Home > Pony Express Community Bank > Performance and Condition Ratios
Pony Express Community Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 3,630 |
| Cost of funding earning assets | 0.4695% | 4,264 |
| Net interest margin | 3.8397% | 2,468 |
| Noninterest income to average assets | 0.8981% | 1,147 |
| Noninterest expense to average assets | 2.8833% | 2,308 |
| Loan and lease loss provision to assets | 0.0378% | 3,142 |
| Net operating income to assets | 1.5568% | 1,043 |
| Return on assets (ROA) | 1.5568% | 1,093 |
| Pretax return on assets | 1.6270% | 1,536 |
| Return on Equity (ROE) | 14.5188% | 881 |
| Retained earnings to average equity (ytd only) | 1.6617% | 4,378 |
| Net charge-offs to loans | -0.1929% | 5,106 |
| Credit loss provision to net charge-offs | -33.8710% | 3,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2873% | 3,279 |
| Assets per employee ($millions) | 4.1229% | 3,725 |
| Cash dividends to net income (ytd only)* | 88.5554% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 1,828 |
| Loan loss allowance to noncurrent loans | 1,727.0270% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 4,464 |
| Noncurrent loans to loans | 0.0772% | 4,296 |
| Net loans and leases to total assets | 63.7058% | 3,313 |
| Net loans and leases to deposits | 71.8009% | 3,625 |
| Net loans and leases to core deposits | 72.6784% | 3,907 |
| Total domestic deposits to total assets | 88.7257% | 728 |
| Equity capital to assets | 10.8903% | 3,208 |
| Core capital (leverage) ratio | 10.9014% | 2,737 |
| Tier 1 risk-based capital ratio | 15.6715% | 2,572 |
| Total risk-based capital ratio | 16.9218% | 2,508 |
| Memoranda: | ||
| Average total assets | $74,080,250 | 4,424 |
| Average earning assets | $70,420,750 | 4,393 |
| Average equity | $7,943,500 | 4,566 |
| Average total loans | $42,840,250 | 4,396 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 4,081 |
| Cost of funding earning assets | 0.4698% | 4,244 |
| Net interest margin | 3.6650% | 3,049 |
| Noninterest income to average assets | 0.8942% | 1,084 |
| Noninterest expense to average assets | 2.9202% | 2,229 |
| Loan and lease loss provision to assets | 0.0378% | 3,056 |
| Net operating income to assets | 1.5722% | 968 |
| Return on assets (ROA) | 1.5722% | 1,004 |
| Pretax return on assets | 1.4344% | 2,089 |
| Return on Equity (ROE) | 14.7392% | 811 |
| Retained earnings to average equity (ytd only) | 6.1793% | 2,202 |
| Net charge-offs to loans | -0.0583% | 4,864 |
| Credit loss provision to net charge-offs | -116.6667% | 3,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8831% | 2,995 |
| Assets per employee ($millions) | 4.1101% | 3,711 |
| Cash dividends to net income (ytd only)* | 58.0756% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 2,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 60.1579% | 3,720 |
| Net loans and leases to deposits | 70.4343% | 3,801 |
| Net loans and leases to core deposits | 71.3260% | 4,045 |
| Total domestic deposits to total assets | 85.4100% | 2,301 |
| Equity capital to assets | 11.0865% | 2,958 |
| Core capital (leverage) ratio | 10.9263% | 2,665 |
| Tier 1 risk-based capital ratio | 16.7319% | 2,169 |
| Total risk-based capital ratio | 17.9299% | 2,133 |
| Memoranda: | ||
| Average total assets | $74,036,000 | 4,460 |
| Average earning assets | $70,668,330 | 4,429 |
| Average equity | $7,897,330 | 4,594 |
| Average total loans | $41,148,000 | 4,467 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 4,532 |
| Cost of funding earning assets | 0.4487% | 4,293 |
| Net interest margin | 3.4646% | 3,702 |
| Noninterest income to average assets | 0.8749% | 1,098 |
| Noninterest expense to average assets | 2.8894% | 2,304 |
| Loan and lease loss provision to assets | 0.0378% | 2,867 |
| Net operating income to assets | 0.9235% | 3,149 |
| Return on assets (ROA) | 0.9235% | 3,183 |
| Pretax return on assets | 1.2422% | 2,658 |
| Return on Equity (ROE) | 8.8315% | 2,881 |
| Retained earnings to average equity (ytd only) | 0.4648% | 4,441 |
| Net charge-offs to loans | -0.0715% | 4,939 |
| Credit loss provision to net charge-offs | -100.0000% | 3,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9689% | 2,801 |
| Assets per employee ($millions) | 4.0586% | 3,833 |
| Cash dividends to net income (ytd only)* | 94.7368% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 1,531 |
| Loan loss allowance to noncurrent loans | 1,676.4706% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 4,596 |
| Noncurrent loans to loans | 0.0860% | 4,367 |
| Net loans and leases to total assets | 53.3071% | 4,252 |
| Net loans and leases to deposits | 59.9686% | 4,415 |
| Net loans and leases to core deposits | 60.4714% | 4,551 |
| Total domestic deposits to total assets | 88.8918% | 915 |
| Equity capital to assets | 10.6948% | 3,169 |
| Core capital (leverage) ratio | 10.7981% | 2,768 |
| Tier 1 risk-based capital ratio | 19.0648% | 1,531 |
| Total risk-based capital ratio | 20.3124% | 1,505 |
| Memoranda: | ||
| Average total assets | $74,063,000 | 4,509 |
| Average earning assets | $70,426,500 | 4,481 |
| Average equity | $7,745,000 | 4,647 |
| Average total loans | $39,178,000 | 4,565 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 4,607 |
| Cost of funding earning assets | 0.3540% | 4,259 |
| Net interest margin | 3.3862% | 4,032 |
| Noninterest income to average assets | 0.9535% | 1,056 |
| Noninterest expense to average assets | 2.9884% | 2,075 |
| Loan and lease loss provision to assets | 0.0313% | 3,556 |
| Net operating income to assets | 0.8336% | 3,683 |
| Return on assets (ROA) | 0.8336% | 3,678 |
| Pretax return on assets | 1.1128% | 3,222 |
| Return on Equity (ROE) | 8.0724% | 3,400 |
| Retained earnings to average equity (ytd only) | 2.3479% | 4,210 |
| Net charge-offs to loans | 0.3450% | 551 |
| Credit loss provision to net charge-offs | 18.1102% | 3,407 |
| Earnings coverage of net charge-offs (x) | 6.6142% | 3,070 |
| Efficiency ratio | 69.9736% | 2,189 |
| Assets per employee ($millions) | 3.9512% | 3,961 |
| Cash dividends to net income (ytd only)* | 70.9150% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 1,517 |
| Loan loss allowance to noncurrent loans | 1,544.4444% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 4,610 |
| Noncurrent loans to loans | 0.0927% | 4,334 |
| Net loans and leases to total assets | 51.0004% | 4,454 |
| Net loans and leases to deposits | 56.9968% | 4,618 |
| Net loans and leases to core deposits | 57.4535% | 4,718 |
| Total domestic deposits to total assets | 89.4794% | 668 |
| Equity capital to assets | 10.2262% | 3,445 |
| Core capital (leverage) ratio | 10.5952% | 2,936 |
| Tier 1 risk-based capital ratio | 18.9042% | 1,535 |
| Total risk-based capital ratio | 20.1554% | 1,497 |
| Memoranda: | ||
| Average total assets | $73,417,400 | 4,532 |
| Average earning assets | $68,927,800 | 4,513 |
| Average equity | $7,581,400 | 4,668 |
| Average total loans | $36,806,400 | 4,640 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7004% | 4,651 |
| Cost of funding earning assets | 0.3382% | 4,258 |
| Net interest margin | 3.3622% | 4,128 |
| Noninterest income to average assets | 0.9442% | 1,071 |
| Noninterest expense to average assets | 3.0043% | 2,005 |
| Loan and lease loss provision to assets | 0.0347% | 3,315 |
| Net operating income to assets | 0.7853% | 3,955 |
| Return on assets (ROA) | 0.7853% | 3,968 |
| Pretax return on assets | 1.0465% | 3,584 |
| Return on Equity (ROE) | 7.5861% | 3,717 |
| Retained earnings to average equity (ytd only) | 2.3817% | 4,445 |
| Net charge-offs to loans | 0.4445% | 356 |
| Credit loss provision to net charge-offs | 15.7025% | 3,036 |
| Earnings coverage of net charge-offs (x) | 4.8925% | 3,012 |
| Efficiency ratio | 71.3903% | 1,979 |
| Assets per employee ($millions) | 3.8428% | 4,116 |
| Cash dividends to net income (ytd only)* | 68.6039% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 1,477 |
| Loan loss allowance to noncurrent loans | 1,297.6744% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 4,680 |
| Noncurrent loans to loans | 0.1128% | 4,386 |
| Net loans and leases to total assets | 51.4258% | 4,505 |
| Net loans and leases to deposits | 57.4920% | 4,671 |
| Net loans and leases to core deposits | 57.9659% | 4,788 |
| Total domestic deposits to total assets | 89.4486% | 689 |
| Equity capital to assets | 10.2898% | 3,344 |
| Core capital (leverage) ratio | 10.6988% | 2,881 |
| Tier 1 risk-based capital ratio | 19.4988% | 1,438 |
| Total risk-based capital ratio | 20.7492% | 1,404 |
| Memoranda: | ||
| Average total assets | $73,003,750 | 4,590 |
| Average earning assets | $68,207,250 | 4,567 |
| Average equity | $7,557,500 | 4,720 |
| Average total loans | $36,297,250 | 4,698 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5699% | 4,814 |
| Cost of funding earning assets | 0.3131% | 4,323 |
| Net interest margin | 3.2568% | 4,367 |
| Noninterest income to average assets | 0.9151% | 1,141 |
| Noninterest expense to average assets | 3.0630% | 1,879 |
| Loan and lease loss provision to assets | 0.0411% | 3,086 |
| Net operating income to assets | 0.6493% | 4,346 |
| Return on assets (ROA) | 0.6493% | 4,356 |
| Pretax return on assets | 0.8603% | 4,081 |
| Return on Equity (ROE) | 6.1508% | 4,175 |
| Retained earnings to average equity (ytd only) | 2.4915% | 4,264 |
| Net charge-offs to loans | 0.4426% | 346 |
| Credit loss provision to net charge-offs | 18.9873% | 2,691 |
| Earnings coverage of net charge-offs (x) | 4.1646% | 2,812 |
| Efficiency ratio | 75.0518% | 1,554 |
| Assets per employee ($millions) | 3.6189% | 4,440 |
| Cash dividends to net income (ytd only)* | 59.4937% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 1,240 |
| Loan loss allowance to noncurrent loans | 647.8261% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 4,040 |
| Noncurrent loans to loans | 0.2392% | 3,848 |
| Net loans and leases to total assets | 52.3122% | 4,457 |
| Net loans and leases to deposits | 58.6326% | 4,605 |
| Net loans and leases to core deposits | 59.1178% | 4,744 |
| Total domestic deposits to total assets | 89.2203% | 847 |
| Equity capital to assets | 10.5627% | 3,060 |
| Core capital (leverage) ratio | 10.7998% | 2,702 |
| Tier 1 risk-based capital ratio | 20.2567% | 1,280 |
| Total risk-based capital ratio | 21.5096% | 1,252 |
| Memoranda: | ||
| Average total assets | $73,000,330 | 4,638 |
| Average earning assets | $68,348,330 | 4,617 |
| Average equity | $7,706,330 | 4,745 |
| Average total loans | $35,694,330 | 4,760 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5257% | 4,832 |
| Cost of funding earning assets | 0.2865% | 4,445 |
| Net interest margin | 3.2392% | 4,343 |
| Noninterest income to average assets | 0.9057% | 1,138 |
| Noninterest expense to average assets | 2.8590% | 2,500 |
| Loan and lease loss provision to assets | 0.0546% | 2,675 |
| Net operating income to assets | 0.7639% | 3,856 |
| Return on assets (ROA) | 0.7639% | 3,856 |
| Pretax return on assets | 1.0148% | 3,479 |
| Return on Equity (ROE) | 7.2379% | 3,682 |
| Retained earnings to average equity (ytd only) | 4.2911% | 3,468 |
| Net charge-offs to loans | 0.7927% | 180 |
| Credit loss provision to net charge-offs | 14.7059% | 2,157 |
| Earnings coverage of net charge-offs (x) | 2.8824% | 2,428 |
| Efficiency ratio | 70.5556% | 2,409 |
| Assets per employee ($millions) | 3.3779% | 4,815 |
| Cash dividends to net income (ytd only)* | 40.7143% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 918 |
| Loan loss allowance to noncurrent loans | 125.4167% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.9995% | 1,567 |
| Noncurrent loans to loans | 1.3684% | 1,311 |
| Net loans and leases to total assets | 48.6001% | 4,656 |
| Net loans and leases to deposits | 54.6494% | 4,764 |
| Net loans and leases to core deposits | 55.1124% | 4,870 |
| Total domestic deposits to total assets | 88.9309% | 1,128 |
| Equity capital to assets | 10.8971% | 2,684 |
| Core capital (leverage) ratio | 10.7157% | 2,723 |
| Tier 1 risk-based capital ratio | 21.7017% | 1,101 |
| Total risk-based capital ratio | 22.9552% | 1,068 |
| Memoranda: | ||
| Average total assets | $73,312,000 | 4,685 |
| Average earning assets | $68,412,000 | 4,670 |
| Average equity | $7,737,000 | 4,790 |
| Average total loans | $34,312,500 | 4,852 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2234% | 5,164 |
| Cost of funding earning assets | 0.1999% | 4,951 |
| Net interest margin | 3.0235% | 4,832 |
| Noninterest income to average assets | 0.9405% | 1,165 |
| Noninterest expense to average assets | 2.8778% | 2,529 |
| Loan and lease loss provision to assets | 0.2819% | 628 |
| Net operating income to assets | 0.7397% | 3,427 |
| Return on assets (ROA) | 0.7411% | 3,465 |
| Pretax return on assets | 0.6105% | 4,721 |
| Return on Equity (ROE) | 6.9350% | 3,313 |
| Retained earnings to average equity (ytd only) | 1.2480% | 4,526 |
| Net charge-offs to loans | 0.5480% | 425 |
| Credit loss provision to net charge-offs | 109.6257% | 2,382 |
| Earnings coverage of net charge-offs (x) | 3.4652% | 3,605 |
| Efficiency ratio | 73.4404% | 1,992 |
| Assets per employee ($millions) | 3.6042% | 4,565 |
| Cash dividends to net income (ytd only)* | 82.0037% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9673% | 571 |
| Loan loss allowance to noncurrent loans | 136.9295% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.9407% | 1,651 |
| Noncurrent loans to loans | 1.4367% | 1,194 |
| Net loans and leases to total assets | 43.4521% | 5,002 |
| Net loans and leases to deposits | 48.5446% | 5,108 |
| Net loans and leases to core deposits | 48.9077% | 5,169 |
| Total domestic deposits to total assets | 89.5096% | 768 |
| Equity capital to assets | 10.2315% | 3,457 |
| Core capital (leverage) ratio | 10.6859% | 2,663 |
| Tier 1 risk-based capital ratio | 20.8290% | 1,169 |
| Total risk-based capital ratio | 22.0853% | 1,146 |
| Memoranda: | ||
| Average total assets | $72,728,800 | 4,731 |
| Average earning assets | $68,034,000 | 4,703 |
| Average equity | $7,772,200 | 4,817 |
| Average total loans | $34,126,400 | 4,897 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2019% | 5,229 |
| Cost of funding earning assets | 0.1956% | 5,013 |
| Net interest margin | 3.0063% | 4,902 |
| Noninterest income to average assets | 0.9372% | 1,172 |
| Noninterest expense to average assets | 2.7578% | 2,870 |
| Loan and lease loss provision to assets | 0.3519% | 424 |
| Net operating income to assets | 0.4303% | 4,926 |
| Return on assets (ROA) | 0.4315% | 4,959 |
| Pretax return on assets | 0.6482% | 4,732 |
| Return on Equity (ROE) | 3.9934% | 4,855 |
| Retained earnings to average equity (ytd only) | 0.9941% | 4,976 |
| Net charge-offs to loans | 1.0543% | 164 |
| Credit loss provision to net charge-offs | 70.1107% | 2,699 |
| Earnings coverage of net charge-offs (x) | 1.9890% | 3,518 |
| Efficiency ratio | 70.2663% | 2,497 |
| Assets per employee ($millions) | 3.7460% | 4,383 |
| Cash dividends to net income (ytd only)* | 75.1078% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 1,094 |
| Loan loss allowance to noncurrent loans | 35.2166% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 2.6316% | 388 |
| Noncurrent loans to loans | 4.7387% | 180 |
| Net loans and leases to total assets | 46.4439% | 4,911 |
| Net loans and leases to deposits | 52.3900% | 5,037 |
| Net loans and leases to core deposits | 52.8110% | 5,112 |
| Total domestic deposits to total assets | 88.6503% | 1,039 |
| Equity capital to assets | 10.9956% | 2,870 |
| Core capital (leverage) ratio | 10.6908% | 2,778 |
| Tier 1 risk-based capital ratio | 19.8743% | 1,384 |
| Total risk-based capital ratio | 21.1264% | 1,351 |
| Memoranda: | ||
| Average total assets | $71,989,000 | 4,790 |
| Average earning assets | $67,500,750 | 4,762 |
| Average equity | $7,779,250 | 4,869 |
| Average total loans | $34,271,000 | 4,942 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1411% | 5,309 |
| Cost of funding earning assets | 0.1889% | 5,076 |
| Net interest margin | 2.9522% | 5,002 |
| Noninterest income to average assets | 0.9217% | 1,210 |
| Noninterest expense to average assets | 2.7733% | 2,850 |
| Loan and lease loss provision to assets | 0.4844% | 246 |
| Net operating income to assets | 0.3080% | 5,202 |
| Return on assets (ROA) | 0.3100% | 5,217 |
| Pretax return on assets | 0.4345% | 5,106 |
| Return on Equity (ROE) | 2.8852% | 5,156 |
| Retained earnings to average equity (ytd only) | -0.5925% | 5,170 |
| Net charge-offs to loans | 2.1108% | 74 |
| Credit loss provision to net charge-offs | 48.0769% | 2,583 |
| Earnings coverage of net charge-offs (x) | 0.9093% | 3,337 |
| Efficiency ratio | 71.3428% | 2,462 |
| Assets per employee ($millions) | 3.7014% | 4,433 |
| Cash dividends to net income (ytd only)* | 120.5357% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 2,472 |
| Loan loss allowance to noncurrent loans | 32.9934% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 2.3576% | 487 |
| Noncurrent loans to loans | 3.9069% | 256 |
| Net loans and leases to total assets | 49.3274% | 4,743 |
| Net loans and leases to deposits | 55.7197% | 4,860 |
| Net loans and leases to core deposits | 56.1863% | 4,984 |
| Total domestic deposits to total assets | 88.5277% | 1,186 |
| Equity capital to assets | 11.0429% | 2,759 |
| Core capital (leverage) ratio | 10.5233% | 2,886 |
| Tier 1 risk-based capital ratio | 19.2234% | 1,543 |
| Total risk-based capital ratio | 20.3708% | 1,517 |
| Memoranda: | ||
| Average total assets | $72,260,670 | 4,818 |
| Average earning assets | $67,746,670 | 4,792 |
| Average equity | $7,763,670 | 4,894 |
| Average total loans | $34,489,000 | 4,968 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0941% | 5,372 |
| Cost of funding earning assets | 0.1758% | 5,186 |
| Net interest margin | 2.9183% | 5,053 |
| Noninterest income to average assets | 0.9013% | 1,237 |
| Noninterest expense to average assets | 2.6438% | 3,329 |
| Loan and lease loss provision to assets | 0.0819% | 2,180 |
| Net operating income to assets | 0.5736% | 4,265 |
| Return on assets (ROA) | 0.5736% | 4,310 |
| Pretax return on assets | 0.8958% | 3,789 |
| Return on Equity (ROE) | 5.4106% | 4,189 |
| Retained earnings to average equity (ytd only) | 2.7826% | 4,016 |
| Net charge-offs to loans | 0.1991% | 865 |
| Credit loss provision to net charge-offs | 88.2353% | 1,703 |
| Earnings coverage of net charge-offs (x) | 10.5294% | 1,934 |
| Efficiency ratio | 69.0799% | 3,030 |
| Assets per employee ($millions) | 3.7736% | 4,381 |
| Cash dividends to net income (ytd only)* | 48.5714% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8405% | 886 |
| Loan loss allowance to noncurrent loans | 48.9297% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 2.2218% | 560 |
| Noncurrent loans to loans | 3.7614% | 297 |
| Net loans and leases to total assets | 47.6080% | 4,853 |
| Net loans and leases to deposits | 53.6622% | 4,955 |
| Net loans and leases to core deposits | 54.1011% | 5,059 |
| Total domestic deposits to total assets | 88.7180% | 1,310 |
| Equity capital to assets | 10.8887% | 2,756 |
| Core capital (leverage) ratio | 10.4649% | 2,943 |
| Tier 1 risk-based capital ratio | 19.4372% | 1,507 |
| Total risk-based capital ratio | 20.6904% | 1,475 |
| Memoranda: | ||
| Average total assets | $73,228,000 | 4,849 |
| Average earning assets | $68,258,500 | 4,824 |
| Average equity | $7,762,500 | 4,937 |
| Average total loans | $34,162,000 | 5,025 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1431% | 5,363 |
| Cost of funding earning assets | 0.1673% | 5,302 |
| Net interest margin | 2.9758% | 5,006 |
| Noninterest income to average assets | 0.8573% | 1,549 |
| Noninterest expense to average assets | 3.0365% | 2,235 |
| Loan and lease loss provision to assets | 0.6114% | 213 |
| Net operating income to assets | 0.0679% | 5,596 |
| Return on assets (ROA) | 0.0679% | 5,623 |
| Pretax return on assets | -0.0109% | 5,661 |
| Return on Equity (ROE) | 0.6086% | 5,616 |
| Retained earnings to average equity (ytd only) | -9.1172% | 5,774 |
| Net charge-offs to loans | 1.1453% | 157 |
| Credit loss provision to net charge-offs | 112.7820% | 2,332 |
| Earnings coverage of net charge-offs (x) | 1.1078% | 4,041 |
| Efficiency ratio | 79.6787% | 1,457 |
| Assets per employee ($millions) | 3.7379% | 4,415 |
| Cash dividends to net income (ytd only)* | 1,598.0000% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9136% | 784 |
| Loan loss allowance to noncurrent loans | 52.2801% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 2.0506% | 658 |
| Noncurrent loans to loans | 3.6602% | 317 |
| Net loans and leases to total assets | 44.0194% | 5,119 |
| Net loans and leases to deposits | 49.2974% | 5,238 |
| Net loans and leases to core deposits | 49.7265% | 5,310 |
| Total domestic deposits to total assets | 89.2935% | 959 |
| Equity capital to assets | 10.3240% | 3,360 |
| Core capital (leverage) ratio | 10.3036% | 3,102 |
| Tier 1 risk-based capital ratio | 19.2694% | 1,529 |
| Total risk-based capital ratio | 20.5227% | 1,491 |
| Memoranda: | ||
| Average total assets | $73,603,800 | 4,855 |
| Average earning assets | $68,754,400 | 4,833 |
| Average equity | $8,215,200 | 4,896 |
| Average total loans | $34,838,000 | 5,043 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1786% | 5,393 |
| Cost of funding earning assets | 0.1671% | 5,370 |
| Net interest margin | 3.0115% | 4,994 |
| Noninterest income to average assets | 0.9184% | 1,350 |
| Noninterest expense to average assets | 2.9952% | 2,333 |
| Loan and lease loss provision to assets | 0.0727% | 2,757 |
| Net operating income to assets | 0.4583% | 4,844 |
| Return on assets (ROA) | 0.4583% | 4,922 |
| Pretax return on assets | 0.6692% | 4,688 |
| Return on Equity (ROE) | 4.0289% | 4,885 |
| Retained earnings to average equity (ytd only) | -8.3776% | 5,822 |
| Net charge-offs to loans | 0.1820% | 1,286 |
| Credit loss provision to net charge-offs | 83.3333% | 2,623 |
| Earnings coverage of net charge-offs (x) | 8.4998% | 2,758 |
| Efficiency ratio | 76.4477% | 1,913 |
| Assets per employee ($millions) | 3.1690% | 5,219 |
| Cash dividends to net income (ytd only)* | 307.9377% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6225% | 1,401 |
| Loan loss allowance to noncurrent loans | 47.9835% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 2.0580% | 749 |
| Noncurrent loans to loans | 3.3813% | 397 |
| Net loans and leases to total assets | 48.5004% | 4,923 |
| Net loans and leases to deposits | 54.8232% | 5,061 |
| Net loans and leases to core deposits | 55.4814% | 5,175 |
| Total domestic deposits to total assets | 88.4669% | 1,163 |
| Equity capital to assets | 11.1681% | 2,828 |
| Core capital (leverage) ratio | 10.6812% | 2,802 |
| Tier 1 risk-based capital ratio | 19.0014% | 1,672 |
| Total risk-based capital ratio | 20.2515% | 1,631 |
| Memoranda: | ||
| Average total assets | $73,315,250 | 4,901 |
| Average earning assets | $68,624,500 | 4,874 |
| Average equity | $8,339,500 | 4,929 |
| Average total loans | $35,160,000 | 5,088 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1778% | 5,465 |
| Cost of funding earning assets | 0.1686% | 5,424 |
| Net interest margin | 3.0091% | 5,062 |
| Noninterest income to average assets | 0.9121% | 1,340 |
| Noninterest expense to average assets | 3.1310% | 1,974 |
| Loan and lease loss provision to assets | 0.0681% | 2,778 |
| Net operating income to assets | 0.3812% | 5,089 |
| Return on assets (ROA) | 0.3812% | 5,173 |
| Pretax return on assets | 0.5309% | 5,071 |
| Return on Equity (ROE) | 3.3310% | 5,149 |
| Retained earnings to average equity (ytd only) | -13.1097% | 5,915 |
| Net charge-offs to loans | -0.0458% | 5,327 |
| Credit loss provision to net charge-offs | -312.5000% | 4,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2190% | 1,471 |
| Assets per employee ($millions) | 3.4532% | 4,833 |
| Cash dividends to net income (ytd only)* | 493.5714% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7742% | 1,127 |
| Loan loss allowance to noncurrent loans | 206.6225% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 2,744 |
| Noncurrent loans to loans | 0.8587% | 2,591 |
| Net loans and leases to total assets | 47.6378% | 5,017 |
| Net loans and leases to deposits | 55.0472% | 5,076 |
| Net loans and leases to core deposits | 55.7265% | 5,191 |
| Total domestic deposits to total assets | 86.5399% | 2,146 |
| Equity capital to assets | 11.1903% | 2,855 |
| Core capital (leverage) ratio | 10.6054% | 2,846 |
| Tier 1 risk-based capital ratio | 19.3723% | 1,600 |
| Total risk-based capital ratio | 20.6237% | 1,562 |
| Memoranda: | ||
| Average total assets | $73,458,330 | 4,945 |
| Average earning assets | $68,790,330 | 4,912 |
| Average equity | $8,406,000 | 4,939 |
| Average total loans | $34,902,330 | 5,141 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1143% | 5,591 |
| Cost of funding earning assets | 0.1740% | 5,433 |
| Net interest margin | 2.9403% | 5,241 |
| Noninterest income to average assets | 0.9523% | 1,179 |
| Noninterest expense to average assets | 2.9326% | 2,598 |
| Loan and lease loss provision to assets | 0.0541% | 2,858 |
| Net operating income to assets | 0.4870% | 4,684 |
| Return on assets (ROA) | 0.4870% | 4,782 |
| Pretax return on assets | 0.7088% | 4,495 |
| Return on Equity (ROE) | 4.2098% | 4,814 |
| Retained earnings to average equity (ytd only) | -0.5145% | 5,202 |
| Net charge-offs to loans | -0.0115% | 4,587 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6955% | 2,219 |
| Assets per employee ($millions) | 3.6793% | 4,502 |
| Cash dividends to net income (ytd only)* | 112.2222% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7437% | 1,259 |
| Loan loss allowance to noncurrent loans | 54.8769% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.8142% | 1,015 |
| Noncurrent loans to loans | 3.1774% | 483 |
| Net loans and leases to total assets | 46.0998% | 5,107 |
| Net loans and leases to deposits | 52.6967% | 5,183 |
| Net loans and leases to core deposits | 53.1209% | 5,306 |
| Total domestic deposits to total assets | 87.4813% | 1,939 |
| Equity capital to assets | 11.6911% | 2,253 |
| Core capital (leverage) ratio | 11.2519% | 2,186 |
| Tier 1 risk-based capital ratio | 19.5887% | 1,592 |
| Total risk-based capital ratio | 20.8401% | 1,562 |
| Memoranda: | ||
| Average total assets | $73,928,500 | 4,974 |
| Average earning assets | $68,971,500 | 4,954 |
| Average equity | $8,551,500 | 4,945 |
| Average total loans | $34,768,500 | 5,186 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4443% | 5,059 |
| Cost of funding earning assets | 0.1658% | 5,570 |
| Net interest margin | 3.2785% | 4,375 |
| Noninterest income to average assets | 1.3750% | 636 |
| Noninterest expense to average assets | 3.4521% | 1,380 |
| Loan and lease loss provision to assets | 0.0348% | 3,651 |
| Net operating income to assets | 0.6307% | 4,137 |
| Return on assets (ROA) | 0.6231% | 4,260 |
| Pretax return on assets | 0.9515% | 3,648 |
| Return on Equity (ROE) | 6.1862% | 3,956 |
| Retained earnings to average equity (ytd only) | -5.0918% | 5,919 |
| Net charge-offs to loans | 0.0543% | 3,122 |
| Credit loss provision to net charge-offs | 136.3636% | 1,919 |
| Earnings coverage of net charge-offs (x) | 39.0909% | 1,202 |
| Efficiency ratio | 74.4198% | 2,512 |
| Assets per employee ($millions) | 3.3760% | 5,029 |
| Cash dividends to net income (ytd only)* | 182.3091% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6880% | 1,378 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 2.0062% | 876 |
| Noncurrent loans to loans | 3.3760% | 427 |
| Net loans and leases to total assets | 46.3451% | 5,132 |
| Net loans and leases to deposits | 52.7541% | 5,239 |
| Net loans and leases to core deposits | 53.4098% | 5,352 |
| Total domestic deposits to total assets | 87.8512% | 1,720 |
| Equity capital to assets | 11.4446% | 2,402 |
| Core capital (leverage) ratio | 10.4378% | 3,003 |
| Tier 1 risk-based capital ratio | 19.1301% | 1,677 |
| Total risk-based capital ratio | 20.3797% | 1,630 |
| Memoranda: | ||
| Average total assets | $86,180,000 | 4,741 |
| Average earning assets | $80,828,600 | 4,694 |
| Average equity | $8,680,600 | 4,915 |
| Average total loans | $40,504,800 | 4,988 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3749% | 5,262 |
| Cost of funding earning assets | 0.1623% | 5,686 |
| Net interest margin | 3.2126% | 4,636 |
| Noninterest income to average assets | 0.9930% | 1,203 |
| Noninterest expense to average assets | 3.0731% | 2,288 |
| Loan and lease loss provision to assets | 0.0419% | 3,375 |
| Net operating income to assets | 0.5879% | 4,442 |
| Return on assets (ROA) | 0.6131% | 4,426 |
| Pretax return on assets | 0.9361% | 3,860 |
| Return on Equity (ROE) | 6.2648% | 4,022 |
| Retained earnings to average equity (ytd only) | -7.2733% | 6,081 |
| Net charge-offs to loans | -0.2006% | 5,997 |
| Credit loss provision to net charge-offs | -44.4444% | 4,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0526% | 2,707 |
| Assets per employee ($millions) | 3.0684% | 5,466 |
| Cash dividends to net income (ytd only)* | 216.0981% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6691% | 1,557 |
| Loan loss allowance to noncurrent loans | 347.4227% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4970% | 3,836 |
| Noncurrent loans to loans | 0.4804% | 3,921 |
| Net loans and leases to total assets | 46.2149% | 5,214 |
| Net loans and leases to deposits | 52.5378% | 5,340 |
| Net loans and leases to core deposits | 53.3095% | 5,443 |
| Total domestic deposits to total assets | 87.9650% | 1,582 |
| Equity capital to assets | 9.9458% | 4,230 |
| Core capital (leverage) ratio | 9.5892% | 4,184 |
| Tier 1 risk-based capital ratio | 16.5977% | 2,525 |
| Total risk-based capital ratio | 17.8478% | 2,486 |
| Memoranda: | ||
| Average total assets | $89,157,250 | 4,745 |
| Average earning assets | $83,793,750 | 4,696 |
| Average equity | $8,725,750 | 4,968 |
| Average total loans | $41,878,000 | 4,995 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3615% | 5,308 |
| Cost of funding earning assets | 0.1606% | 5,772 |
| Net interest margin | 3.2008% | 4,658 |
| Noninterest income to average assets | 0.9464% | 1,312 |
| Noninterest expense to average assets | 3.0608% | 2,359 |
| Loan and lease loss provision to assets | 0.0532% | 3,057 |
| Net operating income to assets | 0.5515% | 4,552 |
| Return on assets (ROA) | 0.5896% | 4,490 |
| Pretax return on assets | 0.8932% | 3,982 |
| Return on Equity (ROE) | 6.0551% | 4,103 |
| Retained earnings to average equity (ytd only) | -12.0419% | 6,207 |
| Net charge-offs to loans | -0.3162% | 6,132 |
| Credit loss provision to net charge-offs | -35.8209% | 4,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4007% | 2,764 |
| Assets per employee ($millions) | 3.0552% | 5,523 |
| Cash dividends to net income (ytd only)* | 298.8722% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 1,851 |
| Loan loss allowance to noncurrent loans | 1,685.0000% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 4,467 |
| Noncurrent loans to loans | 0.0961% | 5,357 |
| Net loans and leases to total assets | 46.2297% | 5,227 |
| Net loans and leases to deposits | 52.5586% | 5,345 |
| Net loans and leases to core deposits | 53.3417% | 5,463 |
| Total domestic deposits to total assets | 87.9584% | 1,669 |
| Equity capital to assets | 9.4536% | 4,708 |
| Core capital (leverage) ratio | 9.1715% | 4,729 |
| Tier 1 risk-based capital ratio | 15.9485% | 2,884 |
| Total risk-based capital ratio | 17.1976% | 2,840 |
| Memoranda: | ||
| Average total assets | $90,237,670 | 4,762 |
| Average earning assets | $84,665,330 | 4,720 |
| Average equity | $8,786,000 | 4,993 |
| Average total loans | $42,377,330 | 5,017 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4951% | 4,986 |
| Cost of funding earning assets | 0.1593% | 5,848 |
| Net interest margin | 3.3358% | 4,078 |
| Noninterest income to average assets | 0.9269% | 1,312 |
| Noninterest expense to average assets | 2.8027% | 3,245 |
| Loan and lease loss provision to assets | 0.0527% | 2,891 |
| Net operating income to assets | 0.7644% | 3,457 |
| Return on assets (ROA) | 0.7644% | 3,592 |
| Pretax return on assets | 1.1993% | 2,674 |
| Return on Equity (ROE) | 7.7411% | 3,099 |
| Retained earnings to average equity (ytd only) | 3.1587% | 4,088 |
| Net charge-offs to loans | -0.0655% | 5,659 |
| Credit loss provision to net charge-offs | -171.4286% | 4,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1138% | 4,299 |
| Assets per employee ($millions) | 3.1158% | 5,527 |
| Cash dividends to net income (ytd only)* | 59.1954% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 2,732 |
| Loan loss allowance to noncurrent loans | 860.0000% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 4,550 |
| Noncurrent loans to loans | 0.1676% | 5,168 |
| Net loans and leases to total assets | 45.5637% | 5,231 |
| Net loans and leases to deposits | 51.0813% | 5,385 |
| Net loans and leases to core deposits | 51.5857% | 5,514 |
| Total domestic deposits to total assets | 89.1984% | 1,144 |
| Equity capital to assets | 10.0800% | 4,047 |
| Core capital (leverage) ratio | 9.6872% | 4,029 |
| Tier 1 risk-based capital ratio | 17.8142% | 2,191 |
| Total risk-based capital ratio | 19.0301% | 2,170 |
| Memoranda: | ||
| Average total assets | $91,056,000 | 4,788 |
| Average earning assets | $85,376,000 | 4,733 |
| Average equity | $8,991,000 | 4,990 |
| Average total loans | $42,749,000 | 5,036 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 4,625 |
| Cost of funding earning assets | 0.1954% | 5,784 |
| Net interest margin | 3.5618% | 3,550 |
| Noninterest income to average assets | 1.0068% | 1,198 |
| Noninterest expense to average assets | 3.2509% | 2,075 |
| Loan and lease loss provision to assets | 0.4296% | 398 |
| Net operating income to assets | 0.4578% | 4,981 |
| Return on assets (ROA) | 0.4875% | 4,943 |
| Pretax return on assets | 0.7182% | 4,562 |
| Return on Equity (ROE) | 5.0560% | 4,631 |
| Retained earnings to average equity (ytd only) | 0.9182% | 5,371 |
| Net charge-offs to loans | 0.9959% | 304 |
| Credit loss provision to net charge-offs | 91.3953% | 2,619 |
| Earnings coverage of net charge-offs (x) | 2.3488% | 4,178 |
| Efficiency ratio | 70.9588% | 3,380 |
| Assets per employee ($millions) | 3.2770% | 5,302 |
| Cash dividends to net income (ytd only)* | 81.8386% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 3,258 |
| Loan loss allowance to noncurrent loans | 655.0562% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 4,603 |
| Noncurrent loans to loans | 0.2035% | 5,087 |
| Net loans and leases to total assets | 47.0198% | 5,248 |
| Net loans and leases to deposits | 52.3326% | 5,459 |
| Net loans and leases to core deposits | 52.8364% | 5,579 |
| Total domestic deposits to total assets | 89.8480% | 797 |
| Equity capital to assets | 9.6714% | 4,509 |
| Core capital (leverage) ratio | 9.3789% | 4,420 |
| Tier 1 risk-based capital ratio | 14.7859% | 3,606 |
| Total risk-based capital ratio | 15.7979% | 3,681 |
| Memoranda: | ||
| Average total assets | $91,482,200 | 4,798 |
| Average earning assets | $85,994,800 | 4,737 |
| Average equity | $8,821,200 | 5,021 |
| Average total loans | $43,177,600 | 5,063 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8406% | 4,405 |
| Cost of funding earning assets | 0.2030% | 5,800 |
| Net interest margin | 3.6375% | 3,281 |
| Noninterest income to average assets | 1.0224% | 1,180 |
| Noninterest expense to average assets | 3.2350% | 2,072 |
| Loan and lease loss provision to assets | 0.5557% | 257 |
| Net operating income to assets | 0.4456% | 5,093 |
| Return on assets (ROA) | 0.4813% | 5,019 |
| Pretax return on assets | 0.7074% | 4,684 |
| Return on Equity (ROE) | 4.9953% | 4,721 |
| Retained earnings to average equity (ytd only) | 1.6651% | 5,216 |
| Net charge-offs to loans | 1.2949% | 204 |
| Credit loss provision to net charge-offs | 91.1483% | 2,406 |
| Earnings coverage of net charge-offs (x) | 1.9856% | 4,022 |
| Efficiency ratio | 69.1601% | 3,647 |
| Assets per employee ($millions) | 3.2533% | 5,322 |
| Cash dividends to net income (ytd only)* | 66.6674% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 3,463 |
| Loan loss allowance to noncurrent loans | 147.5949% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 3,600 |
| Noncurrent loans to loans | 0.9053% | 3,294 |
| Net loans and leases to total assets | 47.2615% | 5,273 |
| Net loans and leases to deposits | 53.9142% | 5,397 |
| Net loans and leases to core deposits | 54.4494% | 5,536 |
| Total domestic deposits to total assets | 87.6607% | 1,946 |
| Equity capital to assets | 9.7408% | 4,497 |
| Core capital (leverage) ratio | 9.4444% | 4,444 |
| Tier 1 risk-based capital ratio | 14.7098% | 3,753 |
| Total risk-based capital ratio | 15.7172% | 3,845 |
| Memoranda: | ||
| Average total assets | $91,414,000 | 4,856 |
| Average earning assets | $86,027,250 | 4,787 |
| Average equity | $8,808,000 | 5,064 |
| Average total loans | $43,040,500 | 5,123 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 3,413 |
| Cost of funding earning assets | 0.2115% | 5,815 |
| Net interest margin | 3.8723% | 2,287 |
| Noninterest income to average assets | 0.9681% | 1,289 |
| Noninterest expense to average assets | 3.2080% | 2,170 |
| Loan and lease loss provision to assets | 0.8064% | 152 |
| Net operating income to assets | 0.4106% | 5,177 |
| Return on assets (ROA) | 0.4392% | 5,136 |
| Pretax return on assets | 0.6359% | 4,833 |
| Return on Equity (ROE) | 4.5753% | 4,878 |
| Retained earnings to average equity (ytd only) | 1.5706% | 5,113 |
| Net charge-offs to loans | 2.0820% | 106 |
| Credit loss provision to net charge-offs | 82.7354% | 2,300 |
| Earnings coverage of net charge-offs (x) | 1.4372% | 3,806 |
| Efficiency ratio | 66.1451% | 4,346 |
| Assets per employee ($millions) | 3.5045% | 4,842 |
| Cash dividends to net income (ytd only)* | 65.6716% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 4,071 |
| Loan loss allowance to noncurrent loans | 72.9839% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.1414% | 2,794 |
| Noncurrent loans to loans | 1.7292% | 1,994 |
| Net loans and leases to total assets | 46.6242% | 5,301 |
| Net loans and leases to deposits | 52.8737% | 5,437 |
| Net loans and leases to core deposits | 53.3948% | 5,590 |
| Total domestic deposits to total assets | 88.1802% | 1,804 |
| Equity capital to assets | 9.7280% | 4,456 |
| Core capital (leverage) ratio | 9.1906% | 4,756 |
| Tier 1 risk-based capital ratio | 14.9844% | 3,652 |
| Total risk-based capital ratio | 15.9486% | 3,761 |
| Memoranda: | ||
| Average total assets | $91,521,670 | 4,890 |
| Average earning assets | $86,048,000 | 4,826 |
| Average equity | $8,786,330 | 5,087 |
| Average total loans | $42,842,670 | 5,168 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7380% | 1,172 |
| Cost of funding earning assets | 0.2187% | 5,857 |
| Net interest margin | 4.5192% | 629 |
| Noninterest income to average assets | 1.0205% | 1,087 |
| Noninterest expense to average assets | 3.1835% | 2,284 |
| Loan and lease loss provision to assets | 1.5743% | 59 |
| Net operating income to assets | 0.3291% | 5,396 |
| Return on assets (ROA) | 0.3838% | 5,243 |
| Pretax return on assets | 0.5800% | 4,896 |
| Return on Equity (ROE) | 4.0240% | 5,024 |
| Retained earnings to average equity (ytd only) | 2.0577% | 4,784 |
| Net charge-offs to loans | 0.1965% | 1,555 |
| Credit loss provision to net charge-offs | 1,719.0476% | 196 |
| Earnings coverage of net charge-offs (x) | 22.6190% | 1,242 |
| Efficiency ratio | 57.5104% | 5,703 |
| Assets per employee ($millions) | 3.5738% | 4,783 |
| Cash dividends to net income (ytd only)* | 48.8636% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3135% | 1,006 |
| Loan loss allowance to noncurrent loans | 85.1819% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.4453% | 2,455 |
| Noncurrent loans to loans | 2.7160% | 1,241 |
| Net loans and leases to total assets | 43.6235% | 5,544 |
| Net loans and leases to deposits | 48.4098% | 5,709 |
| Net loans and leases to core deposits | 48.8662% | 5,832 |
| Total domestic deposits to total assets | 90.1130% | 1,004 |
| Equity capital to assets | 9.4587% | 4,551 |
| Core capital (leverage) ratio | 9.0986% | 4,875 |
| Tier 1 risk-based capital ratio | 15.0626% | 3,680 |
| Total risk-based capital ratio | 16.2147% | 3,683 |
| Memoranda: | ||
| Average total assets | $91,723,500 | 4,920 |
| Average earning assets | $85,943,500 | 4,866 |
| Average equity | $8,747,500 | 5,117 |
| Average total loans | $42,751,000 | 5,211 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3414% | 5,927 |
| Cost of funding earning assets | 0.3057% | 5,550 |
| Net interest margin | 3.0356% | 5,493 |
| Noninterest income to average assets | 0.9939% | 1,413 |
| Noninterest expense to average assets | 2.9343% | 3,264 |
| Loan and lease loss provision to assets | 0.1948% | 1,902 |
| Net operating income to assets | 0.4680% | 4,875 |
| Return on assets (ROA) | 0.5075% | 4,830 |
| Pretax return on assets | 0.7570% | 4,309 |
| Return on Equity (ROE) | 5.3783% | 4,455 |
| Retained earnings to average equity (ytd only) | -2.6110% | 6,234 |
| Net charge-offs to loans | 0.2650% | 2,376 |
| Credit loss provision to net charge-offs | 154.1667% | 1,501 |
| Earnings coverage of net charge-offs (x) | 7.0667% | 2,920 |
| Efficiency ratio | 73.0949% | 3,277 |
| Assets per employee ($millions) | 3.3529% | 5,190 |
| Cash dividends to net income (ytd only)* | 148.5477% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 3,606 |
| Loan loss allowance to noncurrent loans | 49.9597% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 1.6835% | 2,188 |
| Noncurrent loans to loans | 2.8200% | 1,246 |
| Net loans and leases to total assets | 47.9271% | 5,300 |
| Net loans and leases to deposits | 54.6360% | 5,413 |
| Net loans and leases to core deposits | 55.1787% | 5,601 |
| Total domestic deposits to total assets | 87.7208% | 2,355 |
| Equity capital to assets | 9.6170% | 4,263 |
| Core capital (leverage) ratio | 9.1294% | 4,812 |
| Tier 1 risk-based capital ratio | 15.5222% | 3,364 |
| Total risk-based capital ratio | 16.6813% | 3,364 |
| Memoranda: | ||
| Average total assets | $94,980,600 | 4,868 |
| Average earning assets | $88,646,800 | 4,812 |
| Average equity | $8,962,000 | 5,087 |
| Average total loans | $45,282,800 | 5,138 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2953% | 6,067 |
| Cost of funding earning assets | 0.3200% | 5,554 |
| Net interest margin | 2.9753% | 5,652 |
| Noninterest income to average assets | 1.0226% | 1,392 |
| Noninterest expense to average assets | 2.8680% | 3,417 |
| Loan and lease loss provision to assets | 0.2248% | 1,612 |
| Net operating income to assets | 0.4752% | 4,908 |
| Return on assets (ROA) | 0.5328% | 4,812 |
| Pretax return on assets | 0.7881% | 4,345 |
| Return on Equity (ROE) | 5.6724% | 4,367 |
| Retained earnings to average equity (ytd only) | -2.9248% | 6,347 |
| Net charge-offs to loans | 0.1579% | 2,973 |
| Credit loss provision to net charge-offs | 300.0000% | 845 |
| Earnings coverage of net charge-offs (x) | 12.3886% | 2,136 |
| Efficiency ratio | 72.2222% | 3,363 |
| Assets per employee ($millions) | 3.1194% | 5,639 |
| Cash dividends to net income (ytd only)* | 151.5616% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 3,431 |
| Loan loss allowance to noncurrent loans | 57.0077% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 1.6168% | 2,528 |
| Noncurrent loans to loans | 2.6413% | 1,603 |
| Net loans and leases to total assets | 46.3422% | 5,510 |
| Net loans and leases to deposits | 52.2865% | 5,690 |
| Net loans and leases to core deposits | 52.7829% | 5,847 |
| Total domestic deposits to total assets | 88.6314% | 1,762 |
| Equity capital to assets | 9.2667% | 4,841 |
| Core capital (leverage) ratio | 8.8616% | 5,304 |
| Tier 1 risk-based capital ratio | 15.2163% | 3,613 |
| Total risk-based capital ratio | 16.4315% | 3,599 |
| Memoranda: | ||
| Average total assets | $96,094,000 | 4,880 |
| Average earning assets | $89,580,500 | 4,824 |
| Average equity | $9,026,000 | 5,134 |
| Average total loans | $45,601,750 | 5,181 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2489% | 6,159 |
| Cost of funding earning assets | 0.3253% | 5,610 |
| Net interest margin | 2.9236% | 5,744 |
| Noninterest income to average assets | 1.1266% | 1,198 |
| Noninterest expense to average assets | 2.7587% | 3,822 |
| Loan and lease loss provision to assets | 0.2889% | 1,257 |
| Net operating income to assets | 0.5318% | 4,657 |
| Return on assets (ROA) | 0.6149% | 4,384 |
| Pretax return on assets | 0.9306% | 3,781 |
| Return on Equity (ROE) | 6.5179% | 3,869 |
| Retained earnings to average equity (ytd only) | 1.0936% | 5,461 |
| Net charge-offs to loans | 0.0650% | 3,772 |
| Credit loss provision to net charge-offs | 933.3333% | 331 |
| Earnings coverage of net charge-offs (x) | 35.3333% | 1,023 |
| Efficiency ratio | 68.8270% | 4,035 |
| Assets per employee ($millions) | 3.0561% | 5,756 |
| Cash dividends to net income (ytd only)* | 83.2215% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 3,499 |
| Loan loss allowance to noncurrent loans | 65.6371% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.3395% | 3,091 |
| Noncurrent loans to loans | 2.3138% | 2,042 |
| Net loans and leases to total assets | 45.0882% | 5,626 |
| Net loans and leases to deposits | 49.8198% | 5,856 |
| Net loans and leases to core deposits | 50.2622% | 6,011 |
| Total domestic deposits to total assets | 90.5026% | 755 |
| Equity capital to assets | 9.1804% | 5,016 |
| Core capital (leverage) ratio | 8.9508% | 5,074 |
| Tier 1 risk-based capital ratio | 15.2770% | 3,612 |
| Total risk-based capital ratio | 16.4971% | 3,585 |
| Memoranda: | ||
| Average total assets | $96,931,330 | 4,886 |
| Average earning assets | $90,369,000 | 4,834 |
| Average equity | $9,144,000 | 5,140 |
| Average total loans | $46,125,330 | 5,181 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5351% | 5,620 |
| Cost of funding earning assets | 0.3214% | 5,797 |
| Net interest margin | 3.2137% | 4,878 |
| Noninterest income to average assets | 1.2166% | 1,025 |
| Noninterest expense to average assets | 3.0387% | 2,866 |
| Loan and lease loss provision to assets | 0.0171% | 4,250 |
| Net operating income to assets | 0.7137% | 3,627 |
| Return on assets (ROA) | 0.9367% | 2,629 |
| Pretax return on assets | 1.4793% | 1,618 |
| Return on Equity (ROE) | 9.5599% | 2,238 |
| Retained earnings to average equity (ytd only) | 4.5468% | 3,508 |
| Net charge-offs to loans | -0.0539% | 6,164 |
| Credit loss provision to net charge-offs | -60.0000% | 5,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4407% | 4,067 |
| Assets per employee ($millions) | 2.9450% | 6,079 |
| Cash dividends to net income (ytd only)* | 52.4390% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 3,485 |
| Loan loss allowance to noncurrent loans | 105.3604% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.2168% | 3,536 |
| Noncurrent loans to loans | 1.4999% | 3,304 |
| Net loans and leases to total assets | 50.2235% | 4,960 |
| Net loans and leases to deposits | 56.0825% | 5,228 |
| Net loans and leases to core deposits | 56.5534% | 5,469 |
| Total domestic deposits to total assets | 89.5529% | 1,328 |
| Equity capital to assets | 9.7482% | 4,503 |
| Core capital (leverage) ratio | 9.3018% | 4,395 |
| Tier 1 risk-based capital ratio | 15.0894% | 3,778 |
| Total risk-based capital ratio | 16.3409% | 3,734 |
| Memoranda: | ||
| Average total assets | $70,031,000 | 5,624 |
| Average earning assets | $64,722,000 | 5,590 |
| Average equity | $6,862,000 | 5,775 |
| Average total loans | $37,137,500 | 5,574 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0238% | 5,230 |
| Cost of funding earning assets | 0.3674% | 6,118 |
| Net interest margin | 3.6564% | 3,847 |
| Noninterest income to average assets | 1.1165% | 1,249 |
| Noninterest expense to average assets | 3.7736% | 1,296 |
| Loan and lease loss provision to assets | 0.0030% | 5,884 |
| Net operating income to assets | 0.4934% | 4,711 |
| Return on assets (ROA) | 0.4912% | 4,970 |
| Pretax return on assets | 0.6848% | 4,714 |
| Return on Equity (ROE) | 4.8050% | 4,782 |
| Retained earnings to average equity (ytd only) | -0.5824% | 5,951 |
| Net charge-offs to loans | 0.5135% | 2,188 |
| Credit loss provision to net charge-offs | 1.0695% | 5,477 |
| Earnings coverage of net charge-offs (x) | 2.4813% | 4,172 |
| Efficiency ratio | 81.4271% | 1,956 |
| Assets per employee ($millions) | 2.8909% | 6,171 |
| Cash dividends to net income (ytd only)* | 112.1212% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 3,860 |
| Loan loss allowance to noncurrent loans | 103.8817% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2395% | 3,581 |
| Noncurrent loans to loans | 1.4160% | 3,475 |
| Net loans and leases to total assets | 54.2576% | 4,587 |
| Net loans and leases to deposits | 60.9428% | 4,918 |
| Net loans and leases to core deposits | 62.0938% | 5,145 |
| Total domestic deposits to total assets | 89.0303% | 1,545 |
| Equity capital to assets | 9.8498% | 4,380 |
| Core capital (leverage) ratio | 9.2847% | 4,444 |
| Tier 1 risk-based capital ratio | 14.5112% | 4,027 |
| Total risk-based capital ratio | 15.7623% | 3,978 |
| Memoranda: | ||
| Average total assets | $67,176,600 | 5,706 |
| Average earning assets | $61,509,400 | 5,687 |
| Average equity | $6,867,800 | 5,801 |
| Average total loans | $36,419,600 | 5,663 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0710% | 5,289 |
| Cost of funding earning assets | 0.3759% | 6,252 |
| Net interest margin | 3.6952% | 3,821 |
| Noninterest income to average assets | 1.1527% | 1,148 |
| Noninterest expense to average assets | 3.7382% | 1,310 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5591% | 4,574 |
| Return on assets (ROA) | 0.5563% | 4,855 |
| Pretax return on assets | 0.7945% | 4,503 |
| Return on Equity (ROE) | 5.3904% | 4,647 |
| Retained earnings to average equity (ytd only) | -0.0193% | 6,079 |
| Net charge-offs to loans | 0.2594% | 3,170 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 5.7001% | 2,952 |
| Efficiency ratio | 79.3560% | 2,191 |
| Assets per employee ($millions) | 2.9139% | 6,194 |
| Cash dividends to net income (ytd only)* | 100.3588% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8553% | 2,628 |
| Loan loss allowance to noncurrent loans | 263.4241% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.8654% | 4,563 |
| Noncurrent loans to loans | 0.7043% | 5,029 |
| Net loans and leases to total assets | 53.4371% | 4,835 |
| Net loans and leases to deposits | 60.0204% | 5,207 |
| Net loans and leases to core deposits | 61.8479% | 5,375 |
| Total domestic deposits to total assets | 89.0315% | 1,408 |
| Equity capital to assets | 10.2866% | 4,096 |
| Core capital (leverage) ratio | 9.7845% | 3,830 |
| Tier 1 risk-based capital ratio | 15.2337% | 3,687 |
| Total risk-based capital ratio | 16.4886% | 3,632 |
| Memoranda: | ||
| Average total assets | $66,625,250 | 5,790 |
| Average earning assets | $61,015,000 | 5,768 |
| Average equity | $6,876,250 | 5,863 |
| Average total loans | $35,972,750 | 5,754 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 5,118 |
| Cost of funding earning assets | 0.3764% | 6,396 |
| Net interest margin | 3.7775% | 3,469 |
| Noninterest income to average assets | 1.1219% | 1,137 |
| Noninterest expense to average assets | 3.6996% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6177% | 4,297 |
| Return on assets (ROA) | 0.6136% | 4,563 |
| Pretax return on assets | 0.8873% | 4,127 |
| Return on Equity (ROE) | 5.9386% | 4,356 |
| Retained earnings to average equity (ytd only) | -0.0291% | 6,038 |
| Net charge-offs to loans | 0.3966% | 2,433 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 4.1831% | 3,152 |
| Efficiency ratio | 77.5377% | 2,517 |
| Assets per employee ($millions) | 2.7010% | 6,529 |
| Cash dividends to net income (ytd only)* | 100.4902% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9275% | 2,450 |
| Loan loss allowance to noncurrent loans | 200.5935% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.9774% | 4,417 |
| Noncurrent loans to loans | 0.9609% | 4,585 |
| Net loans and leases to total assets | 50.9374% | 5,231 |
| Net loans and leases to deposits | 57.1099% | 5,535 |
| Net loans and leases to core deposits | 57.6111% | 5,801 |
| Total domestic deposits to total assets | 89.1920% | 1,395 |
| Equity capital to assets | 10.2112% | 4,038 |
| Core capital (leverage) ratio | 9.7808% | 3,741 |
| Tier 1 risk-based capital ratio | 15.6576% | 3,357 |
| Total risk-based capital ratio | 16.9128% | 3,318 |
| Memoranda: | ||
| Average total assets | $66,494,000 | 5,827 |
| Average earning assets | $61,099,000 | 5,799 |
| Average equity | $6,870,330 | 5,886 |
| Average total loans | $35,800,330 | 5,795 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3396% | 4,571 |
| Cost of funding earning assets | 0.3771% | 6,516 |
| Net interest margin | 3.9626% | 2,659 |
| Noninterest income to average assets | 1.0609% | 1,283 |
| Noninterest expense to average assets | 3.8194% | 1,187 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5759% | 4,467 |
| Return on assets (ROA) | 0.5759% | 4,692 |
| Pretax return on assets | 0.8730% | 4,138 |
| Return on Equity (ROE) | 5.5410% | 4,529 |
| Retained earnings to average equity (ytd only) | 0.8749% | 5,716 |
| Net charge-offs to loans | -0.0442% | 6,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4238% | 2,437 |
| Assets per employee ($millions) | 2.6766% | 6,661 |
| Cash dividends to net income (ytd only)* | 84.2105% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1042% | 2,095 |
| Loan loss allowance to noncurrent loans | 161.5054% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 3,995 |
| Noncurrent loans to loans | 1.3028% | 4,165 |
| Net loans and leases to total assets | 52.2155% | 4,987 |
| Net loans and leases to deposits | 58.5269% | 5,318 |
| Net loans and leases to core deposits | 58.7958% | 5,647 |
| Total domestic deposits to total assets | 89.2162% | 1,543 |
| Equity capital to assets | 10.2712% | 3,764 |
| Core capital (leverage) ratio | 9.7945% | 3,651 |
| Tier 1 risk-based capital ratio | 15.6718% | 3,351 |
| Total risk-based capital ratio | 16.9291% | 3,319 |
| Memoranda: | ||
| Average total assets | $65,979,000 | 5,890 |
| Average earning assets | $60,466,000 | 5,858 |
| Average equity | $6,858,000 | 5,912 |
| Average total loans | $36,165,000 | 5,819 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 5,773 |
| Cost of funding earning assets | 0.4530% | 6,721 |
| Net interest margin | 3.8431% | 3,609 |
| Noninterest income to average assets | 1.2735% | 792 |
| Noninterest expense to average assets | 3.8637% | 1,233 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6010% | 3,998 |
| Return on assets (ROA) | 0.6059% | 4,157 |
| Pretax return on assets | 0.9621% | 3,385 |
| Return on Equity (ROE) | 5.7460% | 4,007 |
| Retained earnings to average equity (ytd only) | -3.2019% | 6,296 |
| Net charge-offs to loans | 0.1144% | 5,231 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 14.3953% | 1,462 |
| Efficiency ratio | 77.0560% | 2,735 |
| Assets per employee ($millions) | 2.6017% | 6,720 |
| Cash dividends to net income (ytd only)* | 155.7252% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0388% | 2,155 |
| Loan loss allowance to noncurrent loans | 458.2822% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.7810% | 5,076 |
| Noncurrent loans to loans | 0.4449% | 5,819 |
| Net loans and leases to total assets | 55.1820% | 4,857 |
| Net loans and leases to deposits | 61.9811% | 5,247 |
| Net loans and leases to core deposits | 62.6191% | 5,585 |
| Total domestic deposits to total assets | 89.0303% | 1,520 |
| Equity capital to assets | 10.5207% | 3,513 |
| Core capital (leverage) ratio | 10.0303% | 3,299 |
| Tier 1 risk-based capital ratio | 15.5228% | 3,311 |
| Total risk-based capital ratio | 16.7797% | 3,255 |
| Memoranda: | ||
| Average total assets | $64,860,600 | 5,905 |
| Average earning assets | $59,821,800 | 5,871 |
| Average equity | $6,839,600 | 5,914 |
| Average total loans | $37,583,600 | 5,808 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 5,615 |
| Cost of funding earning assets | 0.4681% | 6,826 |
| Net interest margin | 3.9275% | 3,239 |
| Noninterest income to average assets | 1.2960% | 776 |
| Noninterest expense to average assets | 3.9414% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6105% | 4,038 |
| Return on assets (ROA) | 0.6171% | 4,192 |
| Pretax return on assets | 0.9895% | 3,441 |
| Return on Equity (ROE) | 5.8489% | 4,092 |
| Retained earnings to average equity (ytd only) | -4.4647% | 6,558 |
| Net charge-offs to loans | 0.1763% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 9.5193% | 2,036 |
| Efficiency ratio | 77.0485% | 2,670 |
| Assets per employee ($millions) | 2.5381% | 6,845 |
| Cash dividends to net income (ytd only)* | 176.3344% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0630% | 2,168 |
| Loan loss allowance to noncurrent loans | 184.0796% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 5,486 |
| Noncurrent loans to loans | 1.1207% | 4,672 |
| Net loans and leases to total assets | 55.3638% | 4,947 |
| Net loans and leases to deposits | 62.5311% | 5,339 |
| Net loans and leases to core deposits | 63.1937% | 5,699 |
| Total domestic deposits to total assets | 88.5380% | 1,731 |
| Equity capital to assets | 10.8332% | 3,316 |
| Core capital (leverage) ratio | 10.0038% | 3,439 |
| Tier 1 risk-based capital ratio | 16.0462% | 3,096 |
| Total risk-based capital ratio | 17.3040% | 3,053 |
| Memoranda: | ||
| Average total assets | $64,815,000 | 5,945 |
| Average earning assets | $59,815,750 | 5,913 |
| Average equity | $6,838,750 | 5,950 |
| Average total loans | $37,819,750 | 5,845 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3733% | 5,779 |
| Cost of funding earning assets | 0.4848% | 6,891 |
| Net interest margin | 3.8885% | 3,372 |
| Noninterest income to average assets | 1.3881% | 662 |
| Noninterest expense to average assets | 3.9437% | 1,127 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6398% | 3,857 |
| Return on assets (ROA) | 0.6496% | 3,924 |
| Pretax return on assets | 1.0480% | 3,049 |
| Return on Equity (ROE) | 6.2106% | 3,852 |
| Retained earnings to average equity (ytd only) | -6.5622% | 6,692 |
| Net charge-offs to loans | 0.0156% | 5,626 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 112.3333% | 320 |
| Efficiency ratio | 76.2315% | 2,974 |
| Assets per employee ($millions) | 2.6933% | 6,651 |
| Cash dividends to net income (ytd only)* | 205.6604% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1408% | 2,029 |
| Loan loss allowance to noncurrent loans | 465.0888% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 6,475 |
| Noncurrent loans to loans | 0.4603% | 5,992 |
| Net loans and leases to total assets | 55.5841% | 5,054 |
| Net loans and leases to deposits | 62.5200% | 5,445 |
| Net loans and leases to core deposits | 63.1663% | 5,798 |
| Total domestic deposits to total assets | 88.9061% | 1,593 |
| Equity capital to assets | 10.4983% | 3,504 |
| Core capital (leverage) ratio | 10.0711% | 3,172 |
| Tier 1 risk-based capital ratio | 16.0239% | 2,968 |
| Total risk-based capital ratio | 17.2833% | 2,923 |
| Memoranda: | ||
| Average total assets | $65,269,000 | 5,980 |
| Average earning assets | $60,229,330 | 5,951 |
| Average equity | $6,827,000 | 5,974 |
| Average total loans | $38,469,670 | 5,870 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 5,810 |
| Cost of funding earning assets | 0.5018% | 6,964 |
| Net interest margin | 3.8622% | 3,331 |
| Noninterest income to average assets | 1.6894% | 482 |
| Noninterest expense to average assets | 4.2144% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6404% | 3,801 |
| Return on assets (ROA) | 0.6404% | 3,874 |
| Pretax return on assets | 1.0429% | 2,978 |
| Return on Equity (ROE) | 6.1336% | 3,823 |
| Retained earnings to average equity (ytd only) | -12.5009% | 6,960 |
| Net charge-offs to loans | -0.2440% | 7,301 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3782% | 2,931 |
| Assets per employee ($millions) | 2.5271% | 6,954 |
| Cash dividends to net income (ytd only)* | 303.8095% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1514% | 2,074 |
| Loan loss allowance to noncurrent loans | 411.1111% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 6,414 |
| Noncurrent loans to loans | 0.5233% | 5,980 |
| Net loans and leases to total assets | 58.5995% | 4,530 |
| Net loans and leases to deposits | 66.2574% | 4,937 |
| Net loans and leases to core deposits | 66.9609% | 5,403 |
| Total domestic deposits to total assets | 88.4422% | 2,110 |
| Equity capital to assets | 10.6809% | 3,006 |
| Core capital (leverage) ratio | 9.4038% | 3,958 |
| Tier 1 risk-based capital ratio | 15.8960% | 2,955 |
| Total risk-based capital ratio | 17.1551% | 2,924 |
| Memoranda: | ||
| Average total assets | $65,584,000 | 6,006 |
| Average earning assets | $60,587,500 | 5,977 |
| Average equity | $6,847,500 | 5,976 |
| Average total loans | $39,347,000 | 5,876 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4138% | 372 |
| Cost of funding earning assets | 0.6466% | 7,012 |
| Net interest margin | 5.7672% | 124 |
| Noninterest income to average assets | 1.0546% | 1,348 |
| Noninterest expense to average assets | 4.2282% | 876 |
| Loan and lease loss provision to assets | 0.1326% | 5,848 |
| Net operating income to assets | 1.1870% | 1,443 |
| Return on assets (ROA) | 1.1955% | 1,505 |
| Pretax return on assets | 2.0312% | 453 |
| Return on Equity (ROE) | 11.6674% | 1,404 |
| Retained earnings to average equity (ytd only) | 5.9389% | 1,849 |
| Net charge-offs to loans | -0.1266% | 7,515 |
| Credit loss provision to net charge-offs | -163.2653% | 7,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6478% | 5,233 |
| Assets per employee ($millions) | 2.5181% | 6,987 |
| Cash dividends to net income (ytd only)* | 49.0985% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9335% | 2,464 |
| Loan loss allowance to noncurrent loans | 398.9899% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 6,519 |
| Noncurrent loans to loans | 0.4846% | 6,069 |
| Net loans and leases to total assets | 58.9322% | 4,861 |
| Net loans and leases to deposits | 66.5405% | 5,331 |
| Net loans and leases to core deposits | 67.1932% | 5,753 |
| Total domestic deposits to total assets | 88.5660% | 1,911 |
| Equity capital to assets | 10.2177% | 3,479 |
| Core capital (leverage) ratio | 9.6939% | 3,437 |
| Tier 1 risk-based capital ratio | 16.3286% | 2,604 |
| Total risk-based capital ratio | 17.5873% | 2,559 |
| Memoranda: | ||
| Average total assets | $60,309,200 | 6,182 |
| Average earning assets | $55,676,600 | 6,145 |
| Average equity | $6,179,600 | 6,314 |
| Average total loans | $38,705,400 | 5,981 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5694% | 2,177 |
| Cost of funding earning assets | 0.6516% | 7,179 |
| Net interest margin | 4.9178% | 535 |
| Noninterest income to average assets | 1.0732% | 1,245 |
| Noninterest expense to average assets | 4.3546% | 704 |
| Loan and lease loss provision to assets | 0.1598% | 5,438 |
| Net operating income to assets | 0.6583% | 3,607 |
| Return on assets (ROA) | 0.6554% | 3,792 |
| Pretax return on assets | 1.0869% | 2,866 |
| Return on Equity (ROE) | 6.3907% | 3,625 |
| Retained earnings to average equity (ytd only) | 1.2469% | 5,311 |
| Net charge-offs to loans | -0.0140% | 7,306 |
| Credit loss provision to net charge-offs | -1,750.0000% | 7,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1303% | 2,927 |
| Assets per employee ($millions) | 2.3706% | 7,233 |
| Cash dividends to net income (ytd only)* | 80.4866% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8214% | 2,718 |
| Loan loss allowance to noncurrent loans | 462.2642% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 6,769 |
| Noncurrent loans to loans | 0.3940% | 6,410 |
| Net loans and leases to total assets | 59.6872% | 4,967 |
| Net loans and leases to deposits | 67.1583% | 5,527 |
| Net loans and leases to core deposits | 68.1202% | 5,925 |
| Total domestic deposits to total assets | 88.8755% | 1,458 |
| Equity capital to assets | 10.0880% | 4,043 |
| Core capital (leverage) ratio | 9.3359% | 4,153 |
| Tier 1 risk-based capital ratio | 16.0518% | 2,736 |
| Total risk-based capital ratio | 17.3101% | 2,685 |
| Memoranda: | ||
| Average total assets | $58,389,000 | 6,331 |
| Average earning assets | $53,817,000 | 6,283 |
| Average equity | $5,987,750 | 6,449 |
| Average total loans | $38,167,250 | 6,088 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3176% | 3,380 |
| Cost of funding earning assets | 0.5805% | 7,438 |
| Net interest margin | 4.7371% | 753 |
| Noninterest income to average assets | 1.0408% | 1,246 |
| Noninterest expense to average assets | 4.3103% | 720 |
| Loan and lease loss provision to assets | 0.1974% | 4,893 |
| Net operating income to assets | 0.5501% | 4,096 |
| Return on assets (ROA) | 0.5455% | 4,256 |
| Pretax return on assets | 0.8901% | 3,538 |
| Return on Equity (ROE) | 5.2854% | 4,137 |
| Retained earnings to average equity (ytd only) | -0.4520% | 5,837 |
| Net charge-offs to loans | -0.0107% | 7,201 |
| Credit loss provision to net charge-offs | -2,750.0000% | 6,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8181% | 2,602 |
| Assets per employee ($millions) | 2.1623% | 7,468 |
| Cash dividends to net income (ytd only)* | 108.5526% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 2,961 |
| Loan loss allowance to noncurrent loans | 88.7515% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 1.2069% | 4,724 |
| Noncurrent loans to loans | 1.9505% | 3,791 |
| Net loans and leases to total assets | 60.8053% | 4,906 |
| Net loans and leases to deposits | 68.0746% | 5,552 |
| Net loans and leases to core deposits | 68.7428% | 5,993 |
| Total domestic deposits to total assets | 89.3215% | 1,273 |
| Equity capital to assets | 9.8893% | 4,154 |
| Core capital (leverage) ratio | 10.3609% | 2,758 |
| Tier 1 risk-based capital ratio | 15.7761% | 2,765 |
| Total risk-based capital ratio | 17.0570% | 2,721 |
| Memoranda: | ||
| Average total assets | $55,726,670 | 6,467 |
| Average earning assets | $51,339,000 | 6,428 |
| Average equity | $5,751,670 | 6,544 |
| Average total loans | $37,438,670 | 6,169 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9398% | 1,106 |
| Cost of funding earning assets | 0.5905% | 7,550 |
| Net interest margin | 5.3493% | 224 |
| Noninterest income to average assets | 1.0065% | 1,284 |
| Noninterest expense to average assets | 4.8089% | 427 |
| Loan and lease loss provision to assets | 0.2396% | 4,127 |
| Net operating income to assets | 0.5432% | 4,164 |
| Return on assets (ROA) | 0.5432% | 4,300 |
| Pretax return on assets | 0.8787% | 3,541 |
| Return on Equity (ROE) | 5.1195% | 4,300 |
| Retained earnings to average equity (ytd only) | -0.3011% | 5,900 |
| Net charge-offs to loans | -0.0226% | 7,103 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1321% | 2,398 |
| Assets per employee ($millions) | 1.9760% | 7,677 |
| Cash dividends to net income (ytd only)* | 105.8824% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9530% | 2,301 |
| Loan loss allowance to noncurrent loans | 61.8198% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 2.2693% | 3,188 |
| Noncurrent loans to loans | 3.1592% | 2,540 |
| Net loans and leases to total assets | 70.4286% | 2,817 |
| Net loans and leases to deposits | 79.8508% | 3,683 |
| Net loans and leases to core deposits | 80.3487% | 4,722 |
| Total domestic deposits to total assets | 88.2002% | 1,948 |
| Equity capital to assets | 10.7290% | 3,025 |
| Core capital (leverage) ratio | 11.0814% | 2,176 |
| Tier 1 risk-based capital ratio | 16.3375% | 2,514 |
| Total risk-based capital ratio | 17.5995% | 2,469 |
| Memoranda: | ||
| Average total assets | $50,074,000 | 6,729 |
| Average earning assets | $46,062,500 | 6,709 |
| Average equity | $5,313,000 | 6,735 |
| Average total loans | $35,419,500 | 6,345 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7697% | 2,784 |
| Cost of funding earning assets | 0.6679% | 7,724 |
| Net interest margin | 5.1018% | 360 |
| Noninterest income to average assets | 1.4140% | 731 |
| Noninterest expense to average assets | 4.6439% | 687 |
| Loan and lease loss provision to assets | 0.3036% | 5,001 |
| Net operating income to assets | 0.6701% | 3,059 |
| Return on assets (ROA) | 0.6701% | 3,114 |
| Pretax return on assets | 1.0830% | 2,300 |
| Return on Equity (ROE) | 7.3371% | 2,646 |
| Retained earnings to average equity (ytd only) | 0.0599% | 4,873 |
| Net charge-offs to loans | 0.3033% | 4,736 |
| Credit loss provision to net charge-offs | 135.3659% | 3,659 |
| Earnings coverage of net charge-offs (x) | 6.1829% | 2,421 |
| Efficiency ratio | 77.0068% | 3,359 |
| Assets per employee ($millions) | 1.8332% | 7,813 |
| Cash dividends to net income (ytd only)* | 99.1837% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 3,602 |
| Loan loss allowance to noncurrent loans | 371.9626% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 6,718 |
| Noncurrent loans to loans | 0.4097% | 6,457 |
| Net loans and leases to total assets | 70.1424% | 3,222 |
| Net loans and leases to deposits | 78.5540% | 4,262 |
| Net loans and leases to core deposits | 84.1828% | 5,698 |
| Total domestic deposits to total assets | 89.2919% | 1,337 |
| Equity capital to assets | 9.1425% | 4,924 |
| Core capital (leverage) ratio | 9.1262% | 4,233 |
| Tier 1 risk-based capital ratio | 14.0553% | 3,466 |
| Total risk-based capital ratio | 15.3101% | 3,415 |
| Memoranda: | ||
| Average total assets | $36,563,800 | 7,225 |
| Average earning assets | $33,086,400 | 7,226 |
| Average equity | $3,339,200 | 7,491 |
| Average total loans | $27,036,600 | 6,803 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8188% | 2,807 |
| Cost of funding earning assets | 0.6991% | 7,813 |
| Net interest margin | 5.1197% | 350 |
| Noninterest income to average assets | 1.4341% | 727 |
| Noninterest expense to average assets | 4.7473% | 592 |
| Loan and lease loss provision to assets | 0.2956% | 4,612 |
| Net operating income to assets | 0.6240% | 3,522 |
| Return on assets (ROA) | 0.6240% | 3,573 |
| Pretax return on assets | 1.0144% | 2,862 |
| Return on Equity (ROE) | 6.8342% | 3,144 |
| Retained earnings to average equity (ytd only) | -1.7587% | 5,671 |
| Net charge-offs to loans | 0.4450% | 3,455 |
| Credit loss provision to net charge-offs | 89.0110% | 5,509 |
| Earnings coverage of net charge-offs (x) | 3.9450% | 3,324 |
| Efficiency ratio | 78.3735% | 3,109 |
| Assets per employee ($millions) | 1.6405% | 7,952 |
| Cash dividends to net income (ytd only)* | 125.7336% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 4,272 |
| Loan loss allowance to noncurrent loans | 747.9167% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 7,211 |
| Noncurrent loans to loans | 0.1788% | 7,049 |
| Net loans and leases to total assets | 73.3736% | 2,694 |
| Net loans and leases to deposits | 81.2481% | 4,160 |
| Net loans and leases to core deposits | 87.0803% | 5,746 |
| Total domestic deposits to total assets | 90.3081% | 664 |
| Equity capital to assets | 9.1682% | 5,221 |
| Core capital (leverage) ratio | 9.3845% | 4,070 |
| Tier 1 risk-based capital ratio | 13.5624% | 3,805 |
| Total risk-based capital ratio | 14.8148% | 3,742 |
| Memoranda: | ||
| Average total assets | $36,538,750 | 7,289 |
| Average earning assets | $32,995,750 | 7,288 |
| Average equity | $3,336,000 | 7,560 |
| Average total loans | $27,267,000 | 6,842 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7961% | 3,066 |
| Cost of funding earning assets | 0.7313% | 7,897 |
| Net interest margin | 5.0648% | 378 |
| Noninterest income to average assets | 1.4174% | 746 |
| Noninterest expense to average assets | 4.5955% | 701 |
| Loan and lease loss provision to assets | 0.2780% | 4,355 |
| Net operating income to assets | 0.6869% | 3,310 |
| Return on assets (ROA) | 0.6869% | 3,424 |
| Pretax return on assets | 1.1121% | 2,592 |
| Return on Equity (ROE) | 7.5336% | 2,955 |
| Retained earnings to average equity (ytd only) | -1.6143% | 5,650 |
| Net charge-offs to loans | 0.3867% | 3,266 |
| Credit loss provision to net charge-offs | 96.2264% | 4,735 |
| Earnings coverage of net charge-offs (x) | 4.8113% | 2,994 |
| Efficiency ratio | 76.7760% | 3,544 |
| Assets per employee ($millions) | 1.7913% | 7,975 |
| Cash dividends to net income (ytd only)* | 121.4286% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 3,802 |
| Loan loss allowance to noncurrent loans | 98.6559% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 1.0384% | 4,894 |
| Noncurrent loans to loans | 1.4058% | 4,399 |
| Net loans and leases to total assets | 72.8402% | 2,994 |
| Net loans and leases to deposits | 80.7770% | 4,427 |
| Net loans and leases to core deposits | 86.3187% | 5,868 |
| Total domestic deposits to total assets | 90.1745% | 760 |
| Equity capital to assets | 9.2840% | 4,904 |
| Core capital (leverage) ratio | 9.3870% | 4,047 |
| Tier 1 risk-based capital ratio | 13.7445% | 3,662 |
| Total risk-based capital ratio | 14.9990% | 3,589 |
| Memoranda: | ||
| Average total assets | $36,687,670 | 7,355 |
| Average earning assets | $33,091,000 | 7,355 |
| Average equity | $3,345,000 | 7,620 |
| Average total loans | $27,409,000 | 6,887 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8824% | 2,882 |
| Cost of funding earning assets | 0.7668% | 7,940 |
| Net interest margin | 5.1157% | 324 |
| Noninterest income to average assets | 1.3793% | 744 |
| Noninterest expense to average assets | 4.6122% | 646 |
| Loan and lease loss provision to assets | 0.2263% | 4,185 |
| Net operating income to assets | 0.7004% | 3,557 |
| Return on assets (ROA) | 0.7004% | 3,748 |
| Pretax return on assets | 1.1423% | 2,822 |
| Return on Equity (ROE) | 7.7508% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.7508% | 1,904 |
| Net charge-offs to loans | 0.4591% | 2,299 |
| Credit loss provision to net charge-offs | 65.6250% | 4,424 |
| Earnings coverage of net charge-offs (x) | 3.9688% | 3,014 |
| Efficiency ratio | 77.1171% | 3,312 |
| Assets per employee ($millions) | 1.7385% | 8,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 3,982 |
| Loan loss allowance to noncurrent loans | 52.5773% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 1.8599% | 3,129 |
| Noncurrent loans to loans | 2.5043% | 2,630 |
| Net loans and leases to total assets | 73.2880% | 2,943 |
| Net loans and leases to deposits | 81.0690% | 4,440 |
| Net loans and leases to core deposits | 86.1790% | 5,887 |
| Total domestic deposits to total assets | 90.4021% | 640 |
| Equity capital to assets | 9.3623% | 4,853 |
| Core capital (leverage) ratio | 9.0868% | 4,576 |
| Tier 1 risk-based capital ratio | 13.6828% | 3,751 |
| Total risk-based capital ratio | 14.9340% | 3,673 |
| Memoranda: | ||
| Average total assets | $37,119,000 | 7,373 |
| Average earning assets | $33,387,500 | 7,383 |
| Average equity | $3,354,500 | 7,671 |
| Average total loans | $27,882,500 | 6,891 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6916% | 2,059 |
| Cost of funding earning assets | 1.3943% | 7,741 |
| Net interest margin | 5.2973% | 284 |
| Noninterest income to average assets | 1.4893% | 629 |
| Noninterest expense to average assets | 4.4678% | 893 |
| Loan and lease loss provision to assets | 0.9546% | 1,546 |
| Net operating income to assets | 0.7558% | 3,639 |
| Return on assets (ROA) | 0.7558% | 3,481 |
| Pretax return on assets | 0.9378% | 3,593 |
| Return on Equity (ROE) | 9.2194% | 2,562 |
| Retained earnings to average equity (ytd only) | -1.8097% | 5,819 |
| Net charge-offs to loans | 1.3286% | 891 |
| Credit loss provision to net charge-offs | 89.9736% | 5,682 |
| Earnings coverage of net charge-offs (x) | 1.7836% | 5,185 |
| Efficiency ratio | 70.2465% | 4,304 |
| Assets per employee ($millions) | 1.7150% | 8,090 |
| Cash dividends to net income (ytd only)* | 119.6296% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 3,874 |
| Loan loss allowance to noncurrent loans | 95.3488% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.0257% | 4,262 |
| Noncurrent loans to loans | 1.3507% | 3,818 |
| Net loans and leases to total assets | 74.9616% | 2,887 |
| Net loans and leases to deposits | 82.3401% | 4,672 |
| Net loans and leases to core deposits | 87.2905% | 6,036 |
| Total domestic deposits to total assets | 91.0390% | 316 |
| Equity capital to assets | 8.7225% | 5,775 |
| Core capital (leverage) ratio | 9.2568% | 4,358 |
| Tier 1 risk-based capital ratio | 13.7057% | 3,695 |
| Total risk-based capital ratio | 14.9208% | 3,627 |
| Memoranda: | ||
| Average total assets | $35,722,200 | 7,395 |
| Average earning assets | $32,847,000 | 7,378 |
| Average equity | $2,928,600 | 7,860 |
| Average total loans | $28,525,400 | 6,795 |