Home > Pelham Banking Company > Performance and Condition Ratios
Pelham Banking Company, 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 | 1.3023% | 5,639 |
| Cost of funding earning assets | 0.1208% | 5,406 |
| Net interest margin | 1.1814% | 5,638 |
| Noninterest income to average assets | 0.2752% | 4,482 |
| Noninterest expense to average assets | 1.1328% | 5,595 |
| Loan and lease loss provision to assets | 0.0401% | 3,466 |
| Net operating income to assets | 0.1603% | 5,178 |
| Return on assets (ROA) | 0.1523% | 5,201 |
| Pretax return on assets | 0.1523% | 5,352 |
| Return on Equity (ROE) | 1.2449% | 5,198 |
| Retained earnings to average equity (ytd only) | -58.8184% | 5,661 |
| Net charge-offs to loans | 0.0122% | 3,656 |
| Credit loss provision to net charge-offs | 1,000.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 1,084 |
| Efficiency ratio | 84.9699% | 703 |
| Assets per employee ($millions) | 3.9839% | 3,990 |
| Cash dividends to net income (ytd only)* | 4,824.5614% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1147% | 5,601 |
| Loan loss allowance to noncurrent loans | 65.8537% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 4,847 |
| Noncurrent loans to loans | 0.1742% | 4,228 |
| Net loans and leases to total assets | 32.7858% | 5,376 |
| Net loans and leases to deposits | 35.9457% | 5,431 |
| Net loans and leases to core deposits | 37.1980% | 5,437 |
| Total domestic deposits to total assets | 91.2092% | 195 |
| Equity capital to assets | 8.4548% | 5,155 |
| Core capital (leverage) ratio | 8.9818% | 4,668 |
| Tier 1 risk-based capital ratio | 17.3370% | 1,981 |
| Total risk-based capital ratio | 17.4089% | 2,317 |
| Memoranda: | ||
| Average total assets | $74,856,400 | 4,693 |
| Average earning assets | $67,036,800 | 4,723 |
| Average equity | $9,157,000 | 4,586 |
| Average total loans | $24,637,400 | 5,171 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4759% | 5,733 |
| Cost of funding earning assets | 0.0458% | 5,688 |
| Net interest margin | 0.4301% | 5,731 |
| Noninterest income to average assets | 0.1022% | 5,470 |
| Noninterest expense to average assets | 0.3067% | 5,728 |
| Loan and lease loss provision to assets | 0.0123% | 3,895 |
| Net operating income to assets | 0.1639% | 5,385 |
| Return on assets (ROA) | 0.1657% | 5,394 |
| Pretax return on assets | 0.1657% | 5,411 |
| Return on Equity (ROE) | 1.2621% | 5,399 |
| Retained earnings to average equity (ytd only) | -72.5826% | 5,726 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5036% | 3,646 |
| Assets per employee ($millions) | 4.2687% | 3,527 |
| Cash dividends to net income (ytd only)* | 5,851.0732% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0314% | 5,681 |
| Loan loss allowance to noncurrent loans | 53.3333% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 5,147 |
| Noncurrent loans to loans | 0.0588% | 4,849 |
| Net loans and leases to total assets | 35.1339% | 5,382 |
| Net loans and leases to deposits | 38.6052% | 5,450 |
| Net loans and leases to core deposits | 39.7791% | 5,464 |
| Total domestic deposits to total assets | 91.0084% | 184 |
| Equity capital to assets | 8.8138% | 5,068 |
| Core capital (leverage) ratio | 8.5409% | 5,219 |
| Tier 1 risk-based capital ratio | 16.2517% | 2,400 |
| Total risk-based capital ratio | 16.2719% | 2,839 |
| Memoranda: | ||
| Average total assets | $75,642,750 | 4,724 |
| Average earning assets | $66,965,000 | 4,775 |
| Average equity | $9,930,500 | 4,511 |
| Average total loans | $24,912,250 | 5,215 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7928% | 3,917 |
| Cost of funding earning assets | 0.3366% | 3,731 |
| Net interest margin | 3.4562% | 3,565 |
| Noninterest income to average assets | 0.6991% | 1,996 |
| Noninterest expense to average assets | 2.4078% | 4,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2913% | 1,317 |
| Return on assets (ROA) | 1.4504% | 975 |
| Pretax return on assets | 1.4504% | 1,819 |
| Return on Equity (ROE) | 10.0102% | 2,032 |
| Retained earnings to average equity (ytd only) | 10.0102% | 582 |
| Net charge-offs to loans | 0.0081% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 495.0000% | 171 |
| Efficiency ratio | 65.0917% | 3,495 |
| Assets per employee ($millions) | 4.5572% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 1,240 |
| Loan loss allowance to noncurrent loans | 1,075.6757% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 5,036 |
| Noncurrent loans to loans | 0.1497% | 4,513 |
| Net loans and leases to total assets | 31.3817% | 5,513 |
| Net loans and leases to deposits | 37.2563% | 5,519 |
| Net loans and leases to core deposits | 38.4021% | 5,535 |
| Total domestic deposits to total assets | 84.2317% | 3,111 |
| Equity capital to assets | 14.9628% | 709 |
| Core capital (leverage) ratio | 14.8312% | 672 |
| Tier 1 risk-based capital ratio | 27.7817% | 562 |
| Total risk-based capital ratio | 28.7425% | 568 |
| Memoranda: | ||
| Average total assets | $76,667,670 | 4,731 |
| Average earning assets | $66,547,330 | 4,816 |
| Average equity | $11,108,670 | 4,346 |
| Average total loans | $24,715,000 | 5,257 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8385% | 3,629 |
| Cost of funding earning assets | 0.3351% | 3,701 |
| Net interest margin | 3.5034% | 3,260 |
| Noninterest income to average assets | 0.7867% | 1,602 |
| Noninterest expense to average assets | 2.3969% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4056% | 991 |
| Return on assets (ROA) | 1.4056% | 1,021 |
| Pretax return on assets | 1.4056% | 1,875 |
| Return on Equity (ROE) | 9.8647% | 2,019 |
| Retained earnings to average equity (ytd only) | 9.8647% | 837 |
| Net charge-offs to loans | -0.0162% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0345% | 3,983 |
| Assets per employee ($millions) | 4.6381% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6755% | 1,198 |
| Loan loss allowance to noncurrent loans | 3,636.3636% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 5,295 |
| Noncurrent loans to loans | 0.0461% | 5,011 |
| Net loans and leases to total assets | 29.7703% | 5,594 |
| Net loans and leases to deposits | 34.9373% | 5,603 |
| Net loans and leases to core deposits | 35.7053% | 5,624 |
| Total domestic deposits to total assets | 85.2106% | 2,999 |
| Equity capital to assets | 14.0817% | 878 |
| Core capital (leverage) ratio | 14.5678% | 692 |
| Tier 1 risk-based capital ratio | 27.0303% | 623 |
| Total risk-based capital ratio | 27.9939% | 630 |
| Memoranda: | ||
| Average total assets | $76,265,500 | 4,789 |
| Average earning assets | $65,650,500 | 4,886 |
| Average equity | $10,867,000 | 4,409 |
| Average total loans | $24,717,500 | 5,308 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8463% | 3,755 |
| Cost of funding earning assets | 0.3404% | 3,629 |
| Net interest margin | 3.5058% | 3,406 |
| Noninterest income to average assets | 0.6866% | 2,237 |
| Noninterest expense to average assets | 2.5837% | 3,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2160% | 1,450 |
| Return on assets (ROA) | 1.2804% | 1,334 |
| Pretax return on assets | 1.2804% | 2,353 |
| Return on Equity (ROE) | 8.5036% | 2,672 |
| Retained earnings to average equity (ytd only) | 3.5514% | 3,400 |
| Net charge-offs to loans | 0.0041% | 4,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 905.0000% | 86 |
| Efficiency ratio | 67.9986% | 3,230 |
| Assets per employee ($millions) | 4.0936% | 3,799 |
| Cash dividends to net income (ytd only)* | 58.2371% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,465 |
| Loan loss allowance to noncurrent loans | 2,660.0000% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 4,893 |
| Noncurrent loans to loans | 0.0587% | 5,013 |
| Net loans and leases to total assets | 34.1499% | 5,545 |
| Net loans and leases to deposits | 40.3143% | 5,541 |
| Net loans and leases to core deposits | 41.5807% | 5,554 |
| Total domestic deposits to total assets | 84.7090% | 3,170 |
| Equity capital to assets | 14.4278% | 753 |
| Core capital (leverage) ratio | 14.8110% | 631 |
| Tier 1 risk-based capital ratio | 26.7487% | 640 |
| Total risk-based capital ratio | 27.7232% | 642 |
| Memoranda: | ||
| Average total assets | $74,427,400 | 4,837 |
| Average earning assets | $66,090,200 | 4,890 |
| Average equity | $11,207,000 | 4,396 |
| Average total loans | $24,476,400 | 5,376 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 3,886 |
| Cost of funding earning assets | 0.3393% | 3,661 |
| Net interest margin | 3.4736% | 3,569 |
| Noninterest income to average assets | 0.6540% | 2,399 |
| Noninterest expense to average assets | 2.3874% | 4,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3581% | 1,148 |
| Return on assets (ROA) | 1.4242% | 1,071 |
| Pretax return on assets | 1.4242% | 1,953 |
| Return on Equity (ROE) | 9.3616% | 2,328 |
| Retained earnings to average equity (ytd only) | 5.6616% | 2,387 |
| Net charge-offs to loans | 0.0055% | 3,715 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 761.8872% | 116 |
| Efficiency ratio | 63.7405% | 3,961 |
| Assets per employee ($millions) | 4.1175% | 3,756 |
| Cash dividends to net income (ytd only)* | 39.5233% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 1,925 |
| Loan loss allowance to noncurrent loans | 798.0000% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 4,832 |
| Noncurrent loans to loans | 0.1831% | 4,617 |
| Net loans and leases to total assets | 36.3057% | 5,540 |
| Net loans and leases to deposits | 43.5778% | 5,527 |
| Net loans and leases to core deposits | 44.5504% | 5,562 |
| Total domestic deposits to total assets | 83.3124% | 3,475 |
| Equity capital to assets | 15.9091% | 564 |
| Core capital (leverage) ratio | 14.9319% | 649 |
| Tier 1 risk-based capital ratio | 26.0450% | 713 |
| Total risk-based capital ratio | 26.9867% | 719 |
| Memoranda: | ||
| Average total assets | $74,613,250 | 4,873 |
| Average earning assets | $66,404,000 | 4,922 |
| Average equity | $11,351,000 | 4,405 |
| Average total loans | $24,205,000 | 5,436 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7517% | 4,121 |
| Cost of funding earning assets | 0.3378% | 3,721 |
| Net interest margin | 3.4140% | 3,837 |
| Noninterest income to average assets | 0.6606% | 2,328 |
| Noninterest expense to average assets | 2.3670% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3212% | 1,220 |
| Return on assets (ROA) | 1.4015% | 1,116 |
| Pretax return on assets | 1.4015% | 2,018 |
| Return on Equity (ROE) | 9.3535% | 2,333 |
| Retained earnings to average equity (ytd only) | 5.6050% | 2,361 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1769% | 3,990 |
| Assets per employee ($millions) | 4.4265% | 3,169 |
| Cash dividends to net income (ytd only)* | 40.0763% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5943% | 1,544 |
| Loan loss allowance to noncurrent loans | 833.3333% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 4,925 |
| Noncurrent loans to loans | 0.1913% | 4,672 |
| Net loans and leases to total assets | 32.8093% | 5,718 |
| Net loans and leases to deposits | 39.1379% | 5,716 |
| Net loans and leases to core deposits | 40.1565% | 5,736 |
| Total domestic deposits to total assets | 83.8299% | 3,338 |
| Equity capital to assets | 15.4086% | 649 |
| Core capital (leverage) ratio | 14.4151% | 724 |
| Tier 1 risk-based capital ratio | 26.7014% | 671 |
| Total risk-based capital ratio | 27.6841% | 678 |
| Memoranda: | ||
| Average total assets | $74,779,330 | 4,915 |
| Average earning assets | $66,316,000 | 4,972 |
| Average equity | $11,204,330 | 4,449 |
| Average total loans | $23,171,000 | 5,532 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7066% | 4,298 |
| Cost of funding earning assets | 0.3331% | 3,796 |
| Net interest margin | 3.3735% | 3,964 |
| Noninterest income to average assets | 0.7137% | 1,970 |
| Noninterest expense to average assets | 2.3879% | 4,407 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3147% | 1,220 |
| Return on assets (ROA) | 1.4166% | 1,069 |
| Pretax return on assets | 1.4166% | 1,856 |
| Return on Equity (ROE) | 9.5922% | 2,159 |
| Retained earnings to average equity (ytd only) | 5.7771% | 2,485 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4928% | 4,043 |
| Assets per employee ($millions) | 4.4995% | 3,070 |
| Cash dividends to net income (ytd only)* | 39.7727% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8165% | 1,120 |
| Loan loss allowance to noncurrent loans | 353.9823% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 4,638 |
| Noncurrent loans to loans | 0.5132% | 3,643 |
| Net loans and leases to total assets | 28.2648% | 5,869 |
| Net loans and leases to deposits | 33.4411% | 5,879 |
| Net loans and leases to core deposits | 34.5401% | 5,883 |
| Total domestic deposits to total assets | 84.5211% | 3,308 |
| Equity capital to assets | 14.7651% | 753 |
| Core capital (leverage) ratio | 14.4937% | 702 |
| Tier 1 risk-based capital ratio | 28.4221% | 581 |
| Total risk-based capital ratio | 29.4834% | 577 |
| Memoranda: | ||
| Average total assets | $74,544,000 | 4,963 |
| Average earning assets | $66,045,000 | 5,022 |
| Average equity | $11,009,000 | 4,506 |
| Average total loans | $22,212,000 | 5,607 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 3,399 |
| Cost of funding earning assets | 0.3469% | 3,730 |
| Net interest margin | 3.6294% | 3,018 |
| Noninterest income to average assets | 0.6783% | 2,301 |
| Noninterest expense to average assets | 2.5614% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3079% | 1,250 |
| Return on assets (ROA) | 1.3315% | 1,240 |
| Pretax return on assets | 1.3315% | 2,159 |
| Return on Equity (ROE) | 8.9491% | 2,479 |
| Retained earnings to average equity (ytd only) | 4.1282% | 3,063 |
| Net charge-offs to loans | -0.2187% | 5,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1987% | 3,873 |
| Assets per employee ($millions) | 4.2704% | 3,449 |
| Cash dividends to net income (ytd only)* | 53.8703% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7854% | 1,159 |
| Loan loss allowance to noncurrent loans | 740.7407% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 4,699 |
| Noncurrent loans to loans | 0.2410% | 4,569 |
| Net loans and leases to total assets | 30.3098% | 5,878 |
| Net loans and leases to deposits | 35.8997% | 5,893 |
| Net loans and leases to core deposits | 36.9902% | 5,902 |
| Total domestic deposits to total assets | 84.4291% | 3,320 |
| Equity capital to assets | 14.7720% | 712 |
| Core capital (leverage) ratio | 14.6704% | 674 |
| Tier 1 risk-based capital ratio | 28.3101% | 583 |
| Total risk-based capital ratio | 29.3830% | 584 |
| Memoranda: | ||
| Average total assets | $71,796,600 | 5,049 |
| Average earning assets | $63,123,800 | 5,105 |
| Average equity | $10,682,600 | 4,540 |
| Average total loans | $22,401,600 | 5,638 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 3,348 |
| Cost of funding earning assets | 0.3474% | 3,783 |
| Net interest margin | 3.6521% | 2,952 |
| Noninterest income to average assets | 0.6536% | 2,461 |
| Noninterest expense to average assets | 2.3930% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4712% | 965 |
| Return on assets (ROA) | 1.4898% | 968 |
| Pretax return on assets | 1.4898% | 1,710 |
| Return on Equity (ROE) | 9.9945% | 2,107 |
| Retained earnings to average equity (ytd only) | 6.0592% | 2,206 |
| Net charge-offs to loans | -0.3095% | 6,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9277% | 4,581 |
| Assets per employee ($millions) | 4.2026% | 3,513 |
| Cash dividends to net income (ytd only)* | 39.3750% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 1,343 |
| Loan loss allowance to noncurrent loans | 1,151.4286% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 4,952 |
| Noncurrent loans to loans | 0.1530% | 5,026 |
| Net loans and leases to total assets | 31.4624% | 5,936 |
| Net loans and leases to deposits | 37.4965% | 5,940 |
| Net loans and leases to core deposits | 39.0657% | 5,944 |
| Total domestic deposits to total assets | 83.9077% | 3,467 |
| Equity capital to assets | 15.3743% | 667 |
| Core capital (leverage) ratio | 14.8880% | 656 |
| Tier 1 risk-based capital ratio | 28.3559% | 596 |
| Total risk-based capital ratio | 29.4341% | 596 |
| Memoranda: | ||
| Average total assets | $71,596,500 | 5,113 |
| Average earning assets | $62,939,500 | 5,176 |
| Average equity | $10,672,250 | 4,590 |
| Average total loans | $22,401,000 | 5,707 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0403% | 3,124 |
| Cost of funding earning assets | 0.3470% | 3,843 |
| Net interest margin | 3.6932% | 2,738 |
| Noninterest income to average assets | 0.6448% | 2,505 |
| Noninterest expense to average assets | 2.3644% | 4,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5185% | 870 |
| Return on assets (ROA) | 1.5381% | 885 |
| Pretax return on assets | 1.5381% | 1,534 |
| Return on Equity (ROE) | 10.4274% | 1,878 |
| Retained earnings to average equity (ytd only) | 6.4532% | 1,973 |
| Net charge-offs to loans | -0.4586% | 6,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8914% | 4,847 |
| Assets per employee ($millions) | 4.2678% | 3,361 |
| Cash dividends to net income (ytd only)* | 38.1125% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7666% | 1,439 |
| Loan loss allowance to noncurrent loans | 1,435.7143% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 5,293 |
| Noncurrent loans to loans | 0.1230% | 5,263 |
| Net loans and leases to total assets | 30.8106% | 6,015 |
| Net loans and leases to deposits | 36.3486% | 6,023 |
| Net loans and leases to core deposits | 37.6615% | 6,035 |
| Total domestic deposits to total assets | 84.7642% | 3,229 |
| Equity capital to assets | 14.5439% | 807 |
| Core capital (leverage) ratio | 14.4486% | 722 |
| Tier 1 risk-based capital ratio | 28.5496% | 614 |
| Total risk-based capital ratio | 29.6474% | 615 |
| Memoranda: | ||
| Average total assets | $71,647,330 | 5,164 |
| Average earning assets | $62,817,670 | 5,231 |
| Average equity | $10,568,330 | 4,641 |
| Average total loans | $22,241,000 | 5,769 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 3,946 |
| Cost of funding earning assets | 0.3576% | 3,776 |
| Net interest margin | 3.4594% | 3,587 |
| Noninterest income to average assets | 0.6798% | 2,257 |
| Noninterest expense to average assets | 2.3429% | 4,762 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3259% | 1,194 |
| Return on assets (ROA) | 1.3316% | 1,259 |
| Pretax return on assets | 1.3316% | 2,150 |
| Return on Equity (ROE) | 8.9633% | 2,460 |
| Retained earnings to average equity (ytd only) | 4.9922% | 3,055 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8591% | 4,508 |
| Assets per employee ($millions) | 4.0362% | 3,886 |
| Cash dividends to net income (ytd only)* | 44.3038% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 2,023 |
| Loan loss allowance to noncurrent loans | 42.1875% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2732% | 2,095 |
| Noncurrent loans to loans | 3.8113% | 473 |
| Net loans and leases to total assets | 29.5646% | 6,090 |
| Net loans and leases to deposits | 35.0032% | 6,093 |
| Net loans and leases to core deposits | 35.9127% | 6,105 |
| Total domestic deposits to total assets | 84.4627% | 3,629 |
| Equity capital to assets | 14.8959% | 734 |
| Core capital (leverage) ratio | 14.3848% | 721 |
| Tier 1 risk-based capital ratio | 29.1548% | 587 |
| Total risk-based capital ratio | 30.1537% | 589 |
| Memoranda: | ||
| Average total assets | $71,194,500 | 5,229 |
| Average earning assets | $61,513,500 | 5,311 |
| Average equity | $10,576,500 | 4,681 |
| Average total loans | $21,983,500 | 5,824 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8659% | 4,263 |
| Cost of funding earning assets | 0.3805% | 3,901 |
| Net interest margin | 3.4854% | 3,852 |
| Noninterest income to average assets | 0.6439% | 2,593 |
| Noninterest expense to average assets | 2.6219% | 4,135 |
| Loan and lease loss provision to assets | 0.0363% | 3,860 |
| Net operating income to assets | 1.0412% | 2,207 |
| Return on assets (ROA) | 1.0514% | 2,222 |
| Pretax return on assets | 1.0514% | 3,294 |
| Return on Equity (ROE) | 7.1741% | 3,542 |
| Retained earnings to average equity (ytd only) | 0.1484% | 5,708 |
| Net charge-offs to loans | 0.2507% | 1,709 |
| Credit loss provision to net charge-offs | 41.6667% | 3,643 |
| Earnings coverage of net charge-offs (x) | 12.3833% | 2,382 |
| Efficiency ratio | 70.8742% | 3,396 |
| Assets per employee ($millions) | 3.8743% | 4,217 |
| Cash dividends to net income (ytd only)* | 97.9310% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5856% | 2,142 |
| Loan loss allowance to noncurrent loans | 38.1522% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 1.4526% | 1,891 |
| Noncurrent loans to loans | 4.1559% | 427 |
| Net loans and leases to total assets | 31.2398% | 6,140 |
| Net loans and leases to deposits | 36.9913% | 6,137 |
| Net loans and leases to core deposits | 37.9607% | 6,147 |
| Total domestic deposits to total assets | 84.4518% | 3,530 |
| Equity capital to assets | 14.8140% | 735 |
| Core capital (leverage) ratio | 14.6523% | 673 |
| Tier 1 risk-based capital ratio | 30.1194% | 504 |
| Total risk-based capital ratio | 31.1649% | 510 |
| Memoranda: | ||
| Average total assets | $68,956,600 | 5,319 |
| Average earning assets | $60,452,400 | 5,382 |
| Average equity | $10,105,800 | 4,731 |
| Average total loans | $23,934,800 | 5,824 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7890% | 4,580 |
| Cost of funding earning assets | 0.3767% | 4,058 |
| Net interest margin | 3.4123% | 4,186 |
| Noninterest income to average assets | 0.6341% | 2,656 |
| Noninterest expense to average assets | 2.4606% | 4,640 |
| Loan and lease loss provision to assets | 0.0485% | 3,408 |
| Net operating income to assets | 1.1634% | 1,813 |
| Return on assets (ROA) | 1.1751% | 1,844 |
| Pretax return on assets | 1.1751% | 2,887 |
| Return on Equity (ROE) | 8.0400% | 3,182 |
| Retained earnings to average equity (ytd only) | 5.2539% | 2,917 |
| Net charge-offs to loans | 0.3171% | 1,255 |
| Credit loss provision to net charge-offs | 43.1034% | 3,237 |
| Earnings coverage of net charge-offs (x) | 10.7760% | 2,505 |
| Efficiency ratio | 67.0011% | 4,045 |
| Assets per employee ($millions) | 3.8037% | 4,282 |
| Cash dividends to net income (ytd only)* | 34.6531% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 3,482 |
| Loan loss allowance to noncurrent loans | 40.2968% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 1.4460% | 2,136 |
| Noncurrent loans to loans | 3.3102% | 751 |
| Net loans and leases to total assets | 38.1372% | 5,934 |
| Net loans and leases to deposits | 45.4587% | 5,902 |
| Net loans and leases to core deposits | 46.7989% | 5,931 |
| Total domestic deposits to total assets | 83.8942% | 3,801 |
| Equity capital to assets | 15.4223% | 648 |
| Core capital (leverage) ratio | 15.3255% | 575 |
| Tier 1 risk-based capital ratio | 28.5590% | 607 |
| Total risk-based capital ratio | 29.5197% | 609 |
| Memoranda: | ||
| Average total assets | $68,761,250 | 5,379 |
| Average earning assets | $61,227,500 | 5,426 |
| Average equity | $10,049,500 | 4,772 |
| Average total loans | $24,384,250 | 5,866 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 4,619 |
| Cost of funding earning assets | 0.3774% | 4,135 |
| Net interest margin | 3.3937% | 4,206 |
| Noninterest income to average assets | 0.6506% | 2,542 |
| Noninterest expense to average assets | 2.4543% | 4,716 |
| Loan and lease loss provision to assets | 0.0726% | 2,820 |
| Net operating income to assets | 1.1531% | 1,748 |
| Return on assets (ROA) | 1.1502% | 1,836 |
| Pretax return on assets | 1.1502% | 2,879 |
| Return on Equity (ROE) | 8.0165% | 3,085 |
| Retained earnings to average equity (ytd only) | 3.7653% | 3,792 |
| Net charge-offs to loans | 0.4559% | 890 |
| Credit loss provision to net charge-offs | 46.2963% | 2,844 |
| Earnings coverage of net charge-offs (x) | 7.8148% | 2,576 |
| Efficiency ratio | 66.6930% | 4,249 |
| Assets per employee ($millions) | 3.8268% | 4,204 |
| Cash dividends to net income (ytd only)* | 53.0303% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 2,862 |
| Loan loss allowance to noncurrent loans | 29.4312% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 1.9279% | 1,675 |
| Noncurrent loans to loans | 5.1244% | 376 |
| Net loans and leases to total assets | 33.8458% | 6,155 |
| Net loans and leases to deposits | 40.0529% | 6,150 |
| Net loans and leases to core deposits | 41.2170% | 6,182 |
| Total domestic deposits to total assets | 84.5027% | 3,720 |
| Equity capital to assets | 14.8513% | 737 |
| Core capital (leverage) ratio | 14.9546% | 615 |
| Tier 1 risk-based capital ratio | 29.3820% | 553 |
| Total risk-based capital ratio | 30.4020% | 556 |
| Memoranda: | ||
| Average total assets | $68,859,670 | 5,425 |
| Average earning assets | $61,467,670 | 5,467 |
| Average equity | $9,879,670 | 4,832 |
| Average total loans | $23,691,000 | 5,942 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 4,691 |
| Cost of funding earning assets | 0.3777% | 4,222 |
| Net interest margin | 3.3667% | 4,266 |
| Noninterest income to average assets | 0.6623% | 2,390 |
| Noninterest expense to average assets | 2.4285% | 4,850 |
| Loan and lease loss provision to assets | 0.1452% | 1,681 |
| Net operating income to assets | 1.0923% | 1,845 |
| Return on assets (ROA) | 1.1097% | 1,835 |
| Pretax return on assets | 1.1097% | 2,860 |
| Return on Equity (ROE) | 7.8726% | 2,993 |
| Retained earnings to average equity (ytd only) | 3.5447% | 4,008 |
| Net charge-offs to loans | 0.2532% | 1,316 |
| Credit loss provision to net charge-offs | 166.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | 14.2000% | 1,624 |
| Efficiency ratio | 66.2441% | 4,493 |
| Assets per employee ($millions) | 3.8701% | 4,189 |
| Cash dividends to net income (ytd only)* | 54.9738% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 2,465 |
| Loan loss allowance to noncurrent loans | 30.7215% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 1.9408% | 1,771 |
| Noncurrent loans to loans | 5.4071% | 375 |
| Net loans and leases to total assets | 33.6525% | 6,195 |
| Net loans and leases to deposits | 39.5116% | 6,188 |
| Net loans and leases to core deposits | 40.5750% | 6,217 |
| Total domestic deposits to total assets | 85.1713% | 3,792 |
| Equity capital to assets | 14.2129% | 856 |
| Core capital (leverage) ratio | 14.7946% | 626 |
| Tier 1 risk-based capital ratio | 28.7708% | 591 |
| Total risk-based capital ratio | 29.8895% | 586 |
| Memoranda: | ||
| Average total assets | $68,848,000 | 5,481 |
| Average earning assets | $61,425,000 | 5,530 |
| Average equity | $9,704,500 | 4,888 |
| Average total loans | $23,701,000 | 5,995 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9872% | 4,129 |
| Cost of funding earning assets | 0.4345% | 4,270 |
| Net interest margin | 3.5527% | 3,666 |
| Noninterest income to average assets | 0.6783% | 2,659 |
| Noninterest expense to average assets | 2.6280% | 4,360 |
| Loan and lease loss provision to assets | 0.0747% | 3,621 |
| Net operating income to assets | 1.1519% | 1,753 |
| Return on assets (ROA) | 1.2236% | 1,540 |
| Pretax return on assets | 1.2236% | 2,486 |
| Return on Equity (ROE) | 8.1655% | 2,948 |
| Retained earnings to average equity (ytd only) | 3.6291% | 3,640 |
| Net charge-offs to loans | 0.2016% | 2,860 |
| Credit loss provision to net charge-offs | 104.1667% | 2,328 |
| Earnings coverage of net charge-offs (x) | 17.1042% | 1,739 |
| Efficiency ratio | 68.1783% | 4,164 |
| Assets per employee ($millions) | 4.2521% | 3,352 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6382% | 2,619 |
| Loan loss allowance to noncurrent loans | 31.0040% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 1.9226% | 1,880 |
| Noncurrent loans to loans | 5.2837% | 444 |
| Net loans and leases to total assets | 34.0668% | 6,296 |
| Net loans and leases to deposits | 39.9390% | 6,303 |
| Net loans and leases to core deposits | 41.2858% | 6,324 |
| Total domestic deposits to total assets | 85.2971% | 3,597 |
| Equity capital to assets | 13.9754% | 905 |
| Core capital (leverage) ratio | 14.9831% | 604 |
| Tier 1 risk-based capital ratio | 28.5133% | 582 |
| Total risk-based capital ratio | 29.6033% | 578 |
| Memoranda: | ||
| Average total assets | $66,933,600 | 5,570 |
| Average earning assets | $59,842,000 | 5,596 |
| Average equity | $10,030,000 | 4,841 |
| Average total loans | $23,807,000 | 6,041 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9820% | 4,204 |
| Cost of funding earning assets | 0.4427% | 4,356 |
| Net interest margin | 3.5393% | 3,716 |
| Noninterest income to average assets | 0.6541% | 2,862 |
| Noninterest expense to average assets | 2.4382% | 4,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3821% | 1,142 |
| Return on assets (ROA) | 1.4762% | 985 |
| Pretax return on assets | 1.4762% | 1,686 |
| Return on Equity (ROE) | 9.6844% | 2,310 |
| Retained earnings to average equity (ytd only) | 5.5508% | 2,693 |
| Net charge-offs to loans | -0.0112% | 5,912 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8220% | 4,826 |
| Assets per employee ($millions) | 3.8561% | 4,119 |
| Cash dividends to net income (ytd only)* | 42.6828% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5760% | 3,118 |
| Loan loss allowance to noncurrent loans | 30.1092% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 2.0517% | 1,966 |
| Noncurrent loans to loans | 5.2344% | 549 |
| Net loans and leases to total assets | 36.7727% | 6,238 |
| Net loans and leases to deposits | 43.5346% | 6,230 |
| Net loans and leases to core deposits | 44.6143% | 6,269 |
| Total domestic deposits to total assets | 84.4678% | 3,995 |
| Equity capital to assets | 14.8092% | 748 |
| Core capital (leverage) ratio | 15.5159% | 560 |
| Tier 1 risk-based capital ratio | 28.5590% | 589 |
| Total risk-based capital ratio | 29.6443% | 587 |
| Memoranda: | ||
| Average total assets | $66,658,500 | 5,630 |
| Average earning assets | $59,634,000 | 5,660 |
| Average equity | $10,160,500 | 4,855 |
| Average total loans | $23,868,000 | 6,099 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 4,211 |
| Cost of funding earning assets | 0.4485% | 4,444 |
| Net interest margin | 3.5246% | 3,682 |
| Noninterest income to average assets | 0.6356% | 2,987 |
| Noninterest expense to average assets | 2.3901% | 5,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3875% | 1,106 |
| Return on assets (ROA) | 1.4561% | 1,047 |
| Pretax return on assets | 1.4561% | 1,752 |
| Return on Equity (ROE) | 9.4653% | 2,428 |
| Retained earnings to average equity (ytd only) | 5.3921% | 2,818 |
| Net charge-offs to loans | -0.0169% | 5,912 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2701% | 4,968 |
| Assets per employee ($millions) | 4.1443% | 3,481 |
| Cash dividends to net income (ytd only)* | 43.0328% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 2,959 |
| Loan loss allowance to noncurrent loans | 4,288.8889% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 6,166 |
| Noncurrent loans to loans | 0.0386% | 6,284 |
| Net loans and leases to total assets | 34.5871% | 6,383 |
| Net loans and leases to deposits | 40.9141% | 6,371 |
| Net loans and leases to core deposits | 41.7240% | 6,416 |
| Total domestic deposits to total assets | 84.5358% | 4,112 |
| Equity capital to assets | 14.8489% | 744 |
| Core capital (leverage) ratio | 14.9814% | 614 |
| Tier 1 risk-based capital ratio | 29.1263% | 568 |
| Total risk-based capital ratio | 30.2493% | 562 |
| Memoranda: | ||
| Average total assets | $67,026,670 | 5,657 |
| Average earning assets | $59,750,670 | 5,702 |
| Average equity | $10,311,330 | 4,870 |
| Average total loans | $23,660,000 | 6,140 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8708% | 4,585 |
| Cost of funding earning assets | 0.4629% | 4,452 |
| Net interest margin | 3.4079% | 4,087 |
| Noninterest income to average assets | 0.6292% | 2,983 |
| Noninterest expense to average assets | 2.3744% | 5,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2703% | 1,353 |
| Return on assets (ROA) | 1.4068% | 1,098 |
| Pretax return on assets | 1.4068% | 1,828 |
| Return on Equity (ROE) | 8.9909% | 2,494 |
| Retained earnings to average equity (ytd only) | 5.0076% | 3,222 |
| Net charge-offs to loans | 0.0336% | 3,561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 356 |
| Efficiency ratio | 65.1466% | 4,806 |
| Assets per employee ($millions) | 4.2856% | 3,361 |
| Cash dividends to net income (ytd only)* | 44.3038% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 3,198 |
| Loan loss allowance to noncurrent loans | 72.0755% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8648% | 4,224 |
| Noncurrent loans to loans | 2.2889% | 2,283 |
| Net loans and leases to total assets | 33.2113% | 6,457 |
| Net loans and leases to deposits | 39.5571% | 6,440 |
| Net loans and leases to core deposits | 39.9638% | 6,485 |
| Total domestic deposits to total assets | 83.9580% | 4,495 |
| Equity capital to assets | 15.3974% | 662 |
| Core capital (leverage) ratio | 14.7728% | 624 |
| Tier 1 risk-based capital ratio | 28.8746% | 589 |
| Total risk-based capital ratio | 29.9927% | 585 |
| Memoranda: | ||
| Average total assets | $67,386,000 | 5,701 |
| Average earning assets | $59,626,000 | 5,757 |
| Average equity | $10,544,000 | 4,875 |
| Average total loans | $23,830,000 | 6,187 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3930% | 3,836 |
| Cost of funding earning assets | 0.6479% | 3,929 |
| Net interest margin | 3.7450% | 3,464 |
| Noninterest income to average assets | 0.6421% | 3,041 |
| Noninterest expense to average assets | 2.7714% | 4,139 |
| Loan and lease loss provision to assets | 0.1163% | 4,175 |
| Net operating income to assets | 0.9724% | 2,450 |
| Return on assets (ROA) | 1.1399% | 1,976 |
| Pretax return on assets | 1.1399% | 3,020 |
| Return on Equity (ROE) | 7.1244% | 3,568 |
| Retained earnings to average equity (ytd only) | 3.0533% | 4,085 |
| Net charge-offs to loans | 0.1842% | 3,912 |
| Credit loss provision to net charge-offs | 163.0435% | 1,651 |
| Earnings coverage of net charge-offs (x) | 15.2609% | 1,665 |
| Efficiency ratio | 71.7959% | 3,456 |
| Assets per employee ($millions) | 3.8942% | 4,159 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5670% | 3,450 |
| Loan loss allowance to noncurrent loans | 71.5084% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 0.9849% | 4,061 |
| Noncurrent loans to loans | 2.1914% | 2,478 |
| Net loans and leases to total assets | 36.4355% | 6,400 |
| Net loans and leases to deposits | 43.7181% | 6,385 |
| Net loans and leases to core deposits | 44.1874% | 6,456 |
| Total domestic deposits to total assets | 83.3419% | 4,588 |
| Equity capital to assets | 15.9059% | 569 |
| Core capital (leverage) ratio | 14.9481% | 583 |
| Tier 1 risk-based capital ratio | 28.1089% | 619 |
| Total risk-based capital ratio | 29.2179% | 614 |
| Memoranda: | ||
| Average total assets | $64,479,400 | 5,799 |
| Average earning assets | $55,406,600 | 5,876 |
| Average equity | $10,316,600 | 4,913 |
| Average total loans | $24,977,200 | 6,195 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 3,824 |
| Cost of funding earning assets | 0.6780% | 3,954 |
| Net interest margin | 3.7737% | 3,449 |
| Noninterest income to average assets | 0.5975% | 3,292 |
| Noninterest expense to average assets | 2.6084% | 4,714 |
| Loan and lease loss provision to assets | 0.1561% | 3,572 |
| Net operating income to assets | 1.0658% | 2,235 |
| Return on assets (ROA) | 1.2698% | 1,671 |
| Pretax return on assets | 1.2698% | 2,708 |
| Return on Equity (ROE) | 7.9245% | 3,313 |
| Retained earnings to average equity (ytd only) | 3.8323% | 4,193 |
| Net charge-offs to loans | 0.2497% | 3,223 |
| Credit loss provision to net charge-offs | 159.5745% | 1,753 |
| Earnings coverage of net charge-offs (x) | 12.4884% | 1,997 |
| Efficiency ratio | 68.0978% | 4,038 |
| Assets per employee ($millions) | 3.5466% | 4,854 |
| Cash dividends to net income (ytd only)* | 51.6396% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 3,548 |
| Loan loss allowance to noncurrent loans | 70.9259% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.0354% | 4,225 |
| Noncurrent loans to loans | 2.2446% | 2,565 |
| Net loans and leases to total assets | 37.0855% | 6,479 |
| Net loans and leases to deposits | 44.7619% | 6,467 |
| Net loans and leases to core deposits | 45.2616% | 6,550 |
| Total domestic deposits to total assets | 82.8506% | 4,704 |
| Equity capital to assets | 16.4257% | 540 |
| Core capital (leverage) ratio | 15.0573% | 600 |
| Tier 1 risk-based capital ratio | 29.0573% | 581 |
| Total risk-based capital ratio | 30.2031% | 580 |
| Memoranda: | ||
| Average total assets | $64,048,750 | 5,878 |
| Average earning assets | $54,869,500 | 5,968 |
| Average equity | $10,263,250 | 4,967 |
| Average total loans | $25,095,250 | 6,270 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5155% | 3,702 |
| Cost of funding earning assets | 0.7099% | 3,939 |
| Net interest margin | 3.8056% | 3,330 |
| Noninterest income to average assets | 0.8141% | 2,119 |
| Noninterest expense to average assets | 2.8822% | 3,692 |
| Loan and lease loss provision to assets | 0.0780% | 4,636 |
| Net operating income to assets | 1.0980% | 2,055 |
| Return on assets (ROA) | 1.3787% | 1,392 |
| Pretax return on assets | 1.3787% | 2,297 |
| Return on Equity (ROE) | 8.6760% | 2,953 |
| Retained earnings to average equity (ytd only) | 4.5539% | 3,575 |
| Net charge-offs to loans | 0.4874% | 2,127 |
| Credit loss provision to net charge-offs | 40.3226% | 4,252 |
| Earnings coverage of net charge-offs (x) | 6.0806% | 2,705 |
| Efficiency ratio | 71.0223% | 3,596 |
| Assets per employee ($millions) | 3.6286% | 4,687 |
| Cash dividends to net income (ytd only)* | 47.5113% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 4,967 |
| Loan loss allowance to noncurrent loans | 58.7800% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.3335% | 3,774 |
| Noncurrent loans to loans | 2.1830% | 2,732 |
| Net loans and leases to total assets | 37.4554% | 6,519 |
| Net loans and leases to deposits | 44.8683% | 6,509 |
| Net loans and leases to core deposits | 45.3533% | 6,603 |
| Total domestic deposits to total assets | 83.4785% | 4,540 |
| Equity capital to assets | 15.8846% | 604 |
| Core capital (leverage) ratio | 14.9185% | 612 |
| Tier 1 risk-based capital ratio | 27.9799% | 645 |
| Total risk-based capital ratio | 28.9020% | 663 |
| Memoranda: | ||
| Average total assets | $64,118,670 | 5,913 |
| Average earning assets | $54,656,330 | 6,011 |
| Average equity | $10,189,000 | 4,986 |
| Average total loans | $25,441,000 | 6,292 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6214% | 3,404 |
| Cost of funding earning assets | 0.7888% | 3,557 |
| Net interest margin | 3.8326% | 3,229 |
| Noninterest income to average assets | 0.8879% | 1,802 |
| Noninterest expense to average assets | 2.7771% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3539% | 1,308 |
| Return on assets (ROA) | 1.3665% | 1,441 |
| Pretax return on assets | 1.3665% | 2,304 |
| Return on Equity (ROE) | 8.5975% | 3,002 |
| Retained earnings to average equity (ytd only) | 4.4374% | 3,932 |
| Net charge-offs to loans | 0.6674% | 1,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,462 |
| Efficiency ratio | 67.2256% | 4,317 |
| Assets per employee ($millions) | 3.6209% | 4,826 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 5,228 |
| Loan loss allowance to noncurrent loans | 891.4286% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.6720% | 5,219 |
| Noncurrent loans to loans | 0.1405% | 6,405 |
| Net loans and leases to total assets | 37.7317% | 6,507 |
| Net loans and leases to deposits | 45.0329% | 6,489 |
| Net loans and leases to core deposits | 45.0329% | 6,619 |
| Total domestic deposits to total assets | 83.7870% | 4,601 |
| Equity capital to assets | 15.5195% | 656 |
| Core capital (leverage) ratio | 14.7929% | 633 |
| Tier 1 risk-based capital ratio | 27.4489% | 693 |
| Total risk-based capital ratio | 28.3476% | 704 |
| Memoranda: | ||
| Average total assets | $63,520,500 | 5,970 |
| Average earning assets | $53,750,000 | 6,072 |
| Average equity | $10,096,000 | 5,018 |
| Average total loans | $25,770,500 | 6,322 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1315% | 2,325 |
| Cost of funding earning assets | 1.0056% | 3,334 |
| Net interest margin | 4.1259% | 2,326 |
| Noninterest income to average assets | 0.8521% | 1,836 |
| Noninterest expense to average assets | 2.9920% | 3,624 |
| Loan and lease loss provision to assets | 0.3673% | 2,789 |
| Net operating income to assets | 1.0757% | 1,903 |
| Return on assets (ROA) | 1.1965% | 1,631 |
| Pretax return on assets | 1.1965% | 2,472 |
| Return on Equity (ROE) | 7.5192% | 3,139 |
| Retained earnings to average equity (ytd only) | 3.2108% | 3,936 |
| Net charge-offs to loans | 0.8206% | 2,108 |
| Credit loss provision to net charge-offs | 98.6842% | 3,637 |
| Earnings coverage of net charge-offs (x) | 3.8772% | 3,349 |
| Efficiency ratio | 67.4641% | 4,474 |
| Assets per employee ($millions) | 3.4369% | 5,164 |
| Cash dividends to net income (ytd only)* | 57.2988% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 4,739 |
| Loan loss allowance to noncurrent loans | 149.7890% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.9294% | 4,750 |
| Noncurrent loans to loans | 0.8897% | 4,909 |
| Net loans and leases to total assets | 42.4828% | 6,339 |
| Net loans and leases to deposits | 51.3210% | 6,267 |
| Net loans and leases to core deposits | 51.6549% | 6,442 |
| Total domestic deposits to total assets | 82.7786% | 4,848 |
| Equity capital to assets | 16.2887% | 544 |
| Core capital (leverage) ratio | 15.2659% | 567 |
| Tier 1 risk-based capital ratio | 26.5707% | 735 |
| Total risk-based capital ratio | 27.5723% | 743 |
| Memoranda: | ||
| Average total assets | $61,262,400 | 6,005 |
| Average earning assets | $53,200,800 | 6,070 |
| Average equity | $9,748,400 | 5,085 |
| Average total loans | $27,785,200 | 6,259 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1601% | 2,345 |
| Cost of funding earning assets | 1.0395% | 3,393 |
| Net interest margin | 4.1206% | 2,388 |
| Noninterest income to average assets | 0.8356% | 1,901 |
| Noninterest expense to average assets | 2.7621% | 4,489 |
| Loan and lease loss provision to assets | 0.3273% | 2,918 |
| Net operating income to assets | 1.3439% | 1,279 |
| Return on assets (ROA) | 1.3810% | 1,276 |
| Pretax return on assets | 1.3810% | 1,997 |
| Return on Equity (ROE) | 8.7312% | 2,725 |
| Retained earnings to average equity (ytd only) | 4.3863% | 3,605 |
| Net charge-offs to loans | 1.0734% | 1,483 |
| Credit loss provision to net charge-offs | 66.3717% | 4,589 |
| Earnings coverage of net charge-offs (x) | 3.3893% | 3,456 |
| Efficiency ratio | 62.3031% | 5,366 |
| Assets per employee ($millions) | 3.4162% | 5,210 |
| Cash dividends to net income (ytd only)* | 49.7630% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 6,042 |
| Loan loss allowance to noncurrent loans | 213.6364% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 5,228 |
| Noncurrent loans to loans | 0.4922% | 5,865 |
| Net loans and leases to total assets | 43.1575% | 6,413 |
| Net loans and leases to deposits | 52.2824% | 6,340 |
| Net loans and leases to core deposits | 52.8983% | 6,516 |
| Total domestic deposits to total assets | 82.5470% | 4,855 |
| Equity capital to assets | 16.6821% | 519 |
| Core capital (leverage) ratio | 15.4550% | 584 |
| Tier 1 risk-based capital ratio | 26.8916% | 742 |
| Total risk-based capital ratio | 27.6964% | 766 |
| Memoranda: | ||
| Average total assets | $61,111,750 | 6,052 |
| Average earning assets | $53,356,500 | 6,116 |
| Average equity | $9,666,250 | 5,140 |
| Average total loans | $28,072,250 | 6,298 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2720% | 1,987 |
| Cost of funding earning assets | 1.0754% | 3,422 |
| Net interest margin | 4.1966% | 2,048 |
| Noninterest income to average assets | 0.8363% | 1,859 |
| Noninterest expense to average assets | 2.7908% | 4,462 |
| Loan and lease loss provision to assets | 0.2952% | 3,040 |
| Net operating income to assets | 1.4233% | 1,039 |
| Return on assets (ROA) | 1.4036% | 1,137 |
| Pretax return on assets | 1.4036% | 1,789 |
| Return on Equity (ROE) | 9.0400% | 2,496 |
| Retained earnings to average equity (ytd only) | 4.6045% | 3,255 |
| Net charge-offs to loans | 1.2566% | 1,238 |
| Credit loss provision to net charge-offs | 50.2793% | 4,574 |
| Earnings coverage of net charge-offs (x) | 2.9274% | 3,386 |
| Efficiency ratio | 61.8909% | 5,598 |
| Assets per employee ($millions) | 3.2055% | 5,629 |
| Cash dividends to net income (ytd only)* | 49.0654% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 6,467 |
| Loan loss allowance to noncurrent loans | 82.5153% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 5,621 |
| Noncurrent loans to loans | 1.1698% | 4,699 |
| Net loans and leases to total assets | 45.3132% | 6,322 |
| Net loans and leases to deposits | 54.6874% | 6,253 |
| Net loans and leases to core deposits | 55.3321% | 6,472 |
| Total domestic deposits to total assets | 82.8586% | 4,823 |
| Equity capital to assets | 16.0857% | 603 |
| Core capital (leverage) ratio | 15.2074% | 627 |
| Tier 1 risk-based capital ratio | 26.4702% | 766 |
| Total risk-based capital ratio | 27.2340% | 799 |
| Memoranda: | ||
| Average total assets | $60,985,330 | 6,105 |
| Average earning assets | $53,376,670 | 6,167 |
| Average equity | $9,469,000 | 5,193 |
| Average total loans | $28,489,670 | 6,344 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2449% | 2,073 |
| Cost of funding earning assets | 1.1078% | 3,476 |
| Net interest margin | 4.1371% | 2,128 |
| Noninterest income to average assets | 0.8914% | 1,685 |
| Noninterest expense to average assets | 2.8316% | 4,325 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6583% | 613 |
| Return on assets (ROA) | 1.6190% | 698 |
| Pretax return on assets | 1.6190% | 1,145 |
| Return on Equity (ROE) | 10.6179% | 1,868 |
| Retained earnings to average equity (ytd only) | 6.1042% | 2,572 |
| Net charge-offs to loans | 0.0278% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 126.5000% | 252 |
| Efficiency ratio | 63.0657% | 5,512 |
| Assets per employee ($millions) | 3.4646% | 5,078 |
| Cash dividends to net income (ytd only)* | 42.5101% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 5,453 |
| Loan loss allowance to noncurrent loans | 53.6145% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.1241% | 4,679 |
| Noncurrent loans to loans | 2.3084% | 3,184 |
| Net loans and leases to total assets | 45.5527% | 6,325 |
| Net loans and leases to deposits | 54.1693% | 6,280 |
| Net loans and leases to core deposits | 54.7804% | 6,504 |
| Total domestic deposits to total assets | 84.0931% | 4,456 |
| Equity capital to assets | 15.0362% | 759 |
| Core capital (leverage) ratio | 15.0925% | 650 |
| Tier 1 risk-based capital ratio | 25.2871% | 850 |
| Total risk-based capital ratio | 26.2607% | 860 |
| Memoranda: | ||
| Average total assets | $61,025,500 | 6,155 |
| Average earning assets | $53,080,500 | 6,233 |
| Average equity | $9,305,000 | 5,231 |
| Average total loans | $28,801,000 | 6,383 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8882% | 1,070 |
| Cost of funding earning assets | 1.3532% | 3,549 |
| Net interest margin | 4.5350% | 1,163 |
| Noninterest income to average assets | 0.8341% | 2,127 |
| Noninterest expense to average assets | 3.0419% | 3,687 |
| Loan and lease loss provision to assets | 0.2553% | 4,746 |
| Net operating income to assets | 1.4503% | 854 |
| Return on assets (ROA) | 1.5252% | 783 |
| Pretax return on assets | 1.5252% | 1,311 |
| Return on Equity (ROE) | 9.5476% | 2,095 |
| Retained earnings to average equity (ytd only) | 2.8344% | 3,864 |
| Net charge-offs to loans | 0.1660% | 5,339 |
| Credit loss provision to net charge-offs | 326.0870% | 792 |
| Earnings coverage of net charge-offs (x) | 21.7826% | 953 |
| Efficiency ratio | 64.0731% | 5,340 |
| Assets per employee ($millions) | 3.1415% | 5,786 |
| Cash dividends to net income (ytd only)* | 70.3125% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 5,319 |
| Loan loss allowance to noncurrent loans | 393.4066% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 6,831 |
| Noncurrent loans to loans | 0.3156% | 6,424 |
| Net loans and leases to total assets | 47.7148% | 6,419 |
| Net loans and leases to deposits | 57.2531% | 6,331 |
| Net loans and leases to core deposits | 57.9309% | 6,565 |
| Total domestic deposits to total assets | 83.3400% | 4,666 |
| Equity capital to assets | 15.4688% | 687 |
| Core capital (leverage) ratio | 15.1819% | 632 |
| Tier 1 risk-based capital ratio | 25.2763% | 821 |
| Total risk-based capital ratio | 26.2702% | 824 |
| Memoranda: | ||
| Average total assets | $58,746,000 | 6,250 |
| Average earning assets | $50,694,200 | 6,340 |
| Average equity | $9,384,600 | 5,303 |
| Average total loans | $27,709,400 | 6,515 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9126% | 1,107 |
| Cost of funding earning assets | 1.3778% | 3,724 |
| Net interest margin | 4.5348% | 1,180 |
| Noninterest income to average assets | 0.8272% | 2,092 |
| Noninterest expense to average assets | 2.8279% | 4,361 |
| Loan and lease loss provision to assets | 0.0342% | 6,738 |
| Net operating income to assets | 1.9028% | 401 |
| Return on assets (ROA) | 1.9028% | 447 |
| Pretax return on assets | 1.9028% | 765 |
| Return on Equity (ROE) | 11.8154% | 1,555 |
| Retained earnings to average equity (ytd only) | 4.3865% | 3,408 |
| Net charge-offs to loans | 0.0292% | 6,269 |
| Credit loss provision to net charge-offs | 250.0000% | 1,328 |
| Earnings coverage of net charge-offs (x) | 141.6638% | 226 |
| Efficiency ratio | 59.3496% | 6,054 |
| Assets per employee ($millions) | 3.1477% | 5,806 |
| Cash dividends to net income (ytd only)* | 62.8738% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 6,637 |
| Loan loss allowance to noncurrent loans | 1,143.4783% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 7,225 |
| Noncurrent loans to loans | 0.0816% | 7,033 |
| Net loans and leases to total assets | 46.6742% | 6,640 |
| Net loans and leases to deposits | 56.6793% | 6,569 |
| Net loans and leases to core deposits | 57.3536% | 6,773 |
| Total domestic deposits to total assets | 82.3479% | 4,854 |
| Equity capital to assets | 16.5669% | 581 |
| Core capital (leverage) ratio | 15.7702% | 598 |
| Tier 1 risk-based capital ratio | 24.6550% | 881 |
| Total risk-based capital ratio | 25.3638% | 908 |
| Memoranda: | ||
| Average total assets | $58,510,500 | 6,325 |
| Average earning assets | $50,805,500 | 6,411 |
| Average equity | $9,422,500 | 5,369 |
| Average total loans | $27,427,250 | 6,618 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9102% | 1,158 |
| Cost of funding earning assets | 1.4027% | 3,861 |
| Net interest margin | 4.5075% | 1,191 |
| Noninterest income to average assets | 0.8161% | 2,036 |
| Noninterest expense to average assets | 2.8375% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.9181% | 383 |
| Return on assets (ROA) | 1.9181% | 422 |
| Pretax return on assets | 1.9181% | 714 |
| Return on Equity (ROE) | 12.0294% | 1,444 |
| Retained earnings to average equity (ytd only) | 2.9587% | 4,242 |
| Net charge-offs to loans | -0.0074% | 7,159 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6669% | 6,108 |
| Assets per employee ($millions) | 3.0277% | 6,085 |
| Cash dividends to net income (ytd only)* | 75.4039% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 6,717 |
| Loan loss allowance to noncurrent loans | 1,062.5000% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 7,289 |
| Noncurrent loans to loans | 0.0858% | 7,097 |
| Net loans and leases to total assets | 48.1530% | 6,616 |
| Net loans and leases to deposits | 58.2566% | 6,558 |
| Net loans and leases to core deposits | 58.9709% | 6,766 |
| Total domestic deposits to total assets | 82.6568% | 4,711 |
| Equity capital to assets | 16.4983% | 599 |
| Core capital (leverage) ratio | 15.5720% | 627 |
| Tier 1 risk-based capital ratio | 24.7069% | 872 |
| Total risk-based capital ratio | 25.4088% | 907 |
| Memoranda: | ||
| Average total assets | $58,078,670 | 6,387 |
| Average earning assets | $50,759,330 | 6,453 |
| Average equity | $9,260,670 | 5,429 |
| Average total loans | $27,177,330 | 6,676 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9131% | 1,177 |
| Cost of funding earning assets | 1.4604% | 3,805 |
| Net interest margin | 4.4526% | 1,250 |
| Noninterest income to average assets | 0.8568% | 1,786 |
| Noninterest expense to average assets | 2.9269% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7548% | 548 |
| Return on assets (ROA) | 1.7548% | 598 |
| Pretax return on assets | 1.7754% | 927 |
| Return on Equity (ROE) | 11.1968% | 1,721 |
| Retained earnings to average equity (ytd only) | -2.5805% | 6,308 |
| Net charge-offs to loans | -0.0149% | 6,994 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2449% | 5,788 |
| Assets per employee ($millions) | 2.9349% | 6,370 |
| Cash dividends to net income (ytd only)* | 123.0469% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 6,627 |
| Loan loss allowance to noncurrent loans | 277.1739% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 7,085 |
| Noncurrent loans to loans | 0.3477% | 6,607 |
| Net loans and leases to total assets | 44.6462% | 6,939 |
| Net loans and leases to deposits | 53.3521% | 6,959 |
| Net loans and leases to core deposits | 53.9818% | 7,106 |
| Total domestic deposits to total assets | 83.6823% | 4,309 |
| Equity capital to assets | 15.6533% | 727 |
| Core capital (leverage) ratio | 15.0612% | 742 |
| Tier 1 risk-based capital ratio | 24.6601% | 900 |
| Total risk-based capital ratio | 25.3764% | 931 |
| Memoranda: | ||
| Average total assets | $58,354,500 | 6,457 |
| Average earning assets | $50,397,000 | 6,533 |
| Average equity | $9,145,500 | 5,503 |
| Average total loans | $26,788,000 | 6,783 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1245% | 1,449 |
| Cost of funding earning assets | 1.7398% | 4,307 |
| Net interest margin | 4.3846% | 1,480 |
| Noninterest income to average assets | 0.6681% | 3,172 |
| Noninterest expense to average assets | 2.9709% | 4,260 |
| Loan and lease loss provision to assets | 0.0577% | 6,987 |
| Net operating income to assets | 1.5688% | 585 |
| Return on assets (ROA) | 1.6694% | 502 |
| Pretax return on assets | 1.6644% | 845 |
| Return on Equity (ROE) | 11.2585% | 1,364 |
| Retained earnings to average equity (ytd only) | 3.8604% | 2,505 |
| Net charge-offs to loans | 0.0726% | 6,382 |
| Credit loss provision to net charge-offs | 166.6667% | 2,597 |
| Earnings coverage of net charge-offs (x) | 46.8095% | 546 |
| Efficiency ratio | 64.6911% | 5,646 |
| Assets per employee ($millions) | 2.7625% | 6,729 |
| Cash dividends to net income (ytd only)* | 65.7115% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 6,680 |
| Loan loss allowance to noncurrent loans | 705.5556% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 7,344 |
| Noncurrent loans to loans | 0.1328% | 7,102 |
| Net loans and leases to total assets | 46.3025% | 6,945 |
| Net loans and leases to deposits | 55.4201% | 6,958 |
| Net loans and leases to core deposits | 69.0425% | 6,829 |
| Total domestic deposits to total assets | 83.5482% | 4,258 |
| Equity capital to assets | 15.6916% | 747 |
| Core capital (leverage) ratio | 15.0367% | 778 |
| Tier 1 risk-based capital ratio | 24.4718% | 904 |
| Total risk-based capital ratio | 25.1751% | 933 |
| Memoranda: | ||
| Average total assets | $60,621,400 | 6,322 |
| Average earning assets | $54,257,600 | 6,366 |
| Average equity | $8,988,800 | 5,610 |
| Average total loans | $28,941,800 | 6,690 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0108% | 1,991 |
| Cost of funding earning assets | 1.7703% | 4,526 |
| Net interest margin | 4.2406% | 1,906 |
| Noninterest income to average assets | 0.5875% | 3,798 |
| Noninterest expense to average assets | 2.7744% | 5,004 |
| Loan and lease loss provision to assets | 0.0218% | 7,135 |
| Net operating income to assets | 1.6397% | 621 |
| Return on assets (ROA) | 1.7604% | 519 |
| Pretax return on assets | 1.7756% | 843 |
| Return on Equity (ROE) | 12.0381% | 1,341 |
| Retained earnings to average equity (ytd only) | 7.3508% | 1,375 |
| Net charge-offs to loans | 0.0862% | 5,824 |
| Credit loss provision to net charge-offs | 52.6316% | 6,277 |
| Earnings coverage of net charge-offs (x) | 40.5306% | 741 |
| Efficiency ratio | 62.3472% | 6,049 |
| Assets per employee ($millions) | 2.9908% | 6,181 |
| Cash dividends to net income (ytd only)* | 38.9370% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6928% | 7,392 |
| Loan loss allowance to noncurrent loans | 385.0000% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 7,295 |
| Noncurrent loans to loans | 0.1799% | 7,044 |
| Net loans and leases to total assets | 55.3581% | 6,220 |
| Net loans and leases to deposits | 69.7527% | 5,946 |
| Net loans and leases to core deposits | 87.0181% | 5,753 |
| Total domestic deposits to total assets | 79.3634% | 5,674 |
| Equity capital to assets | 15.5861% | 870 |
| Core capital (leverage) ratio | 15.2005% | 821 |
| Tier 1 risk-based capital ratio | 21.8226% | 1,241 |
| Total risk-based capital ratio | 22.3836% | 1,332 |
| Memoranda: | ||
| Average total assets | $61,273,750 | 6,345 |
| Average earning assets | $55,809,000 | 6,344 |
| Average equity | $8,960,250 | 5,669 |
| Average total loans | $29,398,500 | 6,713 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0339% | 2,040 |
| Cost of funding earning assets | 1.8234% | 4,648 |
| Net interest margin | 4.2106% | 1,955 |
| Noninterest income to average assets | 0.5052% | 4,401 |
| Noninterest expense to average assets | 2.8044% | 4,942 |
| Loan and lease loss provision to assets | 0.0324% | 6,916 |
| Net operating income to assets | 1.4767% | 875 |
| Return on assets (ROA) | 1.4799% | 932 |
| Pretax return on assets | 1.4929% | 1,464 |
| Return on Equity (ROE) | 10.3402% | 1,905 |
| Retained earnings to average equity (ytd only) | 5.5887% | 2,207 |
| Net charge-offs to loans | 0.1068% | 5,092 |
| Credit loss provision to net charge-offs | 66.6667% | 5,479 |
| Earnings coverage of net charge-offs (x) | 31.3333% | 964 |
| Efficiency ratio | 64.8204% | 5,754 |
| Assets per employee ($millions) | 2.9526% | 6,260 |
| Cash dividends to net income (ytd only)* | 45.9519% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7622% | 7,267 |
| Loan loss allowance to noncurrent loans | 758.0645% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 7,469 |
| Noncurrent loans to loans | 0.1005% | 7,274 |
| Net loans and leases to total assets | 51.8128% | 6,704 |
| Net loans and leases to deposits | 61.4983% | 6,776 |
| Net loans and leases to core deposits | 75.2614% | 6,719 |
| Total domestic deposits to total assets | 84.2509% | 3,626 |
| Equity capital to assets | 15.0260% | 1,019 |
| Core capital (leverage) ratio | 14.4189% | 1,041 |
| Tier 1 risk-based capital ratio | 22.4322% | 1,194 |
| Total risk-based capital ratio | 23.0355% | 1,256 |
| Memoranda: | ||
| Average total assets | $61,759,670 | 6,385 |
| Average earning assets | $56,049,670 | 6,382 |
| Average equity | $8,839,330 | 5,739 |
| Average total loans | $28,083,330 | 6,840 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9235% | 2,680 |
| Cost of funding earning assets | 1.8335% | 4,952 |
| Net interest margin | 4.0900% | 2,317 |
| Noninterest income to average assets | 0.7986% | 2,333 |
| Noninterest expense to average assets | 2.7759% | 4,672 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6922% | 657 |
| Return on assets (ROA) | 1.6922% | 723 |
| Pretax return on assets | 1.6985% | 1,184 |
| Return on Equity (ROE) | 12.1054% | 1,629 |
| Retained earnings to average equity (ytd only) | 7.3449% | 2,079 |
| Net charge-offs to loans | 0.1797% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,314 |
| Efficiency ratio | 62.0397% | 6,041 |
| Assets per employee ($millions) | 3.0720% | 5,969 |
| Cash dividends to net income (ytd only)* | 39.3258% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8319% | 7,036 |
| Loan loss allowance to noncurrent loans | 950.0000% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 7,496 |
| Noncurrent loans to loans | 0.0876% | 7,273 |
| Net loans and leases to total assets | 44.2374% | 7,317 |
| Net loans and leases to deposits | 52.1770% | 7,394 |
| Net loans and leases to core deposits | 63.4608% | 7,333 |
| Total domestic deposits to total assets | 84.7833% | 3,310 |
| Equity capital to assets | 14.5380% | 1,223 |
| Core capital (leverage) ratio | 14.2457% | 1,142 |
| Tier 1 risk-based capital ratio | 23.5217% | 1,136 |
| Total risk-based capital ratio | 24.1416% | 1,176 |
| Memoranda: | ||
| Average total assets | $63,114,000 | 6,354 |
| Average earning assets | $56,723,500 | 6,388 |
| Average equity | $8,822,500 | 5,766 |
| Average total loans | $26,709,500 | 6,957 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4046% | 3,394 |
| Cost of funding earning assets | 2.1879% | 5,654 |
| Net interest margin | 4.2167% | 2,244 |
| Noninterest income to average assets | 0.9055% | 1,938 |
| Noninterest expense to average assets | 2.7713% | 4,944 |
| Loan and lease loss provision to assets | 0.0166% | 7,176 |
| Net operating income to assets | 2.0386% | 321 |
| Return on assets (ROA) | 2.0336% | 306 |
| Pretax return on assets | 2.0286% | 559 |
| Return on Equity (ROE) | 14.2385% | 1,062 |
| Retained earnings to average equity (ytd only) | 3.7690% | 2,787 |
| Net charge-offs to loans | 0.0157% | 6,662 |
| Credit loss provision to net charge-offs | 250.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 308.5000% | 154 |
| Efficiency ratio | 57.4776% | 6,782 |
| Assets per employee ($millions) | 3.2395% | 5,363 |
| Cash dividends to net income (ytd only)* | 73.5294% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 6,546 |
| Loan loss allowance to noncurrent loans | 363.6364% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1019% | 7,173 |
| Noncurrent loans to loans | 0.2537% | 6,622 |
| Net loans and leases to total assets | 39.7784% | 7,681 |
| Net loans and leases to deposits | 46.5215% | 7,767 |
| Net loans and leases to core deposits | 56.6144% | 7,718 |
| Total domestic deposits to total assets | 85.5053% | 2,628 |
| Equity capital to assets | 13.4483% | 1,612 |
| Core capital (leverage) ratio | 13.9818% | 1,260 |
| Tier 1 risk-based capital ratio | 23.2248% | 1,165 |
| Total risk-based capital ratio | 23.8813% | 1,209 |
| Memoranda: | ||
| Average total assets | $60,188,800 | 6,376 |
| Average earning assets | $55,897,400 | 6,341 |
| Average equity | $8,596,400 | 5,875 |
| Average total loans | $25,554,000 | 6,991 |