1.4624% | 5,671 |
| Net interest margin | 3.9769% | 2,956 |
| Noninterest income to average assets | 0.6398% | 3,356 |
| Noninterest expense to average assets | 3.8114% | 1,679 |
| Loan and lease loss provision to assets | 0.2030% | 5,717 |
| Net operating income to assets | -0.0069% | 5,496 |
| Return on assets (ROA) | 0.2993% | 4,616 |
| Pretax return on assets | 0.2993% | 4,761 |
| Return on Equity (ROE) | 3.3295% | 4,369 |
| Retained earnings to average equity (ytd only) | 0.3444% | 4,719 |
| Net charge-offs to loans | 0.1758% | 5,544 |
| Credit loss provision to net charge-offs | 203.4483% | 1,904 |
| Earnings coverage of net charge-offs (x) | 1.9655% | 4,246 |
| Efficiency ratio | 95.1073% | 1,345 |
| Assets per employee ($millions) | 2.1461% | 7,618 |
| Cash dividends to net income (ytd only)* | 89.6552% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 3,072 |
| Loan loss allowance to noncurrent loans | 79.2683% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 5.2420% | 1,136 |
| Noncurrent loans to loans | 2.0864% | 3,541 |
| Net loans and leases to total assets | 51.4578% | 6,482 |
| Net loans and leases to deposits | 57.9911% | 6,790 |
| Net loans and leases to core deposits | 79.6056% | 6,136 |
| Total domestic deposits to total assets | 88.7339% | 1,609 |
| Equity capital to assets | 8.4703% | 5,926 |
| Core capital (leverage) ratio | 8.0861% | 6,018 |
| Tier 1 risk-based capital ratio | 11.8821% | 5,044 |
| Total risk-based capital ratio | 13.1471% | 4,991 |
| Memoranda: | ||
| Average total assets | $29,071,000 | 7,507 |
| Average earning assets | $24,617,200 | 7,559 |
| Average equity | $2,613,000 | 7,702 |
| Average total loans | $16,499,800 | 7,381 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5793% | 3,980 |
| Cost of funding earning assets | 1.4867% | 5,874 |
| Net interest margin | 4.0925% | 2,429 |
| Noninterest income to average assets | 0.6475% | 3,362 |
| Noninterest expense to average assets | 3.9129% | 1,408 |
| Loan and lease loss provision to assets | 0.1017% | 6,354 |
| Net operating income to assets | 0.1341% | 5,367 |
| Return on assets (ROA) | 0.2174% | 5,179 |
| Pretax return on assets | 0.2174% | 5,260 |
| Return on Equity (ROE) | 2.3829% | 5,033 |
| Retained earnings to average equity (ytd only) | 2.3829% | 3,991 |
| Net charge-offs to loans | 0.4792% | 3,313 |
| Credit loss provision to net charge-offs | 36.6667% | 6,459 |
| Earnings coverage of net charge-offs (x) | 0.8500% | 5,209 |
| Efficiency ratio | 94.3144% | 1,382 |
| Assets per employee ($millions) | 2.3149% | 7,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 4,645 |
| Loan loss allowance to noncurrent loans | 225.8824% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 4.3231% | 1,428 |
| Noncurrent loans to loans | 0.5650% | 6,180 |
| Net loans and leases to total assets | 49.3554% | 6,840 |
| Net loans and leases to deposits | 55.8635% | 7,099 |
| Net loans and leases to core deposits | 74.6532% | 6,691 |
| Total domestic deposits to total assets | 88.3498% | 1,495 |
| Equity capital to assets | 8.7858% | 5,825 |
| Core capital (leverage) ratio | 8.6088% | 5,293 |
| Tier 1 risk-based capital ratio | 12.5341% | 4,513 |
| Total risk-based capital ratio | 13.5049% | 4,683 |
| Memoranda: | ||
| Average total assets | $28,827,250 | 7,579 |
| Average earning assets | $24,662,250 | 7,625 |
| Average equity | $2,630,000 | 7,776 |
| Average total loans | $16,694,500 | 7,434 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7038% | 3,517 |
| Cost of funding earning assets | 1.5438% | 5,957 |
| Net interest margin | 4.1601% | 2,124 |
| Noninterest income to average assets | 0.6478% | 3,359 |
| Noninterest expense to average assets | 4.0063% | 1,309 |
| Loan and lease loss provision to assets | 0.1338% | 5,751 |
| Net operating income to assets | 0.1127% | 5,527 |
| Return on assets (ROA) | 0.7323% | 3,230 |
| Pretax return on assets | 0.7323% | 3,890 |
| Return on Equity (ROE) | 7.9228% | 2,806 |
| Retained earnings to average equity (ytd only) | 7.9228% | 1,235 |
| Net charge-offs to loans | -0.0116% | 7,624 |
| Credit loss provision to net charge-offs | -1,900.0000% | 7,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2053% | 1,478 |
| Assets per employee ($millions) | 1.9706% | 7,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 3,161 |
| Loan loss allowance to noncurrent loans | 25.8799% | 6,779 |
| Noncurrent assets plus other real estate owned to assets | 4.9406% | 1,086 |
| Noncurrent loans to loans | 5.8158% | 963 |
| Net loans and leases to total assets | 59.3011% | 5,792 |
| Net loans and leases to deposits | 69.4869% | 6,045 |
| Net loans and leases to core deposits | 92.0342% | 5,347 |
| Total domestic deposits to total assets | 85.3415% | 3,091 |
| Equity capital to assets | 9.4933% | 4,616 |
| Core capital (leverage) ratio | 8.9507% | 4,715 |
| Tier 1 risk-based capital ratio | 12.4988% | 4,522 |
| Total risk-based capital ratio | 13.7309% | 4,461 |
| Memoranda: | ||
| Average total assets | $28,405,000 | 7,668 |
| Average earning assets | $24,615,000 | 7,698 |
| Average equity | $2,625,330 | 7,846 |
| Average total loans | $17,244,330 | 7,472 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5634% | 4,558 |
| Cost of funding earning assets | 1.6054% | 6,015 |
| Net interest margin | 3.9580% | 2,820 |
| Noninterest income to average assets | 0.6247% | 3,384 |
| Noninterest expense to average assets | 3.9565% | 1,237 |
| Loan and lease loss provision to assets | 0.1388% | 5,187 |
| Net operating income to assets | -0.0139% | 6,279 |
| Return on assets (ROA) | 1.2078% | 1,749 |
| Pretax return on assets | 1.2078% | 2,607 |
| Return on Equity (ROE) | 13.2395% | 1,325 |
| Retained earnings to average equity (ytd only) | 13.2395% | 602 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9388% | 1,269 |
| Assets per employee ($millions) | 2.4837% | 7,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 3,986 |
| Loan loss allowance to noncurrent loans | 24.8447% | 6,917 |
| Noncurrent assets plus other real estate owned to assets | 4.5732% | 1,042 |
| Noncurrent loans to loans | 5.2969% | 999 |
| Net loans and leases to total assets | 60.3845% | 5,593 |
| Net loans and leases to deposits | 68.9144% | 6,089 |
| Net loans and leases to core deposits | 95.9686% | 4,971 |
| Total domestic deposits to total assets | 87.6225% | 1,914 |
| Equity capital to assets | 8.6834% | 5,795 |
| Core capital (leverage) ratio | 8.8703% | 4,893 |
| Tier 1 risk-based capital ratio | 11.4991% | 5,414 |
| Total risk-based capital ratio | 12.5947% | 5,460 |
| Memoranda: | ||
| Average total assets | $28,813,500 | 7,700 |
| Average earning assets | $25,164,500 | 7,719 |
| Average equity | $2,628,500 | 7,893 |
| Average total loans | $17,561,500 | 7,507 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5983% | 2,501 |
| Cost of funding earning assets | 2.3082% | 5,108 |
| Net interest margin | 4.2902% | 2,014 |
| Noninterest income to average assets | 0.7232% | 2,957 |
| Noninterest expense to average assets | 3.8923% | 1,571 |
| Loan and lease loss provision to assets | 0.1817% | 5,080 |
| Net operating income to assets | 0.3780% | 5,238 |
| Return on assets (ROA) | 0.4470% | 4,784 |
| Pretax return on assets | 0.4470% | 5,126 |
| Return on Equity (ROE) | 4.8167% | 4,464 |
| Retained earnings to average equity (ytd only) | 1.6839% | 4,204 |
| Net charge-offs to loans | -0.0060% | 7,800 |
| Credit loss provision to net charge-offs | -5,000.0000% | 7,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4286% | 1,730 |
| Assets per employee ($millions) | 2.1402% | 7,781 |
| Cash dividends to net income (ytd only)* | 65.0407% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 3,410 |
| Loan loss allowance to noncurrent loans | 23.8095% | 7,064 |
| Noncurrent assets plus other real estate owned to assets | 4.8988% | 717 |
| Noncurrent loans to loans | 5.7207% | 666 |
| Net loans and leases to total assets | 59.8641% | 5,932 |
| Net loans and leases to deposits | 72.6480% | 5,986 |
| Net loans and leases to core deposits | 92.2975% | 5,606 |
| Total domestic deposits to total assets | 82.4030% | 4,041 |
| Equity capital to assets | 9.5928% | 4,553 |
| Core capital (leverage) ratio | 8.7072% | 5,182 |
| Tier 1 risk-based capital ratio | 11.8988% | 4,902 |
| Total risk-based capital ratio | 13.0241% | 4,913 |
| Memoranda: | ||
| Average total assets | $27,515,600 | 7,749 |
| Average earning assets | $23,915,200 | 7,786 |
| Average equity | $2,553,600 | 7,964 |
| Average total loans | $16,631,600 | 7,546 |