Home > Prime Bank > Performance and Condition Ratios
Prime Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 3,451 |
| Cost of funding earning assets | 1.0893% | 241 |
| Net interest margin | 2.9539% | 4,949 |
| Noninterest income to average assets | 0.0423% | 5,489 |
| Noninterest expense to average assets | 1.8183% | 5,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2054% | 5,448 |
| Return on assets (ROA) | -0.2054% | 5,443 |
| Pretax return on assets | 1.0088% | 3,503 |
| Return on Equity (ROE) | -1.4922% | 5,438 |
| Retained earnings to average equity (ytd only) | -1.4922% | 4,961 |
| Net charge-offs to loans | -0.1982% | 5,379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3162% | 3,429 |
| Assets per employee ($millions) | 10.7148% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6489% | 1,055 |
| Loan loss allowance to noncurrent loans | 51.0013% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 2.6085% | 343 |
| Noncurrent loans to loans | 3.2330% | 343 |
| Net loans and leases to total assets | 35.4415% | 5,224 |
| Net loans and leases to deposits | 47.4470% | 5,058 |
| Net loans and leases to core deposits | 54.8547% | 4,885 |
| Total domestic deposits to total assets | 74.6971% | 5,090 |
| Equity capital to assets | 13.2729% | 1,126 |
| Core capital (leverage) ratio | 15.0118% | 656 |
| Tier 1 risk-based capital ratio | 28.6689% | 528 |
| Total risk-based capital ratio | 29.7705% | 531 |
| Memoranda: | ||
| Average total assets | $66,215,500 | 4,809 |
| Average earning assets | $62,426,000 | 4,782 |
| Average equity | $9,114,000 | 4,572 |
| Average total loans | $24,215,500 | 5,136 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 3,776 |
| Cost of funding earning assets | 1.0130% | 198 |
| Net interest margin | 2.8710% | 5,080 |
| Noninterest income to average assets | 0.0456% | 5,544 |
| Noninterest expense to average assets | 1.7460% | 5,285 |
| Loan and lease loss provision to assets | 0.5746% | 222 |
| Net operating income to assets | 0.6023% | 3,999 |
| Return on assets (ROA) | 0.6188% | 3,974 |
| Pretax return on assets | 0.4586% | 4,997 |
| Return on Equity (ROE) | 5.0673% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.0673% | 2,084 |
| Net charge-offs to loans | 2.2752% | 59 |
| Credit loss provision to net charge-offs | 67.9739% | 3,118 |
| Earnings coverage of net charge-offs (x) | 1.2026% | 3,917 |
| Efficiency ratio | 63.2000% | 3,734 |
| Assets per employee ($millions) | 9.7346% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 1,529 |
| Loan loss allowance to noncurrent loans | 105.1136% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.8784% | 631 |
| Noncurrent loans to loans | 1.3933% | 1,234 |
| Net loans and leases to total assets | 36.5325% | 5,268 |
| Net loans and leases to deposits | 48.5187% | 5,111 |
| Net loans and leases to core deposits | 55.5137% | 4,952 |
| Total domestic deposits to total assets | 75.2957% | 5,058 |
| Equity capital to assets | 14.2276% | 849 |
| Core capital (leverage) ratio | 14.6793% | 686 |
| Tier 1 risk-based capital ratio | 22.5366% | 958 |
| Total risk-based capital ratio | 23.3786% | 979 |
| Memoranda: | ||
| Average total assets | $72,394,600 | 4,740 |
| Average earning assets | $68,512,600 | 4,693 |
| Average equity | $8,841,000 | 4,639 |
| Average total loans | $26,899,200 | 5,096 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 3,758 |
| Cost of funding earning assets | 1.0181% | 181 |
| Net interest margin | 2.8550% | 5,150 |
| Noninterest income to average assets | 0.0472% | 5,616 |
| Noninterest expense to average assets | 1.8278% | 5,239 |
| Loan and lease loss provision to assets | 0.7551% | 148 |
| Net operating income to assets | 0.4356% | 4,916 |
| Return on assets (ROA) | 0.4574% | 4,892 |
| Pretax return on assets | 0.1888% | 5,397 |
| Return on Equity (ROE) | 3.8944% | 4,882 |
| Retained earnings to average equity (ytd only) | 3.8944% | 3,602 |
| Net charge-offs to loans | 3.0027% | 43 |
| Credit loss provision to net charge-offs | 67.6423% | 2,718 |
| Earnings coverage of net charge-offs (x) | 0.8260% | 3,631 |
| Efficiency ratio | 66.4686% | 3,128 |
| Assets per employee ($millions) | 9.7193% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 1,627 |
| Loan loss allowance to noncurrent loans | 407.7778% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 1.4963% | 1,017 |
| Noncurrent loans to loans | 0.3615% | 3,657 |
| Net loans and leases to total assets | 36.0506% | 5,344 |
| Net loans and leases to deposits | 46.5046% | 5,237 |
| Net loans and leases to core deposits | 52.9912% | 5,105 |
| Total domestic deposits to total assets | 77.5204% | 4,802 |
| Equity capital to assets | 13.4945% | 1,159 |
| Core capital (leverage) ratio | 13.7316% | 961 |
| Tier 1 risk-based capital ratio | 28.1875% | 554 |
| Total risk-based capital ratio | 29.2608% | 558 |
| Memoranda: | ||
| Average total assets | $73,457,750 | 4,766 |
| Average earning assets | $69,536,000 | 4,727 |
| Average equity | $8,627,500 | 4,726 |
| Average total loans | $27,308,000 | 5,143 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7965% | 3,907 |
| Cost of funding earning assets | 1.0066% | 170 |
| Net interest margin | 2.7899% | 5,263 |
| Noninterest income to average assets | 0.0478% | 5,657 |
| Noninterest expense to average assets | 1.8946% | 5,191 |
| Loan and lease loss provision to assets | 0.9858% | 99 |
| Net operating income to assets | 0.2214% | 5,364 |
| Return on assets (ROA) | 0.2418% | 5,353 |
| Pretax return on assets | -0.1568% | 5,598 |
| Return on Equity (ROE) | 2.1556% | 5,320 |
| Retained earnings to average equity (ytd only) | 2.1556% | 4,388 |
| Net charge-offs to loans | 0.8537% | 228 |
| Credit loss provision to net charge-offs | 309.1667% | 944 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,152 |
| Efficiency ratio | 70.3850% | 2,603 |
| Assets per employee ($millions) | 10.4363% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9300% | 172 |
| Loan loss allowance to noncurrent loans | 83.8809% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 2.6036% | 398 |
| Noncurrent loans to loans | 3.4930% | 326 |
| Net loans and leases to total assets | 37.0507% | 5,335 |
| Net loans and leases to deposits | 48.4221% | 5,194 |
| Net loans and leases to core deposits | 55.4845% | 5,022 |
| Total domestic deposits to total assets | 76.5160% | 5,028 |
| Equity capital to assets | 12.3333% | 1,710 |
| Core capital (leverage) ratio | 12.9051% | 1,212 |
| Tier 1 risk-based capital ratio | 24.1647% | 836 |
| Total risk-based capital ratio | 25.4250% | 809 |
| Memoranda: | ||
| Average total assets | $75,265,330 | 4,761 |
| Average earning assets | $71,329,000 | 4,715 |
| Average equity | $8,443,000 | 4,778 |
| Average total loans | $28,112,670 | 5,162 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7127% | 4,076 |
| Cost of funding earning assets | 0.9849% | 178 |
| Net interest margin | 2.7278% | 5,353 |
| Noninterest income to average assets | 0.0471% | 5,733 |
| Noninterest expense to average assets | 2.0008% | 5,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7071% | 3,674 |
| Return on assets (ROA) | 0.7280% | 3,622 |
| Pretax return on assets | 0.6495% | 4,599 |
| Return on Equity (ROE) | 6.8141% | 3,489 |
| Retained earnings to average equity (ytd only) | 6.8141% | 1,925 |
| Net charge-offs to loans | -0.0142% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0956% | 1,889 |
| Assets per employee ($millions) | 10.7224% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0372% | 623 |
| Loan loss allowance to noncurrent loans | 84.8802% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 2.1264% | 598 |
| Noncurrent loans to loans | 2.4000% | 675 |
| Net loans and leases to total assets | 36.3271% | 5,389 |
| Net loans and leases to deposits | 47.3056% | 5,249 |
| Net loans and leases to core deposits | 54.7455% | 5,033 |
| Total domestic deposits to total assets | 76.7923% | 5,143 |
| Equity capital to assets | 10.9690% | 2,660 |
| Core capital (leverage) ratio | 12.7349% | 1,239 |
| Tier 1 risk-based capital ratio | 23.7088% | 896 |
| Total risk-based capital ratio | 24.9615% | 879 |
| Memoranda: | ||
| Average total assets | $76,371,000 | 4,785 |
| Average earning assets | $72,293,000 | 4,739 |
| Average equity | $8,159,500 | 4,869 |
| Average total loans | $28,227,000 | 5,211 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3916% | 4,999 |
| Cost of funding earning assets | 1.0606% | 124 |
| Net interest margin | 2.3310% | 5,693 |
| Noninterest income to average assets | 0.0555% | 5,756 |
| Noninterest expense to average assets | 1.9889% | 5,211 |
| Loan and lease loss provision to assets | 0.1291% | 1,926 |
| Net operating income to assets | 0.1234% | 5,535 |
| Return on assets (ROA) | 0.6070% | 4,294 |
| Pretax return on assets | 0.6600% | 4,623 |
| Return on Equity (ROE) | 5.1270% | 4,360 |
| Retained earnings to average equity (ytd only) | 3.5889% | 3,371 |
| Net charge-offs to loans | 0.1408% | 1,854 |
| Credit loss provision to net charge-offs | 250.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 5.1000% | 3,390 |
| Efficiency ratio | 88.3028% | 650 |
| Assets per employee ($millions) | 11.0979% | 220 |
| Cash dividends to net income (ytd only)* | 30.0000% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9776% | 683 |
| Loan loss allowance to noncurrent loans | 86.1492% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 2.0403% | 664 |
| Noncurrent loans to loans | 2.2955% | 726 |
| Net loans and leases to total assets | 36.1138% | 5,481 |
| Net loans and leases to deposits | 40.4268% | 5,535 |
| Net loans and leases to core deposits | 45.7525% | 5,443 |
| Total domestic deposits to total assets | 89.3313% | 933 |
| Equity capital to assets | 10.4087% | 3,260 |
| Core capital (leverage) ratio | 11.9659% | 1,622 |
| Tier 1 risk-based capital ratio | 23.0602% | 961 |
| Total risk-based capital ratio | 24.3114% | 944 |
| Memoranda: | ||
| Average total assets | $77,429,800 | 4,779 |
| Average earning assets | $72,974,400 | 4,738 |
| Average equity | $9,167,200 | 4,724 |
| Average total loans | $28,419,000 | 5,252 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3843% | 5,060 |
| Cost of funding earning assets | 1.0579% | 123 |
| Net interest margin | 2.3264% | 5,765 |
| Noninterest income to average assets | 0.0603% | 5,806 |
| Noninterest expense to average assets | 2.0077% | 5,185 |
| Loan and lease loss provision to assets | 0.1723% | 1,309 |
| Net operating income to assets | 0.0615% | 5,670 |
| Return on assets (ROA) | 0.6928% | 4,022 |
| Pretax return on assets | 0.7721% | 4,403 |
| Return on Equity (ROE) | 5.6794% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.6794% | 2,371 |
| Net charge-offs to loans | -0.0799% | 5,502 |
| Credit loss provision to net charge-offs | -588.2353% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2037% | 605 |
| Assets per employee ($millions) | 11.2656% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3089% | 432 |
| Loan loss allowance to noncurrent loans | 78.1681% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 2.1874% | 676 |
| Noncurrent loans to loans | 2.9537% | 518 |
| Net loans and leases to total assets | 33.4267% | 5,642 |
| Net loans and leases to deposits | 38.2073% | 5,671 |
| Net loans and leases to core deposits | 43.2805% | 5,602 |
| Total domestic deposits to total assets | 87.4878% | 1,669 |
| Equity capital to assets | 12.2446% | 1,945 |
| Core capital (leverage) ratio | 11.9590% | 1,703 |
| Tier 1 risk-based capital ratio | 25.5967% | 755 |
| Total risk-based capital ratio | 26.8535% | 735 |
| Memoranda: | ||
| Average total assets | $77,366,000 | 4,825 |
| Average earning assets | $72,844,000 | 4,778 |
| Average equity | $9,437,500 | 4,714 |
| Average total loans | $28,368,500 | 5,296 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4821% | 4,920 |
| Cost of funding earning assets | 1.0601% | 113 |
| Net interest margin | 2.4220% | 5,797 |
| Noninterest income to average assets | 0.0650% | 5,874 |
| Noninterest expense to average assets | 2.0138% | 5,244 |
| Loan and lease loss provision to assets | 0.1301% | 1,759 |
| Net operating income to assets | 0.1743% | 5,574 |
| Return on assets (ROA) | 0.6895% | 3,999 |
| Pretax return on assets | 0.7701% | 4,391 |
| Return on Equity (ROE) | 5.6596% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.6596% | 2,329 |
| Net charge-offs to loans | -0.1387% | 5,722 |
| Credit loss provision to net charge-offs | -250.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0000% | 883 |
| Assets per employee ($millions) | 11.2204% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0566% | 666 |
| Loan loss allowance to noncurrent loans | 105.4945% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.8767% | 898 |
| Noncurrent loans to loans | 1.9495% | 1,026 |
| Net loans and leases to total assets | 34.9248% | 5,648 |
| Net loans and leases to deposits | 40.0575% | 5,690 |
| Net loans and leases to core deposits | 45.4028% | 5,581 |
| Total domestic deposits to total assets | 87.1866% | 1,817 |
| Equity capital to assets | 12.4212% | 1,827 |
| Core capital (leverage) ratio | 11.8264% | 1,746 |
| Tier 1 risk-based capital ratio | 26.6024% | 681 |
| Total risk-based capital ratio | 27.8565% | 667 |
| Memoranda: | ||
| Average total assets | $76,868,330 | 4,878 |
| Average earning assets | $72,255,670 | 4,836 |
| Average equity | $9,364,670 | 4,762 |
| Average total loans | $28,830,330 | 5,339 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6184% | 4,572 |
| Cost of funding earning assets | 1.0547% | 120 |
| Net interest margin | 2.5637% | 5,755 |
| Noninterest income to average assets | 0.0631% | 5,927 |
| Noninterest expense to average assets | 1.9413% | 5,457 |
| Loan and lease loss provision to assets | 0.2631% | 647 |
| Net operating income to assets | 0.2414% | 5,448 |
| Return on assets (ROA) | 0.6576% | 4,062 |
| Pretax return on assets | 0.7155% | 4,476 |
| Return on Equity (ROE) | 5.4532% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.4532% | 2,683 |
| Net charge-offs to loans | -0.2873% | 5,925 |
| Credit loss provision to net charge-offs | -238.0952% | 4,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6780% | 1,804 |
| Assets per employee ($millions) | 10.8014% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0489% | 756 |
| Loan loss allowance to noncurrent loans | 64.4693% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.4111% | 635 |
| Noncurrent loans to loans | 3.1780% | 482 |
| Net loans and leases to total assets | 36.4833% | 5,612 |
| Net loans and leases to deposits | 41.7531% | 5,659 |
| Net loans and leases to core deposits | 47.5333% | 5,531 |
| Total domestic deposits to total assets | 87.3787% | 2,011 |
| Equity capital to assets | 12.2814% | 1,842 |
| Core capital (leverage) ratio | 12.0077% | 1,597 |
| Tier 1 risk-based capital ratio | 26.1109% | 730 |
| Total risk-based capital ratio | 27.3662% | 711 |
| Memoranda: | ||
| Average total assets | $76,031,000 | 4,940 |
| Average earning assets | $71,303,000 | 4,890 |
| Average equity | $9,169,000 | 4,825 |
| Average total loans | $29,242,000 | 5,367 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6478% | 4,531 |
| Cost of funding earning assets | 1.0409% | 137 |
| Net interest margin | 2.6069% | 5,751 |
| Noninterest income to average assets | 0.0718% | 5,943 |
| Noninterest expense to average assets | 2.3142% | 4,742 |
| Loan and lease loss provision to assets | 0.1923% | 1,146 |
| Net operating income to assets | 0.1205% | 5,727 |
| Return on assets (ROA) | 0.3885% | 5,169 |
| Pretax return on assets | 0.3154% | 5,494 |
| Return on Equity (ROE) | 3.4141% | 5,162 |
| Retained earnings to average equity (ytd only) | 2.1408% | 4,499 |
| Net charge-offs to loans | 1.1032% | 174 |
| Credit loss provision to net charge-offs | 41.7827% | 3,509 |
| Earnings coverage of net charge-offs (x) | 0.5209% | 4,214 |
| Efficiency ratio | 90.6124% | 657 |
| Assets per employee ($millions) | 10.9217% | 206 |
| Cash dividends to net income (ytd only)* | 37.2937% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 1,422 |
| Loan loss allowance to noncurrent loans | 28.1737% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 3.5630% | 328 |
| Noncurrent loans to loans | 5.9231% | 146 |
| Net loans and leases to total assets | 38.9996% | 5,575 |
| Net loans and leases to deposits | 44.3922% | 5,641 |
| Net loans and leases to core deposits | 50.1885% | 5,491 |
| Total domestic deposits to total assets | 87.8525% | 1,716 |
| Equity capital to assets | 11.8401% | 2,082 |
| Core capital (leverage) ratio | 12.0339% | 1,600 |
| Tier 1 risk-based capital ratio | 24.0934% | 917 |
| Total risk-based capital ratio | 25.3446% | 898 |
| Memoranda: | ||
| Average total assets | $77,996,200 | 4,912 |
| Average earning assets | $74,264,600 | 4,851 |
| Average equity | $8,875,000 | 4,876 |
| Average total loans | $32,542,200 | 5,275 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6539% | 4,565 |
| Cost of funding earning assets | 1.0412% | 139 |
| Net interest margin | 2.6127% | 5,824 |
| Noninterest income to average assets | 0.0765% | 6,023 |
| Noninterest expense to average assets | 2.3117% | 4,750 |
| Loan and lease loss provision to assets | 0.1701% | 1,241 |
| Net operating income to assets | 0.1378% | 5,796 |
| Return on assets (ROA) | 0.4389% | 5,105 |
| Pretax return on assets | 0.3929% | 5,473 |
| Return on Equity (ROE) | 3.8954% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.8954% | 3,699 |
| Net charge-offs to loans | 1.4945% | 94 |
| Credit loss provision to net charge-offs | 26.9542% | 3,305 |
| Earnings coverage of net charge-offs (x) | 0.4151% | 3,954 |
| Efficiency ratio | 89.8215% | 716 |
| Assets per employee ($millions) | 10.8031% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 2,421 |
| Loan loss allowance to noncurrent loans | 24.8600% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 3.5889% | 350 |
| Noncurrent loans to loans | 5.7805% | 148 |
| Net loans and leases to total assets | 40.2700% | 5,576 |
| Net loans and leases to deposits | 45.8388% | 5,656 |
| Net loans and leases to core deposits | 52.1697% | 5,494 |
| Total domestic deposits to total assets | 87.8514% | 1,634 |
| Equity capital to assets | 11.8220% | 2,243 |
| Core capital (leverage) ratio | 11.9004% | 1,742 |
| Tier 1 risk-based capital ratio | 20.8911% | 1,357 |
| Total risk-based capital ratio | 21.9109% | 1,377 |
| Memoranda: | ||
| Average total assets | $78,382,250 | 4,959 |
| Average earning assets | $74,913,000 | 4,896 |
| Average equity | $8,830,750 | 4,946 |
| Average total loans | $33,097,250 | 5,320 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6341% | 4,624 |
| Cost of funding earning assets | 1.0282% | 151 |
| Net interest margin | 2.6059% | 5,878 |
| Noninterest income to average assets | 0.0656% | 6,127 |
| Noninterest expense to average assets | 2.2118% | 5,083 |
| Loan and lease loss provision to assets | 0.2522% | 689 |
| Net operating income to assets | 0.1412% | 5,827 |
| Return on assets (ROA) | 0.4363% | 5,115 |
| Pretax return on assets | 0.3960% | 5,474 |
| Return on Equity (ROE) | 3.9344% | 5,042 |
| Retained earnings to average equity (ytd only) | 3.9344% | 3,506 |
| Net charge-offs to loans | 0.0887% | 2,150 |
| Credit loss provision to net charge-offs | 666.6667% | 501 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,463 |
| Efficiency ratio | 86.2340% | 1,042 |
| Assets per employee ($millions) | 11.1049% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4286% | 528 |
| Loan loss allowance to noncurrent loans | 25.5346% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 4.0304% | 331 |
| Noncurrent loans to loans | 9.5109% | 59 |
| Net loans and leases to total assets | 41.3474% | 5,545 |
| Net loans and leases to deposits | 46.5737% | 5,646 |
| Net loans and leases to core deposits | 52.7265% | 5,501 |
| Total domestic deposits to total assets | 88.7784% | 1,254 |
| Equity capital to assets | 10.9553% | 2,930 |
| Core capital (leverage) ratio | 11.5286% | 1,968 |
| Tier 1 risk-based capital ratio | 20.5830% | 1,434 |
| Total risk-based capital ratio | 21.8398% | 1,410 |
| Memoranda: | ||
| Average total assets | $79,302,330 | 4,994 |
| Average earning assets | $76,058,330 | 4,920 |
| Average equity | $8,794,330 | 4,991 |
| Average total loans | $33,830,670 | 5,331 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6779% | 4,443 |
| Cost of funding earning assets | 1.0182% | 164 |
| Net interest margin | 2.6597% | 5,848 |
| Noninterest income to average assets | 0.0649% | 6,191 |
| Noninterest expense to average assets | 2.2076% | 5,121 |
| Loan and lease loss provision to assets | 0.1498% | 1,360 |
| Net operating income to assets | 0.2521% | 5,559 |
| Return on assets (ROA) | 0.5494% | 4,598 |
| Pretax return on assets | 0.5744% | 4,985 |
| Return on Equity (ROE) | 4.9253% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.9253% | 3,097 |
| Net charge-offs to loans | -0.0117% | 4,785 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1905% | 1,360 |
| Assets per employee ($millions) | 9.8554% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2286% | 774 |
| Loan loss allowance to noncurrent loans | 24.1580% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 3.9166% | 388 |
| Noncurrent loans to loans | 9.2251% | 74 |
| Net loans and leases to total assets | 41.5103% | 5,516 |
| Net loans and leases to deposits | 47.0291% | 5,618 |
| Net loans and leases to core deposits | 53.1592% | 5,415 |
| Total domestic deposits to total assets | 88.2653% | 1,678 |
| Equity capital to assets | 11.5533% | 2,417 |
| Core capital (leverage) ratio | 11.3728% | 2,103 |
| Tier 1 risk-based capital ratio | 22.6226% | 1,152 |
| Total risk-based capital ratio | 23.8782% | 1,140 |
| Memoranda: | ||
| Average total assets | $80,086,500 | 5,022 |
| Average earning assets | $77,001,000 | 4,941 |
| Average equity | $8,933,500 | 5,009 |
| Average total loans | $34,275,500 | 5,359 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 4,390 |
| Cost of funding earning assets | 1.0642% | 171 |
| Net interest margin | 2.7655% | 5,858 |
| Noninterest income to average assets | 0.1243% | 6,071 |
| Noninterest expense to average assets | 2.1796% | 5,387 |
| Loan and lease loss provision to assets | 0.1002% | 2,485 |
| Net operating income to assets | 0.4264% | 5,129 |
| Return on assets (ROA) | 0.5760% | 4,563 |
| Pretax return on assets | 0.6308% | 4,841 |
| Return on Equity (ROE) | 5.5437% | 4,385 |
| Retained earnings to average equity (ytd only) | 4.0902% | 3,290 |
| Net charge-offs to loans | 0.0448% | 3,931 |
| Credit loss provision to net charge-offs | 500.0000% | 518 |
| Earnings coverage of net charge-offs (x) | 28.2667% | 1,400 |
| Efficiency ratio | 79.3674% | 2,017 |
| Assets per employee ($millions) | 10.1663% | 237 |
| Cash dividends to net income (ytd only)* | 26.2181% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0384% | 1,044 |
| Loan loss allowance to noncurrent loans | 25.2829% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 3.4772% | 535 |
| Noncurrent loans to loans | 8.0623% | 111 |
| Net loans and leases to total assets | 42.2501% | 5,600 |
| Net loans and leases to deposits | 47.4679% | 5,716 |
| Net loans and leases to core deposits | 53.6077% | 5,522 |
| Total domestic deposits to total assets | 89.0077% | 1,228 |
| Equity capital to assets | 10.7685% | 3,160 |
| Core capital (leverage) ratio | 11.3562% | 2,086 |
| Tier 1 risk-based capital ratio | 21.1008% | 1,382 |
| Total risk-based capital ratio | 22.3553% | 1,353 |
| Memoranda: | ||
| Average total assets | $74,831,000 | 5,176 |
| Average earning assets | $70,944,400 | 5,103 |
| Average equity | $7,774,600 | 5,252 |
| Average total loans | $33,480,800 | 5,423 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8513% | 4,368 |
| Cost of funding earning assets | 1.0742% | 167 |
| Net interest margin | 2.7771% | 5,901 |
| Noninterest income to average assets | 0.1439% | 6,053 |
| Noninterest expense to average assets | 2.2966% | 5,119 |
| Loan and lease loss provision to assets | 0.1366% | 1,829 |
| Net operating income to assets | 0.3442% | 5,449 |
| Return on assets (ROA) | 0.4735% | 5,059 |
| Pretax return on assets | 0.4626% | 5,424 |
| Return on Equity (ROE) | 4.6045% | 4,905 |
| Retained earnings to average equity (ytd only) | 4.6045% | 3,358 |
| Net charge-offs to loans | 0.0484% | 3,534 |
| Credit loss provision to net charge-offs | 625.0000% | 476 |
| Earnings coverage of net charge-offs (x) | 21.4994% | 1,674 |
| Efficiency ratio | 83.0151% | 1,493 |
| Assets per employee ($millions) | 9.8384% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1278% | 1,051 |
| Loan loss allowance to noncurrent loans | 30.7363% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 2.9680% | 798 |
| Noncurrent loans to loans | 6.9229% | 172 |
| Net loans and leases to total assets | 41.9594% | 5,675 |
| Net loans and leases to deposits | 46.9993% | 5,819 |
| Net loans and leases to core deposits | 52.0891% | 5,679 |
| Total domestic deposits to total assets | 89.2767% | 1,090 |
| Equity capital to assets | 10.4603% | 3,612 |
| Core capital (leverage) ratio | 11.1431% | 2,355 |
| Tier 1 risk-based capital ratio | 20.0982% | 1,648 |
| Total risk-based capital ratio | 21.3539% | 1,615 |
| Memoranda: | ||
| Average total assets | $73,206,250 | 5,259 |
| Average earning assets | $69,134,500 | 5,203 |
| Average equity | $7,528,750 | 5,349 |
| Average total loans | $33,081,750 | 5,486 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 3,834 |
| Cost of funding earning assets | 1.0685% | 175 |
| Net interest margin | 2.9078% | 5,721 |
| Noninterest income to average assets | 0.1625% | 5,978 |
| Noninterest expense to average assets | 2.3258% | 5,092 |
| Loan and lease loss provision to assets | 0.2102% | 1,128 |
| Net operating income to assets | 0.3602% | 5,374 |
| Return on assets (ROA) | 0.5156% | 4,840 |
| Pretax return on assets | 0.5212% | 5,219 |
| Return on Equity (ROE) | 5.0452% | 4,649 |
| Retained earnings to average equity (ytd only) | 5.0452% | 2,935 |
| Net charge-offs to loans | 0.0974% | 2,701 |
| Credit loss provision to net charge-offs | 468.7500% | 617 |
| Earnings coverage of net charge-offs (x) | 12.8125% | 2,032 |
| Efficiency ratio | 80.1932% | 1,996 |
| Assets per employee ($millions) | 8.0101% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1345% | 1,115 |
| Loan loss allowance to noncurrent loans | 67.6777% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.4634% | 2,226 |
| Noncurrent loans to loans | 3.1540% | 901 |
| Net loans and leases to total assets | 45.4093% | 5,424 |
| Net loans and leases to deposits | 51.1828% | 5,548 |
| Net loans and leases to core deposits | 57.9101% | 5,278 |
| Total domestic deposits to total assets | 88.7198% | 1,520 |
| Equity capital to assets | 11.0000% | 2,873 |
| Core capital (leverage) ratio | 11.6187% | 1,911 |
| Tier 1 risk-based capital ratio | 20.1800% | 1,643 |
| Total risk-based capital ratio | 21.4363% | 1,612 |
| Memoranda: | ||
| Average total assets | $71,372,670 | 5,351 |
| Average earning assets | $67,199,330 | 5,291 |
| Average equity | $7,294,000 | 5,413 |
| Average total loans | $32,861,330 | 5,536 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9863% | 3,745 |
| Cost of funding earning assets | 1.0855% | 171 |
| Net interest margin | 2.9008% | 5,752 |
| Noninterest income to average assets | 0.1352% | 6,171 |
| Noninterest expense to average assets | 2.2813% | 5,245 |
| Loan and lease loss provision to assets | 0.2816% | 723 |
| Net operating income to assets | 0.3718% | 5,224 |
| Return on assets (ROA) | 0.3718% | 5,291 |
| Pretax return on assets | 0.2816% | 5,763 |
| Return on Equity (ROE) | 3.7844% | 5,138 |
| Retained earnings to average equity (ytd only) | 3.7844% | 3,858 |
| Net charge-offs to loans | -0.0737% | 5,983 |
| Credit loss provision to net charge-offs | -833.3333% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1980% | 2,182 |
| Assets per employee ($millions) | 8.9334% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1785% | 1,195 |
| Loan loss allowance to noncurrent loans | 67.2023% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 1.4804% | 2,385 |
| Noncurrent loans to loans | 3.2417% | 949 |
| Net loans and leases to total assets | 44.6724% | 5,453 |
| Net loans and leases to deposits | 49.9249% | 5,604 |
| Net loans and leases to core deposits | 56.4612% | 5,323 |
| Total domestic deposits to total assets | 89.4791% | 1,377 |
| Equity capital to assets | 10.2551% | 3,531 |
| Core capital (leverage) ratio | 10.9264% | 2,461 |
| Tier 1 risk-based capital ratio | 18.9255% | 1,984 |
| Total risk-based capital ratio | 20.1828% | 1,947 |
| Memoranda: | ||
| Average total assets | $71,013,500 | 5,408 |
| Average earning assets | $66,326,500 | 5,366 |
| Average equity | $6,976,000 | 5,527 |
| Average total loans | $32,567,000 | 5,606 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9972% | 4,088 |
| Cost of funding earning assets | 1.0851% | 308 |
| Net interest margin | 2.9122% | 5,768 |
| Noninterest income to average assets | 0.3096% | 5,119 |
| Noninterest expense to average assets | 2.3631% | 5,193 |
| Loan and lease loss provision to assets | 0.2741% | 1,283 |
| Net operating income to assets | 0.3629% | 5,285 |
| Return on assets (ROA) | 0.7200% | 3,786 |
| Pretax return on assets | 0.8756% | 3,868 |
| Return on Equity (ROE) | 6.3771% | 3,883 |
| Retained earnings to average equity (ytd only) | 3.4379% | 3,789 |
| Net charge-offs to loans | 0.2889% | 2,244 |
| Credit loss provision to net charge-offs | 212.6437% | 1,084 |
| Earnings coverage of net charge-offs (x) | 5.5402% | 3,274 |
| Efficiency ratio | 76.7935% | 2,656 |
| Assets per employee ($millions) | 8.8200% | 355 |
| Cash dividends to net income (ytd only)* | 46.0905% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0156% | 1,511 |
| Loan loss allowance to noncurrent loans | 74.2630% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.2500% | 2,915 |
| Noncurrent loans to loans | 2.7141% | 1,339 |
| Net loans and leases to total assets | 45.1276% | 5,569 |
| Net loans and leases to deposits | 49.9655% | 5,773 |
| Net loans and leases to core deposits | 56.5055% | 5,495 |
| Total domestic deposits to total assets | 90.3175% | 909 |
| Equity capital to assets | 9.3863% | 4,562 |
| Core capital (leverage) ratio | 10.4730% | 2,946 |
| Tier 1 risk-based capital ratio | 18.0484% | 2,235 |
| Total risk-based capital ratio | 19.3023% | 2,197 |
| Memoranda: | ||
| Average total assets | $67,496,000 | 5,552 |
| Average earning assets | $64,144,200 | 5,460 |
| Average equity | $7,621,000 | 5,433 |
| Average total loans | $30,115,800 | 5,758 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 4,219 |
| Cost of funding earning assets | 1.0748% | 351 |
| Net interest margin | 2.9023% | 5,811 |
| Noninterest income to average assets | 0.3517% | 4,878 |
| Noninterest expense to average assets | 2.3797% | 5,081 |
| Loan and lease loss provision to assets | 0.3696% | 849 |
| Net operating income to assets | 0.3074% | 5,594 |
| Return on assets (ROA) | 0.7832% | 3,563 |
| Pretax return on assets | 0.9631% | 3,636 |
| Return on Equity (ROE) | 6.6406% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.6406% | 2,064 |
| Net charge-offs to loans | 0.1807% | 2,780 |
| Credit loss provision to net charge-offs | 462.5000% | 579 |
| Earnings coverage of net charge-offs (x) | 9.3253% | 2,497 |
| Efficiency ratio | 76.1509% | 2,714 |
| Assets per employee ($millions) | 8.7310% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2955% | 1,188 |
| Loan loss allowance to noncurrent loans | 78.0868% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.2871% | 3,070 |
| Noncurrent loans to loans | 2.9397% | 1,388 |
| Net loans and leases to total assets | 42.7772% | 5,839 |
| Net loans and leases to deposits | 47.6455% | 5,985 |
| Net loans and leases to core deposits | 53.9693% | 5,766 |
| Total domestic deposits to total assets | 89.7821% | 1,117 |
| Equity capital to assets | 9.9545% | 3,958 |
| Core capital (leverage) ratio | 11.2701% | 2,231 |
| Tier 1 risk-based capital ratio | 19.5130% | 1,857 |
| Total risk-based capital ratio | 20.7694% | 1,825 |
| Memoranda: | ||
| Average total assets | $66,730,000 | 5,629 |
| Average earning assets | $63,764,750 | 5,532 |
| Average equity | $7,870,500 | 5,425 |
| Average total loans | $29,520,500 | 5,842 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9854% | 4,165 |
| Cost of funding earning assets | 1.0693% | 388 |
| Net interest margin | 2.9161% | 5,764 |
| Noninterest income to average assets | 0.3227% | 5,127 |
| Noninterest expense to average assets | 2.4265% | 4,976 |
| Loan and lease loss provision to assets | 0.3806% | 843 |
| Net operating income to assets | 0.2516% | 5,774 |
| Return on assets (ROA) | 0.8890% | 2,999 |
| Pretax return on assets | 1.1204% | 3,012 |
| Return on Equity (ROE) | 7.1426% | 3,521 |
| Retained earnings to average equity (ytd only) | 7.1426% | 1,822 |
| Net charge-offs to loans | 0.3223% | 1,892 |
| Credit loss provision to net charge-offs | 265.9574% | 950 |
| Earnings coverage of net charge-offs (x) | 4.8511% | 3,020 |
| Efficiency ratio | 77.7561% | 2,501 |
| Assets per employee ($millions) | 8.2900% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1096% | 1,614 |
| Loan loss allowance to noncurrent loans | 115.4545% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 4,163 |
| Noncurrent loans to loans | 1.8272% | 2,598 |
| Net loans and leases to total assets | 44.4285% | 5,702 |
| Net loans and leases to deposits | 50.2122% | 5,822 |
| Net loans and leases to core deposits | 57.0983% | 5,515 |
| Total domestic deposits to total assets | 88.4816% | 1,927 |
| Equity capital to assets | 11.2802% | 2,490 |
| Core capital (leverage) ratio | 11.8491% | 1,698 |
| Tier 1 risk-based capital ratio | 21.3698% | 1,404 |
| Total risk-based capital ratio | 22.6248% | 1,380 |
| Memoranda: | ||
| Average total assets | $65,690,670 | 5,699 |
| Average earning assets | $63,030,330 | 5,594 |
| Average equity | $8,176,330 | 5,385 |
| Average total loans | $29,167,000 | 5,884 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9800% | 4,197 |
| Cost of funding earning assets | 1.0457% | 482 |
| Net interest margin | 2.9343% | 5,749 |
| Noninterest income to average assets | 0.2814% | 5,446 |
| Noninterest expense to average assets | 2.5330% | 4,642 |
| Loan and lease loss provision to assets | 0.4589% | 612 |
| Net operating income to assets | 0.0964% | 6,156 |
| Return on assets (ROA) | 1.0952% | 1,985 |
| Pretax return on assets | 1.4195% | 1,801 |
| Return on Equity (ROE) | 8.3998% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.3998% | 1,604 |
| Net charge-offs to loans | 0.6690% | 915 |
| Credit loss provision to net charge-offs | 156.2500% | 1,319 |
| Earnings coverage of net charge-offs (x) | 1.9792% | 3,177 |
| Efficiency ratio | 81.3360% | 2,143 |
| Assets per employee ($millions) | 8.2361% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0094% | 2,020 |
| Loan loss allowance to noncurrent loans | 105.9891% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.8363% | 4,291 |
| Noncurrent loans to loans | 1.8958% | 2,744 |
| Net loans and leases to total assets | 43.2242% | 5,739 |
| Net loans and leases to deposits | 49.7493% | 5,807 |
| Net loans and leases to core deposits | 57.0319% | 5,431 |
| Total domestic deposits to total assets | 86.8840% | 3,030 |
| Equity capital to assets | 12.8808% | 1,480 |
| Core capital (leverage) ratio | 12.9958% | 1,115 |
| Tier 1 risk-based capital ratio | 24.4823% | 958 |
| Total risk-based capital ratio | 25.6260% | 955 |
| Memoranda: | ||
| Average total assets | $65,376,000 | 5,757 |
| Average earning assets | $63,116,000 | 5,643 |
| Average equity | $8,524,000 | 5,353 |
| Average total loans | $28,700,500 | 5,948 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0960% | 4,963 |
| Cost of funding earning assets | 1.1323% | 796 |
| Net interest margin | 2.9637% | 6,112 |
| Noninterest income to average assets | 0.4104% | 4,523 |
| Noninterest expense to average assets | 2.6594% | 4,544 |
| Loan and lease loss provision to assets | 0.3337% | 2,029 |
| Net operating income to assets | 0.2277% | 5,708 |
| Return on assets (ROA) | 1.0277% | 2,430 |
| Pretax return on assets | 1.2947% | 2,429 |
| Return on Equity (ROE) | 7.2803% | 3,475 |
| Retained earnings to average equity (ytd only) | 4.6329% | 2,961 |
| Net charge-offs to loans | -0.0187% | 6,541 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2022% | 1,984 |
| Assets per employee ($millions) | 8.1079% | 480 |
| Cash dividends to net income (ytd only)* | 36.3636% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9656% | 2,116 |
| Loan loss allowance to noncurrent loans | 101.2727% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.8479% | 4,355 |
| Noncurrent loans to loans | 1.9409% | 2,755 |
| Net loans and leases to total assets | 42.8287% | 5,912 |
| Net loans and leases to deposits | 49.5408% | 5,987 |
| Net loans and leases to core deposits | 57.5823% | 5,586 |
| Total domestic deposits to total assets | 86.4514% | 3,124 |
| Equity capital to assets | 13.1986% | 1,354 |
| Core capital (leverage) ratio | 12.9081% | 1,145 |
| Tier 1 risk-based capital ratio | 24.4318% | 916 |
| Total risk-based capital ratio | 25.6860% | 897 |
| Memoranda: | ||
| Average total assets | $59,937,800 | 5,924 |
| Average earning assets | $57,934,800 | 5,817 |
| Average equity | $8,461,200 | 5,371 |
| Average total loans | $26,769,800 | 6,096 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0569% | 5,339 |
| Cost of funding earning assets | 1.1397% | 902 |
| Net interest margin | 2.9172% | 6,323 |
| Noninterest income to average assets | 0.4179% | 4,494 |
| Noninterest expense to average assets | 2.6504% | 4,561 |
| Loan and lease loss provision to assets | 0.1703% | 3,425 |
| Net operating income to assets | 0.3508% | 5,428 |
| Return on assets (ROA) | 0.9879% | 2,798 |
| Pretax return on assets | 1.1901% | 3,022 |
| Return on Equity (ROE) | 6.8750% | 3,877 |
| Retained earnings to average equity (ytd only) | 6.8750% | 2,194 |
| Net charge-offs to loans | -0.0253% | 6,547 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7227% | 1,838 |
| Assets per employee ($millions) | 7.9295% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 3,426 |
| Loan loss allowance to noncurrent loans | 78.5455% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.8670% | 4,557 |
| Noncurrent loans to loans | 2.0709% | 2,771 |
| Net loans and leases to total assets | 41.1864% | 6,186 |
| Net loans and leases to deposits | 47.9799% | 6,259 |
| Net loans and leases to core deposits | 56.0016% | 5,886 |
| Total domestic deposits to total assets | 85.8408% | 3,341 |
| Equity capital to assets | 13.7714% | 1,245 |
| Core capital (leverage) ratio | 13.4721% | 1,022 |
| Tier 1 risk-based capital ratio | 26.1506% | 812 |
| Total risk-based capital ratio | 27.4016% | 794 |
| Memoranda: | ||
| Average total assets | $58,706,500 | 6,019 |
| Average earning assets | $56,856,750 | 5,910 |
| Average equity | $8,436,250 | 5,428 |
| Average total loans | $26,378,000 | 6,196 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1112% | 5,283 |
| Cost of funding earning assets | 1.1581% | 987 |
| Net interest margin | 2.9532% | 6,331 |
| Noninterest income to average assets | 0.3186% | 5,272 |
| Noninterest expense to average assets | 2.7341% | 4,272 |
| Loan and lease loss provision to assets | 0.1750% | 3,351 |
| Net operating income to assets | 0.2518% | 5,762 |
| Return on assets (ROA) | 0.7492% | 3,884 |
| Pretax return on assets | 0.7842% | 4,529 |
| Return on Equity (ROE) | 5.1342% | 4,739 |
| Retained earnings to average equity (ytd only) | 5.1342% | 3,196 |
| Net charge-offs to loans | -0.0304% | 6,527 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1080% | 1,424 |
| Assets per employee ($millions) | 7.5353% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 3,936 |
| Loan loss allowance to noncurrent loans | 73.8182% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 4,545 |
| Noncurrent loans to loans | 2.0545% | 2,884 |
| Net loans and leases to total assets | 43.7344% | 6,043 |
| Net loans and leases to deposits | 51.0376% | 6,104 |
| Net loans and leases to core deposits | 59.7227% | 5,618 |
| Total domestic deposits to total assets | 85.6906% | 3,512 |
| Equity capital to assets | 14.0855% | 1,060 |
| Core capital (leverage) ratio | 13.7206% | 895 |
| Tier 1 risk-based capital ratio | 25.7247% | 831 |
| Total risk-based capital ratio | 26.9761% | 819 |
| Memoranda: | ||
| Average total assets | $57,130,000 | 6,106 |
| Average earning assets | $55,263,000 | 5,985 |
| Average equity | $8,336,330 | 5,468 |
| Average total loans | $26,317,670 | 6,240 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 5,132 |
| Cost of funding earning assets | 1.1786% | 1,070 |
| Net interest margin | 3.0137% | 6,264 |
| Noninterest income to average assets | 0.3024% | 5,457 |
| Noninterest expense to average assets | 2.8585% | 3,790 |
| Loan and lease loss provision to assets | 0.1800% | 3,173 |
| Net operating income to assets | 0.2304% | 5,886 |
| Return on assets (ROA) | 0.6192% | 4,473 |
| Pretax return on assets | 0.5616% | 5,233 |
| Return on Equity (ROE) | 4.1652% | 5,217 |
| Retained earnings to average equity (ytd only) | 4.1652% | 4,093 |
| Net charge-offs to loans | -0.0613% | 6,615 |
| Credit loss provision to net charge-offs | -625.0000% | 5,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0135% | 1,173 |
| Assets per employee ($millions) | 7.1618% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 4,234 |
| Loan loss allowance to noncurrent loans | 69.2727% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 0.9600% | 4,585 |
| Noncurrent loans to loans | 2.1461% | 2,971 |
| Net loans and leases to total assets | 44.0657% | 6,003 |
| Net loans and leases to deposits | 51.6056% | 6,016 |
| Net loans and leases to core deposits | 60.9228% | 5,441 |
| Total domestic deposits to total assets | 85.3894% | 3,842 |
| Equity capital to assets | 14.4308% | 881 |
| Core capital (leverage) ratio | 14.3733% | 714 |
| Tier 1 risk-based capital ratio | 27.1028% | 720 |
| Total risk-based capital ratio | 28.3544% | 702 |
| Memoranda: | ||
| Average total assets | $55,554,000 | 6,188 |
| Average earning assets | $53,621,500 | 6,078 |
| Average equity | $8,259,000 | 5,512 |
| Average total loans | $26,091,500 | 6,304 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 4,583 |
| Cost of funding earning assets | 1.2824% | 1,568 |
| Net interest margin | 3.3387% | 5,688 |
| Noninterest income to average assets | 0.4827% | 3,976 |
| Noninterest expense to average assets | 2.7276% | 4,631 |
| Loan and lease loss provision to assets | 1.1054% | 817 |
| Net operating income to assets | -0.0170% | 6,066 |
| Return on assets (ROA) | 0.5281% | 4,513 |
| Pretax return on assets | 0.3634% | 5,395 |
| Return on Equity (ROE) | 3.5001% | 5,073 |
| Retained earnings to average equity (ytd only) | 2.0950% | 4,720 |
| Net charge-offs to loans | 2.4006% | 500 |
| Credit loss provision to net charge-offs | 92.2591% | 3,910 |
| Earnings coverage of net charge-offs (x) | 0.7709% | 5,221 |
| Efficiency ratio | 74.7019% | 3,103 |
| Assets per employee ($millions) | 6.7268% | 848 |
| Cash dividends to net income (ytd only)* | 40.1434% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 4,782 |
| Loan loss allowance to noncurrent loans | 64.0000% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0220% | 4,573 |
| Noncurrent loans to loans | 2.0712% | 3,109 |
| Net loans and leases to total assets | 48.6918% | 5,753 |
| Net loans and leases to deposits | 57.6841% | 5,729 |
| Net loans and leases to core deposits | 68.5530% | 4,961 |
| Total domestic deposits to total assets | 84.4111% | 4,131 |
| Equity capital to assets | 15.3306% | 714 |
| Core capital (leverage) ratio | 14.8250% | 641 |
| Tier 1 risk-based capital ratio | 26.4620% | 741 |
| Total risk-based capital ratio | 27.6403% | 738 |
| Memoranda: | ||
| Average total assets | $52,830,800 | 6,268 |
| Average earning assets | $50,139,600 | 6,187 |
| Average equity | $7,971,200 | 5,577 |
| Average total loans | $26,368,600 | 6,333 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 4,298 |
| Cost of funding earning assets | 1.3106% | 1,645 |
| Net interest margin | 3.4253% | 5,488 |
| Noninterest income to average assets | 0.5071% | 3,817 |
| Noninterest expense to average assets | 2.7155% | 4,673 |
| Loan and lease loss provision to assets | 1.4807% | 470 |
| Net operating income to assets | -0.2536% | 6,441 |
| Return on assets (ROA) | 0.4285% | 5,056 |
| Pretax return on assets | 0.2333% | 5,833 |
| Return on Equity (ROE) | 2.8517% | 5,481 |
| Retained earnings to average equity (ytd only) | 2.8517% | 4,647 |
| Net charge-offs to loans | 3.2064% | 278 |
| Credit loss provision to net charge-offs | 92.2591% | 3,699 |
| Earnings coverage of net charge-offs (x) | 0.6430% | 5,142 |
| Efficiency ratio | 72.4628% | 3,461 |
| Assets per employee ($millions) | 7.5974% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 4,563 |
| Loan loss allowance to noncurrent loans | 64.0000% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.0342% | 4,692 |
| Noncurrent loans to loans | 2.1875% | 3,128 |
| Net loans and leases to total assets | 46.6154% | 6,094 |
| Net loans and leases to deposits | 55.4150% | 6,078 |
| Net loans and leases to core deposits | 65.5604% | 5,461 |
| Total domestic deposits to total assets | 84.1206% | 4,176 |
| Equity capital to assets | 15.4752% | 729 |
| Core capital (leverage) ratio | 14.8254% | 700 |
| Tier 1 risk-based capital ratio | 27.5630% | 695 |
| Total risk-based capital ratio | 28.7900% | 679 |
| Memoranda: | ||
| Average total assets | $52,585,000 | 6,334 |
| Average earning assets | $49,747,000 | 6,254 |
| Average equity | $7,901,500 | 5,632 |
| Average total loans | $26,322,000 | 6,398 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 3,749 |
| Cost of funding earning assets | 1.3453% | 1,673 |
| Net interest margin | 3.5269% | 5,031 |
| Noninterest income to average assets | 0.5421% | 3,538 |
| Noninterest expense to average assets | 2.6496% | 5,009 |
| Loan and lease loss provision to assets | 1.7333% | 389 |
| Net operating income to assets | 0.0916% | 6,034 |
| Return on assets (ROA) | 0.2138% | 5,810 |
| Pretax return on assets | -0.3169% | 6,543 |
| Return on Equity (ROE) | 1.4374% | 5,964 |
| Retained earnings to average equity (ytd only) | 1.4374% | 5,271 |
| Net charge-offs to loans | 3.3689% | 276 |
| Credit loss provision to net charge-offs | 100.8889% | 3,073 |
| Earnings coverage of net charge-offs (x) | 0.7133% | 4,757 |
| Efficiency ratio | 68.3744% | 4,445 |
| Assets per employee ($millions) | 7.6790% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 3,830 |
| Loan loss allowance to noncurrent loans | 56.8022% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 1.3264% | 4,247 |
| Noncurrent loans to loans | 2.7608% | 2,637 |
| Net loans and leases to total assets | 47.2922% | 6,122 |
| Net loans and leases to deposits | 55.7845% | 6,154 |
| Net loans and leases to core deposits | 64.6335% | 5,657 |
| Total domestic deposits to total assets | 84.7767% | 3,983 |
| Equity capital to assets | 14.9703% | 833 |
| Core capital (leverage) ratio | 15.0568% | 655 |
| Tier 1 risk-based capital ratio | 26.9511% | 729 |
| Total risk-based capital ratio | 28.0196% | 726 |
| Memoranda: | ||
| Average total assets | $52,386,000 | 6,396 |
| Average earning assets | $49,505,000 | 6,315 |
| Average equity | $7,792,000 | 5,677 |
| Average total loans | $26,715,000 | 6,437 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9817% | 3,187 |
| Cost of funding earning assets | 1.4021% | 1,599 |
| Net interest margin | 3.5796% | 4,662 |
| Noninterest income to average assets | 0.7427% | 2,301 |
| Noninterest expense to average assets | 2.7155% | 4,775 |
| Loan and lease loss provision to assets | 2.9322% | 161 |
| Net operating income to assets | -0.4410% | 6,768 |
| Return on assets (ROA) | -0.4410% | 6,779 |
| Pretax return on assets | -1.5473% | 7,176 |
| Return on Equity (ROE) | -2.9748% | 6,668 |
| Retained earnings to average equity (ytd only) | -2.9748% | 6,293 |
| Net charge-offs to loans | 6.6275% | 89 |
| Credit loss provision to net charge-offs | 84.2222% | 3,058 |
| Earnings coverage of net charge-offs (x) | 0.3978% | 4,323 |
| Efficiency ratio | 66.2264% | 4,996 |
| Assets per employee ($millions) | 6.4079% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 5,442 |
| Loan loss allowance to noncurrent loans | 46.8750% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 1.3733% | 4,230 |
| Noncurrent loans to loans | 2.6472% | 2,852 |
| Net loans and leases to total assets | 51.2338% | 5,681 |
| Net loans and leases to deposits | 60.3756% | 5,685 |
| Net loans and leases to core deposits | 70.4299% | 4,990 |
| Total domestic deposits to total assets | 84.8585% | 4,104 |
| Equity capital to assets | 14.9933% | 772 |
| Core capital (leverage) ratio | 14.6845% | 713 |
| Tier 1 risk-based capital ratio | 25.6358% | 820 |
| Total risk-based capital ratio | 26.7372% | 812 |
| Memoranda: | ||
| Average total assets | $51,702,500 | 6,471 |
| Average earning assets | $48,497,500 | 6,395 |
| Average equity | $7,664,500 | 5,720 |
| Average total loans | $27,159,500 | 6,461 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3792% | 2,772 |
| Cost of funding earning assets | 1.6930% | 1,636 |
| Net interest margin | 3.6862% | 4,410 |
| Noninterest income to average assets | 0.3465% | 5,326 |
| Noninterest expense to average assets | 2.7522% | 4,776 |
| Loan and lease loss provision to assets | 0.2956% | 4,434 |
| Net operating income to assets | 0.6675% | 3,355 |
| Return on assets (ROA) | 0.6675% | 3,498 |
| Pretax return on assets | 0.6401% | 4,199 |
| Return on Equity (ROE) | 4.3172% | 4,380 |
| Retained earnings to average equity (ytd only) | 1.4813% | 4,789 |
| Net charge-offs to loans | 0.1657% | 5,343 |
| Credit loss provision to net charge-offs | 328.2609% | 785 |
| Earnings coverage of net charge-offs (x) | 10.3913% | 1,711 |
| Efficiency ratio | 74.6285% | 3,271 |
| Assets per employee ($millions) | 6.5178% | 944 |
| Cash dividends to net income (ytd only)* | 65.6891% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 4,303 |
| Loan loss allowance to noncurrent loans | 41.3829% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 1.8584% | 3,544 |
| Noncurrent loans to loans | 3.4950% | 2,165 |
| Net loans and leases to total assets | 52.4031% | 5,862 |
| Net loans and leases to deposits | 61.5336% | 5,891 |
| Net loans and leases to core deposits | 70.2254% | 5,426 |
| Total domestic deposits to total assets | 85.1617% | 3,773 |
| Equity capital to assets | 14.6580% | 871 |
| Core capital (leverage) ratio | 15.0055% | 666 |
| Tier 1 risk-based capital ratio | 25.0113% | 846 |
| Total risk-based capital ratio | 26.2624% | 826 |
| Memoranda: | ||
| Average total assets | $51,086,800 | 6,493 |
| Average earning assets | $46,308,200 | 6,500 |
| Average equity | $7,898,600 | 5,752 |
| Average total loans | $27,754,200 | 6,511 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4405% | 2,689 |
| Cost of funding earning assets | 1.7389% | 1,682 |
| Net interest margin | 3.7016% | 4,391 |
| Noninterest income to average assets | 0.3515% | 5,357 |
| Noninterest expense to average assets | 2.8044% | 4,474 |
| Loan and lease loss provision to assets | 0.2125% | 4,939 |
| Net operating income to assets | 0.6113% | 3,827 |
| Return on assets (ROA) | 0.6113% | 3,999 |
| Pretax return on assets | 0.6742% | 4,329 |
| Return on Equity (ROE) | 3.9015% | 4,823 |
| Retained earnings to average equity (ytd only) | 3.9015% | 3,721 |
| Net charge-offs to loans | 0.2209% | 4,618 |
| Credit loss provision to net charge-offs | 176.0870% | 2,091 |
| Earnings coverage of net charge-offs (x) | 7.3481% | 2,348 |
| Efficiency ratio | 75.9773% | 2,955 |
| Assets per employee ($millions) | 6.6105% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 5,512 |
| Loan loss allowance to noncurrent loans | 34.1589% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 1.8323% | 3,700 |
| Noncurrent loans to loans | 3.5044% | 2,259 |
| Net loans and leases to total assets | 51.6602% | 6,144 |
| Net loans and leases to deposits | 61.6259% | 6,156 |
| Net loans and leases to core deposits | 69.8489% | 5,765 |
| Total domestic deposits to total assets | 83.8288% | 4,222 |
| Equity capital to assets | 15.6361% | 741 |
| Core capital (leverage) ratio | 14.8860% | 735 |
| Tier 1 risk-based capital ratio | 25.5489% | 811 |
| Total risk-based capital ratio | 26.6257% | 813 |
| Memoranda: | ||
| Average total assets | $50,823,000 | 6,581 |
| Average earning assets | $45,852,500 | 6,595 |
| Average equity | $7,962,500 | 5,802 |
| Average total loans | $27,761,500 | 6,603 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6565% | 1,920 |
| Cost of funding earning assets | 1.8067% | 1,617 |
| Net interest margin | 3.8498% | 3,676 |
| Noninterest income to average assets | 0.3431% | 5,401 |
| Noninterest expense to average assets | 2.8961% | 4,093 |
| Loan and lease loss provision to assets | 0.1396% | 5,500 |
| Net operating income to assets | 0.6782% | 3,494 |
| Return on assets (ROA) | 0.6782% | 3,640 |
| Pretax return on assets | 0.7500% | 4,065 |
| Return on Equity (ROE) | 4.3255% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.3255% | 3,326 |
| Net charge-offs to loans | 0.0072% | 6,259 |
| Credit loss provision to net charge-offs | 3,500.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 223.0000% | 152 |
| Efficiency ratio | 76.5016% | 2,982 |
| Assets per employee ($millions) | 5.7957% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 5,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 51.1455% | 6,290 |
| Net loans and leases to deposits | 60.6580% | 6,347 |
| Net loans and leases to core deposits | 69.2162% | 5,950 |
| Total domestic deposits to total assets | 84.3178% | 3,947 |
| Equity capital to assets | 15.4081% | 794 |
| Core capital (leverage) ratio | 15.1978% | 685 |
| Tier 1 risk-based capital ratio | 26.4496% | 737 |
| Total risk-based capital ratio | 27.5699% | 740 |
| Memoranda: | ||
| Average total assets | $50,136,000 | 6,641 |
| Average earning assets | $44,833,330 | 6,666 |
| Average equity | $7,860,330 | 5,853 |
| Average total loans | $27,798,330 | 6,645 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5873% | 2,204 |
| Cost of funding earning assets | 1.8624% | 1,599 |
| Net interest margin | 3.7249% | 4,123 |
| Noninterest income to average assets | 0.3257% | 5,544 |
| Noninterest expense to average assets | 2.9802% | 3,749 |
| Loan and lease loss provision to assets | 0.1221% | 5,360 |
| Net operating income to assets | 0.5944% | 3,913 |
| Return on assets (ROA) | 0.5944% | 4,059 |
| Pretax return on assets | 0.5781% | 4,693 |
| Return on Equity (ROE) | 3.7571% | 5,008 |
| Retained earnings to average equity (ytd only) | 3.7571% | 3,898 |
| Net charge-offs to loans | 0.0142% | 5,388 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 373 |
| Efficiency ratio | 80.9735% | 2,414 |
| Assets per employee ($millions) | 5.5600% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 5,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 55.5056% | 5,816 |
| Net loans and leases to deposits | 65.9112% | 5,834 |
| Net loans and leases to core deposits | 74.6058% | 5,438 |
| Total domestic deposits to total assets | 84.2126% | 4,042 |
| Equity capital to assets | 15.6435% | 731 |
| Core capital (leverage) ratio | 15.8652% | 605 |
| Tier 1 risk-based capital ratio | 25.5811% | 805 |
| Total risk-based capital ratio | 26.6149% | 806 |
| Memoranda: | ||
| Average total assets | $49,123,500 | 6,760 |
| Average earning assets | $44,243,000 | 6,767 |
| Average equity | $7,772,000 | 5,922 |
| Average total loans | $28,193,500 | 6,704 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8284% | 2,535 |
| Cost of funding earning assets | 2.2622% | 1,793 |
| Net interest margin | 3.5661% | 4,672 |
| Noninterest income to average assets | 0.2738% | 6,153 |
| Noninterest expense to average assets | 3.0929% | 3,773 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4770% | 3,828 |
| Return on assets (ROA) | 0.4770% | 3,931 |
| Pretax return on assets | 0.4920% | 4,206 |
| Return on Equity (ROE) | 2.9026% | 4,544 |
| Retained earnings to average equity (ytd only) | 0.2213% | 4,781 |
| Net charge-offs to loans | 0.2012% | 5,387 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 4.1071% | 3,063 |
| Efficiency ratio | 86.2768% | 2,077 |
| Assets per employee ($millions) | 5.3563% | 1,785 |
| Cash dividends to net income (ytd only)* | 92.3767% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 6,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 58.0953% | 5,654 |
| Net loans and leases to deposits | 70.3615% | 5,562 |
| Net loans and leases to core deposits | 101.6404% | 3,834 |
| Total domestic deposits to total assets | 82.5668% | 4,716 |
| Equity capital to assets | 16.0060% | 700 |
| Core capital (leverage) ratio | 15.8507% | 639 |
| Tier 1 risk-based capital ratio | 25.0891% | 834 |
| Total risk-based capital ratio | 26.0664% | 837 |
| Memoranda: | ||
| Average total assets | $46,752,000 | 6,835 |
| Average earning assets | $43,408,400 | 6,790 |
| Average equity | $7,682,800 | 6,026 |
| Average total loans | $27,839,200 | 6,747 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8903% | 2,496 |
| Cost of funding earning assets | 2.3444% | 1,831 |
| Net interest margin | 3.5459% | 4,685 |
| Noninterest income to average assets | 0.2788% | 6,243 |
| Noninterest expense to average assets | 3.0984% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3823% | 4,471 |
| Return on assets (ROA) | 0.3823% | 4,574 |
| Pretax return on assets | 0.4800% | 4,579 |
| Return on Equity (ROE) | 2.3106% | 5,057 |
| Retained earnings to average equity (ytd only) | 2.3106% | 4,028 |
| Net charge-offs to loans | 0.2693% | 4,356 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 2.9823% | 3,743 |
| Efficiency ratio | 86.5863% | 2,007 |
| Assets per employee ($millions) | 5.2292% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 5,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 57.8820% | 5,907 |
| Net loans and leases to deposits | 69.8237% | 5,938 |
| Net loans and leases to core deposits | 102.0989% | 4,144 |
| Total domestic deposits to total assets | 82.8974% | 4,272 |
| Equity capital to assets | 16.8604% | 651 |
| Core capital (leverage) ratio | 16.3543% | 628 |
| Tier 1 risk-based capital ratio | 24.4440% | 955 |
| Total risk-based capital ratio | 25.4040% | 965 |
| Memoranda: | ||
| Average total assets | $46,388,250 | 6,904 |
| Average earning assets | $43,165,750 | 6,860 |
| Average equity | $7,674,500 | 6,092 |
| Average total loans | $27,723,500 | 6,810 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9553% | 2,361 |
| Cost of funding earning assets | 2.3775% | 2,053 |
| Net interest margin | 3.5778% | 4,458 |
| Noninterest income to average assets | 0.3163% | 5,978 |
| Noninterest expense to average assets | 3.1497% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3986% | 4,517 |
| Return on assets (ROA) | 0.3986% | 4,626 |
| Pretax return on assets | 0.5112% | 4,580 |
| Return on Equity (ROE) | 2.4250% | 5,133 |
| Retained earnings to average equity (ytd only) | 2.4250% | 3,984 |
| Net charge-offs to loans | 0.3743% | 3,321 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 2.2692% | 3,934 |
| Efficiency ratio | 86.0355% | 2,227 |
| Assets per employee ($millions) | 4.6157% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 5,706 |
| Loan loss allowance to noncurrent loans | 7,500.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 7,625 |
| Noncurrent loans to loans | 0.0144% | 7,520 |
| Net loans and leases to total assets | 59.3236% | 5,788 |
| Net loans and leases to deposits | 71.4003% | 5,822 |
| Net loans and leases to core deposits | 100.5471% | 4,453 |
| Total domestic deposits to total assets | 83.0860% | 4,199 |
| Equity capital to assets | 16.6497% | 721 |
| Core capital (leverage) ratio | 16.3307% | 698 |
| Tier 1 risk-based capital ratio | 25.5121% | 897 |
| Total risk-based capital ratio | 26.5097% | 899 |
| Memoranda: | ||
| Average total assets | $46,163,330 | 6,976 |
| Average earning assets | $43,154,670 | 6,918 |
| Average equity | $7,587,670 | 6,152 |
| Average total loans | $27,785,670 | 6,858 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9494% | 2,567 |
| Cost of funding earning assets | 2.3669% | 2,428 |
| Net interest margin | 3.5825% | 4,394 |
| Noninterest income to average assets | 0.3292% | 5,812 |
| Noninterest expense to average assets | 2.8852% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6152% | 3,957 |
| Return on assets (ROA) | 0.6152% | 4,148 |
| Pretax return on assets | 0.8144% | 4,023 |
| Return on Equity (ROE) | 3.7671% | 5,049 |
| Retained earnings to average equity (ytd only) | 3.7671% | 3,801 |
| Net charge-offs to loans | 0.7041% | 1,779 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.9184% | 3,758 |
| Efficiency ratio | 77.9859% | 3,166 |
| Assets per employee ($millions) | 4.6611% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 5,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 59.8957% | 5,671 |
| Net loans and leases to deposits | 78.3663% | 4,864 |
| Net loans and leases to core deposits | 110.5401% | 3,365 |
| Total domestic deposits to total assets | 76.4305% | 6,425 |
| Equity capital to assets | 16.3416% | 819 |
| Core capital (leverage) ratio | 16.3558% | 733 |
| Tier 1 risk-based capital ratio | 25.0353% | 978 |
| Total risk-based capital ratio | 26.0296% | 975 |
| Memoranda: | ||
| Average total assets | $46,166,500 | 7,023 |
| Average earning assets | $43,433,000 | 6,960 |
| Average equity | $7,539,000 | 6,208 |
| Average total loans | $27,837,500 | 6,893 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5071% | 2,922 |
| Cost of funding earning assets | 2.8569% | 2,454 |
| Net interest margin | 3.6502% | 4,677 |
| Noninterest income to average assets | 0.4613% | 4,955 |
| Noninterest expense to average assets | 2.9303% | 4,334 |
| Loan and lease loss provision to assets | 0.0173% | 7,168 |
| Net operating income to assets | 0.7754% | 3,544 |
| Return on assets (ROA) | 0.1018% | 5,949 |
| Pretax return on assets | -0.0910% | 6,260 |
| Return on Equity (ROE) | 0.6225% | 6,030 |
| Retained earnings to average equity (ytd only) | -2.0927% | 5,903 |
| Net charge-offs to loans | -0.1598% | 8,143 |
| Credit loss provision to net charge-offs | -19.0476% | 7,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9584% | 3,405 |
| Assets per employee ($millions) | 4.5722% | 2,511 |
| Cash dividends to net income (ytd only)* | 436.1702% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 3,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 59.2756% | 6,016 |
| Net loans and leases to deposits | 79.9304% | 5,057 |
| Net loans and leases to core deposits | 110.5167% | 3,730 |
| Total domestic deposits to total assets | 74.1590% | 6,631 |
| Equity capital to assets | 16.3182% | 879 |
| Core capital (leverage) ratio | 16.4895% | 761 |
| Tier 1 risk-based capital ratio | 24.9859% | 989 |
| Total risk-based capital ratio | 26.1501% | 977 |
| Memoranda: | ||
| Average total assets | $46,172,600 | 6,930 |
| Average earning assets | $43,613,600 | 6,871 |
| Average equity | $7,550,200 | 6,259 |
| Average total loans | $26,275,600 | 6,947 |