Home > Quality Bank > Performance and Condition Ratios
Quality 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 | 3.8922% | 3,951 |
| Cost of funding earning assets | 0.4196% | 3,446 |
| Net interest margin | 3.4726% | 3,637 |
| Noninterest income to average assets | 0.0955% | 5,346 |
| Noninterest expense to average assets | 2.0609% | 4,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3102% | 1,610 |
| Return on assets (ROA) | 1.3102% | 1,615 |
| Pretax return on assets | 1.3102% | 2,326 |
| Return on Equity (ROE) | 12.5737% | 1,389 |
| Retained earnings to average equity (ytd only) | 12.5737% | 586 |
| Net charge-offs to loans | -0.0813% | 5,146 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1336% | 3,928 |
| Assets per employee ($millions) | 6.0084% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 1,561 |
| Loan loss allowance to noncurrent loans | 162.6728% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 2,152 |
| Noncurrent loans to loans | 0.9070% | 2,006 |
| Net loans and leases to total assets | 78.4668% | 1,162 |
| Net loans and leases to deposits | 87.5864% | 1,984 |
| Net loans and leases to core deposits | 92.0173% | 2,303 |
| Total domestic deposits to total assets | 89.5879% | 840 |
| Equity capital to assets | 10.3189% | 3,255 |
| Core capital (leverage) ratio | 10.0424% | 3,482 |
| Tier 1 risk-based capital ratio | 11.6572% | 4,765 |
| Total risk-based capital ratio | 12.9110% | 4,657 |
| Memoranda: | ||
| Average total assets | $29,307,500 | 5,443 |
| Average earning assets | $27,645,000 | 5,422 |
| Average equity | $3,054,000 | 5,467 |
| Average total loans | $24,605,000 | 5,123 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8928% | 3,746 |
| Cost of funding earning assets | 0.4012% | 3,246 |
| Net interest margin | 3.4915% | 3,556 |
| Noninterest income to average assets | 0.1082% | 5,381 |
| Noninterest expense to average assets | 2.2451% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0854% | 1,906 |
| Return on assets (ROA) | 1.0854% | 1,932 |
| Pretax return on assets | 1.1293% | 3,065 |
| Return on Equity (ROE) | 10.9616% | 1,502 |
| Retained earnings to average equity (ytd only) | 10.9616% | 252 |
| Net charge-offs to loans | 0.0340% | 3,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 41.7500% | 1,224 |
| Efficiency ratio | 66.2325% | 3,224 |
| Assets per employee ($millions) | 5.7146% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 1,849 |
| Loan loss allowance to noncurrent loans | 160.3687% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 2,057 |
| Noncurrent loans to loans | 0.8583% | 2,082 |
| Net loans and leases to total assets | 87.2712% | 171 |
| Net loans and leases to deposits | 97.5854% | 932 |
| Net loans and leases to core deposits | 102.7822% | 1,504 |
| Total domestic deposits to total assets | 89.4306% | 809 |
| Equity capital to assets | 10.5274% | 3,139 |
| Core capital (leverage) ratio | 10.2709% | 3,103 |
| Tier 1 risk-based capital ratio | 10.8821% | 5,213 |
| Total risk-based capital ratio | 12.1315% | 5,105 |
| Memoranda: | ||
| Average total assets | $29,575,000 | 5,496 |
| Average earning assets | $27,666,800 | 5,473 |
| Average equity | $2,928,400 | 5,538 |
| Average total loans | $23,551,000 | 5,209 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8456% | 3,849 |
| Cost of funding earning assets | 0.3831% | 3,349 |
| Net interest margin | 3.4625% | 3,630 |
| Noninterest income to average assets | 0.1028% | 5,469 |
| Noninterest expense to average assets | 2.1905% | 4,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1265% | 1,969 |
| Return on assets (ROA) | 1.1265% | 2,032 |
| Pretax return on assets | 1.1444% | 3,137 |
| Return on Equity (ROE) | 11.5520% | 1,471 |
| Retained earnings to average equity (ytd only) | 11.5520% | 335 |
| Net charge-offs to loans | 0.0635% | 2,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 23.2665% | 1,820 |
| Efficiency ratio | 65.2815% | 3,328 |
| Assets per employee ($millions) | 5.6748% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4423% | 1,728 |
| Loan loss allowance to noncurrent loans | 156.1086% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.7789% | 2,187 |
| Noncurrent loans to loans | 0.9239% | 2,079 |
| Net loans and leases to total assets | 83.0866% | 536 |
| Net loans and leases to deposits | 94.8998% | 1,210 |
| Net loans and leases to core deposits | 101.1672% | 1,609 |
| Total domestic deposits to total assets | 87.5520% | 1,612 |
| Equity capital to assets | 10.4532% | 3,419 |
| Core capital (leverage) ratio | 9.9910% | 3,577 |
| Tier 1 risk-based capital ratio | 10.8218% | 5,337 |
| Total risk-based capital ratio | 12.0748% | 5,247 |
| Memoranda: | ||
| Average total assets | $29,825,500 | 5,550 |
| Average earning assets | $27,840,750 | 5,529 |
| Average equity | $2,908,500 | 5,602 |
| Average total loans | $23,117,750 | 5,272 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7747% | 3,978 |
| Cost of funding earning assets | 0.3683% | 3,399 |
| Net interest margin | 3.4064% | 3,752 |
| Noninterest income to average assets | 0.1386% | 5,361 |
| Noninterest expense to average assets | 2.2435% | 4,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0690% | 2,125 |
| Return on assets (ROA) | 1.0690% | 2,172 |
| Pretax return on assets | 1.0690% | 3,302 |
| Return on Equity (ROE) | 11.2137% | 1,564 |
| Retained earnings to average equity (ytd only) | 11.2137% | 409 |
| Net charge-offs to loans | 0.1400% | 1,315 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 10.1250% | 2,368 |
| Efficiency ratio | 67.3307% | 3,129 |
| Assets per employee ($millions) | 4.9510% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 1,587 |
| Loan loss allowance to noncurrent loans | 153.8462% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7440% | 2,336 |
| Noncurrent loans to loans | 0.9722% | 2,022 |
| Net loans and leases to total assets | 75.3821% | 1,631 |
| Net loans and leases to deposits | 83.5061% | 2,543 |
| Net loans and leases to core deposits | 87.7091% | 2,729 |
| Total domestic deposits to total assets | 90.2713% | 436 |
| Equity capital to assets | 9.6883% | 4,238 |
| Core capital (leverage) ratio | 9.0007% | 4,722 |
| Tier 1 risk-based capital ratio | 10.9530% | 5,276 |
| Total risk-based capital ratio | 12.2032% | 5,177 |
| Memoranda: | ||
| Average total assets | $30,309,330 | 5,589 |
| Average earning assets | $28,240,670 | 5,572 |
| Average equity | $2,889,330 | 5,649 |
| Average total loans | $22,850,330 | 5,322 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8326% | 3,647 |
| Cost of funding earning assets | 0.3597% | 3,422 |
| Net interest margin | 3.4728% | 3,380 |
| Noninterest income to average assets | 0.1568% | 5,337 |
| Noninterest expense to average assets | 2.3129% | 4,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1238% | 1,778 |
| Return on assets (ROA) | 1.1238% | 1,813 |
| Pretax return on assets | 1.1238% | 2,890 |
| Return on Equity (ROE) | 11.8826% | 1,273 |
| Retained earnings to average equity (ytd only) | 11.8826% | 482 |
| Net charge-offs to loans | -0.0873% | 5,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3004% | 3,302 |
| Assets per employee ($millions) | 5.2713% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6481% | 1,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 4,741 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 68.1137% | 2,662 |
| Net loans and leases to deposits | 75.1308% | 3,290 |
| Net loans and leases to core deposits | 75.8797% | 3,659 |
| Total domestic deposits to total assets | 90.6602% | 406 |
| Equity capital to assets | 9.2892% | 4,526 |
| Core capital (leverage) ratio | 8.9697% | 4,776 |
| Tier 1 risk-based capital ratio | 11.1555% | 5,226 |
| Total risk-based capital ratio | 12.4059% | 5,124 |
| Memoranda: | ||
| Average total assets | $30,611,000 | 5,653 |
| Average earning assets | $28,910,000 | 5,626 |
| Average equity | $2,895,000 | 5,707 |
| Average total loans | $22,909,000 | 5,374 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8782% | 3,651 |
| Cost of funding earning assets | 0.4095% | 2,912 |
| Net interest margin | 3.4687% | 3,549 |
| Noninterest income to average assets | 0.1427% | 5,479 |
| Noninterest expense to average assets | 2.4119% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9754% | 2,456 |
| Return on assets (ROA) | 0.9754% | 2,566 |
| Pretax return on assets | 1.0185% | 3,413 |
| Return on Equity (ROE) | 10.7338% | 1,679 |
| Retained earnings to average equity (ytd only) | 10.7338% | 333 |
| Net charge-offs to loans | -0.0915% | 5,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1161% | 2,880 |
| Assets per employee ($millions) | 4.9323% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 1,715 |
| Loan loss allowance to noncurrent loans | 89.4472% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.3449% | 1,289 |
| Noncurrent loans to loans | 1.6643% | 1,160 |
| Net loans and leases to total assets | 79.6040% | 951 |
| Net loans and leases to deposits | 88.1299% | 1,909 |
| Net loans and leases to core deposits | 89.0695% | 2,582 |
| Total domestic deposits to total assets | 90.3257% | 503 |
| Equity capital to assets | 9.6371% | 4,131 |
| Core capital (leverage) ratio | 8.9468% | 4,797 |
| Tier 1 risk-based capital ratio | 10.9194% | 5,385 |
| Total risk-based capital ratio | 12.1696% | 5,271 |
| Memoranda: | ||
| Average total assets | $30,142,400 | 5,712 |
| Average earning assets | $28,569,800 | 5,684 |
| Average equity | $2,739,000 | 5,779 |
| Average total loans | $24,043,000 | 5,390 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8364% | 3,814 |
| Cost of funding earning assets | 0.4077% | 2,947 |
| Net interest margin | 3.4287% | 3,743 |
| Noninterest income to average assets | 0.1453% | 5,530 |
| Noninterest expense to average assets | 2.4086% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9952% | 2,454 |
| Return on assets (ROA) | 0.9952% | 2,596 |
| Pretax return on assets | 0.9952% | 3,649 |
| Return on Equity (ROE) | 11.1161% | 1,631 |
| Retained earnings to average equity (ytd only) | 11.1161% | 412 |
| Net charge-offs to loans | -0.0942% | 5,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5045% | 2,822 |
| Assets per employee ($millions) | 5.0677% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 2,375 |
| Loan loss allowance to noncurrent loans | 88.1910% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.3090% | 1,463 |
| Noncurrent loans to loans | 1.5452% | 1,401 |
| Net loans and leases to total assets | 83.5559% | 454 |
| Net loans and leases to deposits | 94.5691% | 1,200 |
| Net loans and leases to core deposits | 95.5724% | 2,043 |
| Total domestic deposits to total assets | 88.3543% | 1,209 |
| Equity capital to assets | 9.3041% | 4,859 |
| Core capital (leverage) ratio | 9.1040% | 4,713 |
| Tier 1 risk-based capital ratio | 10.0626% | 5,771 |
| Total risk-based capital ratio | 11.3117% | 5,725 |
| Memoranda: | ||
| Average total assets | $30,279,500 | 5,771 |
| Average earning assets | $28,776,250 | 5,740 |
| Average equity | $2,710,750 | 5,845 |
| Average total loans | $24,075,250 | 5,444 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7552% | 4,109 |
| Cost of funding earning assets | 0.4103% | 2,934 |
| Net interest margin | 3.3449% | 4,080 |
| Noninterest income to average assets | 0.1455% | 5,581 |
| Noninterest expense to average assets | 2.3878% | 4,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9392% | 2,678 |
| Return on assets (ROA) | 0.9392% | 2,817 |
| Pretax return on assets | 0.9392% | 3,804 |
| Return on Equity (ROE) | 10.6314% | 1,792 |
| Retained earnings to average equity (ytd only) | 10.6314% | 488 |
| Net charge-offs to loans | -0.1021% | 5,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3718% | 2,766 |
| Assets per employee ($millions) | 4.3164% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 2,239 |
| Loan loss allowance to noncurrent loans | 89.4057% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.2808% | 1,591 |
| Noncurrent loans to loans | 1.5788% | 1,362 |
| Net loans and leases to total assets | 79.9835% | 905 |
| Net loans and leases to deposits | 88.0305% | 1,993 |
| Net loans and leases to core deposits | 89.8001% | 2,551 |
| Total domestic deposits to total assets | 90.8588% | 220 |
| Equity capital to assets | 9.0948% | 5,167 |
| Core capital (leverage) ratio | 8.6739% | 5,195 |
| Tier 1 risk-based capital ratio | 9.5528% | 5,940 |
| Total risk-based capital ratio | 10.8014% | 5,919 |
| Memoranda: | ||
| Average total assets | $30,237,330 | 5,846 |
| Average earning assets | $28,760,330 | 5,811 |
| Average equity | $2,671,330 | 5,921 |
| Average total loans | $23,514,670 | 5,520 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7130% | 4,274 |
| Cost of funding earning assets | 0.4033% | 3,032 |
| Net interest margin | 3.3098% | 4,190 |
| Noninterest income to average assets | 0.1455% | 5,616 |
| Noninterest expense to average assets | 2.3538% | 4,508 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9389% | 2,568 |
| Return on assets (ROA) | 0.9389% | 2,676 |
| Pretax return on assets | 0.9389% | 3,697 |
| Return on Equity (ROE) | 10.7862% | 1,679 |
| Retained earnings to average equity (ytd only) | 10.7862% | 693 |
| Net charge-offs to loans | -0.1043% | 5,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0843% | 2,943 |
| Assets per employee ($millions) | 4.4614% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 1,840 |
| Loan loss allowance to noncurrent loans | 88.5417% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.2296% | 1,771 |
| Noncurrent loans to loans | 1.7359% | 1,290 |
| Net loans and leases to total assets | 69.7438% | 2,384 |
| Net loans and leases to deposits | 76.3174% | 3,180 |
| Net loans and leases to core deposits | 77.7893% | 3,512 |
| Total domestic deposits to total assets | 91.3865% | 181 |
| Equity capital to assets | 8.5527% | 5,529 |
| Core capital (leverage) ratio | 8.5123% | 5,382 |
| Tier 1 risk-based capital ratio | 10.0317% | 5,906 |
| Total risk-based capital ratio | 11.2818% | 5,853 |
| Memoranda: | ||
| Average total assets | $30,248,500 | 5,904 |
| Average earning assets | $28,763,500 | 5,868 |
| Average equity | $2,633,000 | 5,979 |
| Average total loans | $23,015,500 | 5,583 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0431% | 3,147 |
| Cost of funding earning assets | 0.3938% | 3,218 |
| Net interest margin | 3.6493% | 2,943 |
| Noninterest income to average assets | 0.2115% | 5,326 |
| Noninterest expense to average assets | 2.6336% | 3,804 |
| Loan and lease loss provision to assets | -0.3411% | 6,084 |
| Net operating income to assets | 1.3100% | 1,244 |
| Return on assets (ROA) | 1.3100% | 1,297 |
| Pretax return on assets | 1.3646% | 2,053 |
| Return on Equity (ROE) | 14.2868% | 805 |
| Retained earnings to average equity (ytd only) | 14.2868% | 156 |
| Net charge-offs to loans | -0.3236% | 6,020 |
| Credit loss provision to net charge-offs | 135.1351% | 1,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9216% | 2,920 |
| Assets per employee ($millions) | 4.1810% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 2,439 |
| Loan loss allowance to noncurrent loans | 86.3049% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.3223% | 1,607 |
| Noncurrent loans to loans | 1.6186% | 1,415 |
| Net loans and leases to total assets | 80.5549% | 770 |
| Net loans and leases to deposits | 88.4354% | 1,818 |
| Net loans and leases to core deposits | 90.2603% | 2,384 |
| Total domestic deposits to total assets | 91.0889% | 260 |
| Equity capital to assets | 8.8666% | 5,254 |
| Core capital (leverage) ratio | 8.3914% | 5,532 |
| Tier 1 risk-based capital ratio | 9.0169% | 6,102 |
| Total risk-based capital ratio | 10.2259% | 6,096 |
| Memoranda: | ||
| Average total assets | $29,313,400 | 5,966 |
| Average earning assets | $27,676,800 | 5,939 |
| Average equity | $2,687,800 | 6,032 |
| Average total loans | $22,865,400 | 5,624 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 3,318 |
| Cost of funding earning assets | 0.3903% | 3,321 |
| Net interest margin | 3.6141% | 3,101 |
| Noninterest income to average assets | 0.1228% | 5,858 |
| Noninterest expense to average assets | 2.5143% | 4,152 |
| Loan and lease loss provision to assets | -0.4547% | 6,198 |
| Net operating income to assets | 1.4322% | 1,044 |
| Return on assets (ROA) | 1.4322% | 1,093 |
| Pretax return on assets | 1.4731% | 1,755 |
| Return on Equity (ROE) | 15.4921% | 664 |
| Retained earnings to average equity (ytd only) | 15.4921% | 152 |
| Net charge-offs to loans | -0.3775% | 6,119 |
| Credit loss provision to net charge-offs | 156.2500% | 1,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0425% | 3,035 |
| Assets per employee ($millions) | 4.1331% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 2,746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 80.7514% | 720 |
| Net loans and leases to deposits | 89.5855% | 1,703 |
| Net loans and leases to core deposits | 91.4725% | 2,320 |
| Total domestic deposits to total assets | 90.1389% | 519 |
| Equity capital to assets | 9.7954% | 4,400 |
| Core capital (leverage) ratio | 9.1117% | 4,858 |
| Tier 1 risk-based capital ratio | 10.8404% | 5,736 |
| Total risk-based capital ratio | 12.0906% | 5,667 |
| Memoranda: | ||
| Average total assets | $29,325,000 | 6,050 |
| Average earning assets | $27,669,000 | 6,021 |
| Average equity | $2,711,000 | 6,113 |
| Average total loans | $22,604,250 | 5,703 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8834% | 3,756 |
| Cost of funding earning assets | 0.3668% | 3,633 |
| Net interest margin | 3.5167% | 3,431 |
| Noninterest income to average assets | 0.1018% | 6,022 |
| Noninterest expense to average assets | 2.5733% | 3,993 |
| Loan and lease loss provision to assets | -0.6790% | 6,295 |
| Net operating income to assets | 1.4666% | 956 |
| Return on assets (ROA) | 1.4666% | 1,006 |
| Pretax return on assets | 1.5277% | 1,563 |
| Return on Equity (ROE) | 16.1798% | 595 |
| Retained earnings to average equity (ytd only) | 16.1798% | 152 |
| Net charge-offs to loans | -0.4226% | 6,178 |
| Credit loss provision to net charge-offs | 212.7660% | 1,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 2,534 |
| Assets per employee ($millions) | 4.1124% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 3,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 83.5551% | 409 |
| Net loans and leases to deposits | 92.3765% | 1,331 |
| Net loans and leases to core deposits | 94.3218% | 1,927 |
| Total domestic deposits to total assets | 90.4506% | 470 |
| Equity capital to assets | 9.4904% | 4,664 |
| Core capital (leverage) ratio | 9.0219% | 4,938 |
| Tier 1 risk-based capital ratio | 10.4927% | 5,924 |
| Total risk-based capital ratio | 11.7246% | 5,875 |
| Memoranda: | ||
| Average total assets | $29,456,000 | 6,116 |
| Average earning assets | $27,810,330 | 6,086 |
| Average equity | $2,670,000 | 6,183 |
| Average total loans | $22,243,330 | 5,768 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7551% | 4,182 |
| Cost of funding earning assets | 0.3569% | 3,787 |
| Net interest margin | 3.3981% | 3,852 |
| Noninterest income to average assets | 0.0806% | 6,147 |
| Noninterest expense to average assets | 2.5511% | 4,099 |
| Loan and lease loss provision to assets | -1.3427% | 6,392 |
| Net operating income to assets | 2.0678% | 298 |
| Return on assets (ROA) | 2.0678% | 317 |
| Pretax return on assets | 2.0678% | 518 |
| Return on Equity (ROE) | 23.3422% | 150 |
| Retained earnings to average equity (ytd only) | 23.3422% | 60 |
| Net charge-offs to loans | -0.5664% | 6,258 |
| Credit loss provision to net charge-offs | 333.3333% | 749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8689% | 2,200 |
| Assets per employee ($millions) | 4.3534% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 2,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 66.1843% | 2,739 |
| Net loans and leases to deposits | 72.5843% | 3,484 |
| Net loans and leases to core deposits | 74.0147% | 3,773 |
| Total domestic deposits to total assets | 91.1826% | 297 |
| Equity capital to assets | 8.7681% | 5,532 |
| Core capital (leverage) ratio | 8.3770% | 5,659 |
| Tier 1 risk-based capital ratio | 10.7434% | 5,922 |
| Total risk-based capital ratio | 11.9691% | 5,855 |
| Memoranda: | ||
| Average total assets | $29,790,500 | 6,176 |
| Average earning assets | $28,015,500 | 6,146 |
| Average equity | $2,639,000 | 6,250 |
| Average total loans | $21,185,000 | 5,851 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 3,892 |
| Cost of funding earning assets | 0.3404% | 4,363 |
| Net interest margin | 3.6160% | 3,353 |
| Noninterest income to average assets | 0.1480% | 5,954 |
| Noninterest expense to average assets | 3.0928% | 2,540 |
| Loan and lease loss provision to assets | -0.8509% | 6,482 |
| Net operating income to assets | 1.1969% | 1,591 |
| Return on assets (ROA) | 1.2431% | 1,514 |
| Pretax return on assets | 1.2948% | 2,256 |
| Return on Equity (ROE) | 13.1589% | 1,099 |
| Retained earnings to average equity (ytd only) | 13.1589% | 216 |
| Net charge-offs to loans | -0.3052% | 6,338 |
| Credit loss provision to net charge-offs | 418.1818% | 620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1230% | 989 |
| Assets per employee ($millions) | 4.1581% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 1,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 74.0406% | 1,576 |
| Net loans and leases to deposits | 81.3552% | 2,560 |
| Net loans and leases to core deposits | 83.0354% | 2,988 |
| Total domestic deposits to total assets | 91.0090% | 362 |
| Equity capital to assets | 8.9532% | 5,341 |
| Core capital (leverage) ratio | 9.0460% | 4,915 |
| Tier 1 risk-based capital ratio | 10.4857% | 6,110 |
| Total risk-based capital ratio | 11.7412% | 6,045 |
| Memoranda: | ||
| Average total assets | $27,030,200 | 6,314 |
| Average earning assets | $24,972,200 | 6,276 |
| Average equity | $2,553,400 | 6,340 |
| Average total loans | $18,021,400 | 6,043 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8862% | 4,220 |
| Cost of funding earning assets | 0.3270% | 4,591 |
| Net interest margin | 3.5592% | 3,596 |
| Noninterest income to average assets | 0.1257% | 6,137 |
| Noninterest expense to average assets | 3.0930% | 2,490 |
| Loan and lease loss provision to assets | -1.1567% | 6,574 |
| Net operating income to assets | 1.4059% | 1,118 |
| Return on assets (ROA) | 1.4585% | 1,050 |
| Pretax return on assets | 1.5289% | 1,547 |
| Return on Equity (ROE) | 15.2213% | 785 |
| Retained earnings to average equity (ytd only) | 15.2213% | 191 |
| Net charge-offs to loans | -0.3285% | 6,407 |
| Credit loss provision to net charge-offs | 547.6190% | 531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1180% | 836 |
| Assets per employee ($millions) | 3.7929% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 1,921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 74.8814% | 1,381 |
| Net loans and leases to deposits | 82.9931% | 2,290 |
| Net loans and leases to core deposits | 84.8890% | 2,792 |
| Total domestic deposits to total assets | 90.2260% | 641 |
| Equity capital to assets | 9.6836% | 4,568 |
| Core capital (leverage) ratio | 9.8124% | 3,924 |
| Tier 1 risk-based capital ratio | 10.5723% | 6,184 |
| Total risk-based capital ratio | 11.8235% | 6,129 |
| Memoranda: | ||
| Average total assets | $26,511,000 | 6,395 |
| Average earning assets | $24,462,000 | 6,361 |
| Average equity | $2,540,250 | 6,416 |
| Average total loans | $17,049,000 | 6,147 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7094% | 4,831 |
| Cost of funding earning assets | 0.3201% | 4,756 |
| Net interest margin | 3.3894% | 4,222 |
| Noninterest income to average assets | 0.1434% | 6,100 |
| Noninterest expense to average assets | 2.9512% | 2,997 |
| Loan and lease loss provision to assets | -1.7360% | 6,649 |
| Net operating income to assets | 1.9439% | 377 |
| Return on assets (ROA) | 2.0228% | 337 |
| Pretax return on assets | 2.1285% | 425 |
| Return on Equity (ROE) | 21.1858% | 234 |
| Retained earnings to average equity (ytd only) | 21.1858% | 70 |
| Net charge-offs to loans | -0.3377% | 6,455 |
| Credit loss provision to net charge-offs | 851.8519% | 388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5093% | 879 |
| Assets per employee ($millions) | 3.5219% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8398% | 1,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 71.8493% | 1,769 |
| Net loans and leases to deposits | 80.2074% | 2,492 |
| Net loans and leases to core deposits | 82.1949% | 2,949 |
| Total domestic deposits to total assets | 89.5794% | 1,030 |
| Equity capital to assets | 10.3233% | 3,655 |
| Core capital (leverage) ratio | 9.5776% | 4,209 |
| Tier 1 risk-based capital ratio | 11.1645% | 5,979 |
| Total risk-based capital ratio | 11.4324% | 6,303 |
| Memoranda: | ||
| Average total assets | $26,498,000 | 6,460 |
| Average earning assets | $24,370,330 | 6,425 |
| Average equity | $2,530,000 | 6,476 |
| Average total loans | $15,989,330 | 6,245 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3037% | 5,837 |
| Cost of funding earning assets | 0.3368% | 4,675 |
| Net interest margin | 2.9669% | 5,607 |
| Noninterest income to average assets | 0.1167% | 6,267 |
| Noninterest expense to average assets | 2.7716% | 3,668 |
| Loan and lease loss provision to assets | -3.3552% | 6,726 |
| Net operating income to assets | 3.3989% | 77 |
| Return on assets (ROA) | 3.3989% | 81 |
| Pretax return on assets | 3.3989% | 107 |
| Return on Equity (ROE) | 36.9475% | 40 |
| Retained earnings to average equity (ytd only) | 36.9475% | 24 |
| Net charge-offs to loans | -0.2674% | 6,454 |
| Credit loss provision to net charge-offs | 2,300.0000% | 151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4456% | 528 |
| Assets per employee ($millions) | 3.9143% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1008% | 1,322 |
| Loan loss allowance to noncurrent loans | 63.5081% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 1.8102% | 1,935 |
| Noncurrent loans to loans | 3.3080% | 921 |
| Net loans and leases to total assets | 53.5730% | 4,477 |
| Net loans and leases to deposits | 59.0894% | 4,835 |
| Net loans and leases to core deposits | 60.3875% | 4,999 |
| Total domestic deposits to total assets | 90.6642% | 701 |
| Equity capital to assets | 9.2336% | 4,836 |
| Core capital (leverage) ratio | 8.9882% | 5,028 |
| Tier 1 risk-based capital ratio | 12.6131% | 5,246 |
| Total risk-based capital ratio | 13.8691% | 5,180 |
| Memoranda: | ||
| Average total assets | $27,420,500 | 6,508 |
| Average earning assets | $24,942,000 | 6,479 |
| Average equity | $2,522,500 | 6,534 |
| Average total loans | $14,961,500 | 6,347 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6770% | 5,204 |
| Cost of funding earning assets | 0.4006% | 4,649 |
| Net interest margin | 3.2764% | 4,749 |
| Noninterest income to average assets | 0.1381% | 6,248 |
| Noninterest expense to average assets | 2.8994% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3097% | 5,488 |
| Return on assets (ROA) | 0.3097% | 5,584 |
| Pretax return on assets | 0.3209% | 5,671 |
| Return on Equity (ROE) | 3.3094% | 5,399 |
| Retained earnings to average equity (ytd only) | 3.3094% | 3,879 |
| Net charge-offs to loans | -0.3152% | 6,680 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0649% | 1,212 |
| Assets per employee ($millions) | 5.4882% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5836% | 268 |
| Loan loss allowance to noncurrent loans | 107.8629% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.8075% | 2,038 |
| Noncurrent loans to loans | 3.3224% | 980 |
| Net loans and leases to total assets | 52.4544% | 4,798 |
| Net loans and leases to deposits | 57.7724% | 5,147 |
| Net loans and leases to core deposits | 59.0354% | 5,303 |
| Total domestic deposits to total assets | 90.7948% | 659 |
| Equity capital to assets | 9.1651% | 4,846 |
| Core capital (leverage) ratio | 9.5582% | 4,180 |
| Tier 1 risk-based capital ratio | 13.0029% | 4,969 |
| Total risk-based capital ratio | 14.2763% | 4,903 |
| Memoranda: | ||
| Average total assets | $26,799,000 | 6,588 |
| Average earning assets | $25,210,600 | 6,545 |
| Average equity | $2,508,000 | 6,627 |
| Average total loans | $15,544,200 | 6,391 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7618% | 4,995 |
| Cost of funding earning assets | 0.4238% | 4,569 |
| Net interest margin | 3.3379% | 4,503 |
| Noninterest income to average assets | 0.1251% | 6,396 |
| Noninterest expense to average assets | 2.8529% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4254% | 5,137 |
| Return on assets (ROA) | 0.4254% | 5,281 |
| Pretax return on assets | 0.4254% | 5,564 |
| Return on Equity (ROE) | 4.5219% | 4,975 |
| Retained earnings to average equity (ytd only) | 4.5219% | 3,458 |
| Net charge-offs to loans | -0.3907% | 6,757 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7328% | 1,510 |
| Assets per employee ($millions) | 4.1472% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5664% | 316 |
| Loan loss allowance to noncurrent loans | 104.1096% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 2.0536% | 1,964 |
| Noncurrent loans to loans | 3.4256% | 1,127 |
| Net loans and leases to total assets | 57.8106% | 4,043 |
| Net loans and leases to deposits | 64.4201% | 4,470 |
| Net loans and leases to core deposits | 65.9923% | 4,714 |
| Total domestic deposits to total assets | 89.7400% | 1,145 |
| Equity capital to assets | 10.1475% | 3,701 |
| Core capital (leverage) ratio | 9.5451% | 4,342 |
| Tier 1 risk-based capital ratio | 12.6730% | 5,346 |
| Total risk-based capital ratio | 13.8757% | 5,316 |
| Memoranda: | ||
| Average total assets | $26,638,500 | 6,665 |
| Average earning assets | $25,164,750 | 6,624 |
| Average equity | $2,506,250 | 6,705 |
| Average total loans | $15,698,000 | 6,450 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7656% | 4,943 |
| Cost of funding earning assets | 0.4193% | 4,759 |
| Net interest margin | 3.3464% | 4,395 |
| Noninterest income to average assets | 0.1029% | 6,521 |
| Noninterest expense to average assets | 2.7550% | 3,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5143% | 4,741 |
| Return on assets (ROA) | 0.5216% | 4,876 |
| Pretax return on assets | 0.5216% | 5,299 |
| Return on Equity (ROE) | 5.6800% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.6800% | 2,624 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9213% | 1,768 |
| Assets per employee ($millions) | 4.2530% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1581% | 497 |
| Loan loss allowance to noncurrent loans | 48,600.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 6,562 |
| Noncurrent loans to loans | 0.0065% | 6,423 |
| Net loans and leases to total assets | 58.4019% | 3,924 |
| Net loans and leases to deposits | 64.8267% | 4,395 |
| Net loans and leases to core deposits | 66.3594% | 4,658 |
| Total domestic deposits to total assets | 90.0893% | 977 |
| Equity capital to assets | 9.8480% | 4,128 |
| Core capital (leverage) ratio | 8.7096% | 5,405 |
| Tier 1 risk-based capital ratio | 12.5339% | 5,473 |
| Total risk-based capital ratio | 13.7995% | 5,404 |
| Memoranda: | ||
| Average total assets | $27,223,670 | 6,705 |
| Average earning assets | $25,759,330 | 6,663 |
| Average equity | $2,500,000 | 6,752 |
| Average total loans | $15,958,330 | 6,477 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 5,177 |
| Cost of funding earning assets | 0.4376% | 4,728 |
| Net interest margin | 3.2596% | 4,681 |
| Noninterest income to average assets | 0.0997% | 6,579 |
| Noninterest expense to average assets | 2.7496% | 3,874 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4274% | 5,015 |
| Return on assets (ROA) | 0.4417% | 5,113 |
| Pretax return on assets | 0.4417% | 5,435 |
| Return on Equity (ROE) | 4.9729% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.9729% | 3,252 |
| Net charge-offs to loans | 0.6403% | 953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.1538% | 3,444 |
| Efficiency ratio | 85.2018% | 1,622 |
| Assets per employee ($millions) | 4.9257% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9586% | 688 |
| Loan loss allowance to noncurrent loans | 1,840.0000% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 5,966 |
| Noncurrent loans to loans | 0.1608% | 5,993 |
| Net loans and leases to total assets | 51.0523% | 4,835 |
| Net loans and leases to deposits | 55.8401% | 5,261 |
| Net loans and leases to core deposits | 56.9573% | 5,436 |
| Total domestic deposits to total assets | 91.4259% | 377 |
| Equity capital to assets | 8.4929% | 6,025 |
| Core capital (leverage) ratio | 7.9665% | 6,177 |
| Tier 1 risk-based capital ratio | 12.0830% | 5,865 |
| Total risk-based capital ratio | 13.3483% | 5,801 |
| Memoranda: | ||
| Average total assets | $28,076,500 | 6,757 |
| Average earning assets | $26,506,000 | 6,710 |
| Average equity | $2,493,500 | 6,813 |
| Average total loans | $16,243,000 | 6,523 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4823% | 3,477 |
| Cost of funding earning assets | 0.6553% | 3,869 |
| Net interest margin | 3.8269% | 3,115 |
| Noninterest income to average assets | 0.4423% | 4,303 |
| Noninterest expense to average assets | 3.3052% | 2,317 |
| Loan and lease loss provision to assets | -1.5795% | 7,078 |
| Net operating income to assets | 2.2232% | 241 |
| Return on assets (ROA) | 2.2232% | 267 |
| Pretax return on assets | 2.3140% | 331 |
| Return on Equity (ROE) | 25.0267% | 127 |
| Retained earnings to average equity (ytd only) | 16.1362% | 123 |
| Net charge-offs to loans | -0.3460% | 6,989 |
| Credit loss provision to net charge-offs | 727.2727% | 340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7429% | 2,044 |
| Assets per employee ($millions) | 3.7999% | 4,366 |
| Cash dividends to net income (ytd only)* | 35.5240% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8693% | 760 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 5,893 |
| Noncurrent loans to loans | 0.2125% | 5,941 |
| Net loans and leases to total assets | 61.8519% | 3,273 |
| Net loans and leases to deposits | 68.2514% | 3,946 |
| Net loans and leases to core deposits | 69.7828% | 4,343 |
| Total domestic deposits to total assets | 90.6237% | 651 |
| Equity capital to assets | 9.3124% | 5,139 |
| Core capital (leverage) ratio | 9.0329% | 4,841 |
| Tier 1 risk-based capital ratio | 11.8086% | 5,905 |
| Total risk-based capital ratio | 13.0631% | 5,867 |
| Memoranda: | ||
| Average total assets | $25,323,800 | 6,863 |
| Average earning assets | $23,805,000 | 6,819 |
| Average equity | $2,249,600 | 6,921 |
| Average total loans | $15,897,000 | 6,606 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 3,729 |
| Cost of funding earning assets | 0.6972% | 3,792 |
| Net interest margin | 3.7806% | 3,418 |
| Noninterest income to average assets | 0.5545% | 3,576 |
| Noninterest expense to average assets | 3.3219% | 2,213 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7892% | 3,504 |
| Return on assets (ROA) | 0.7892% | 3,747 |
| Pretax return on assets | 0.7892% | 4,532 |
| Return on Equity (ROE) | 8.9992% | 2,804 |
| Retained earnings to average equity (ytd only) | 8.9992% | 1,231 |
| Net charge-offs to loans | -0.5798% | 7,100 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6368% | 2,145 |
| Assets per employee ($millions) | 3.6811% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0688% | 140 |
| Loan loss allowance to noncurrent loans | 2,497.2222% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 6,022 |
| Noncurrent loans to loans | 0.2030% | 6,102 |
| Net loans and leases to total assets | 65.3407% | 2,771 |
| Net loans and leases to deposits | 71.8118% | 3,639 |
| Net loans and leases to core deposits | 73.4663% | 4,054 |
| Total domestic deposits to total assets | 90.9888% | 413 |
| Equity capital to assets | 8.8288% | 5,993 |
| Core capital (leverage) ratio | 8.8750% | 5,233 |
| Tier 1 risk-based capital ratio | 10.4608% | 6,681 |
| Total risk-based capital ratio | 11.7506% | 6,648 |
| Memoranda: | ||
| Average total assets | $25,005,000 | 6,957 |
| Average earning assets | $23,523,000 | 6,913 |
| Average equity | $2,192,750 | 7,019 |
| Average total loans | $15,636,750 | 6,710 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3990% | 4,191 |
| Cost of funding earning assets | 0.7561% | 3,554 |
| Net interest margin | 3.6429% | 4,070 |
| Noninterest income to average assets | 0.5333% | 3,701 |
| Noninterest expense to average assets | 3.2242% | 2,512 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7353% | 3,677 |
| Return on assets (ROA) | 0.7353% | 3,947 |
| Pretax return on assets | 0.7353% | 4,721 |
| Return on Equity (ROE) | 8.4052% | 3,066 |
| Retained earnings to average equity (ytd only) | 8.4052% | 1,481 |
| Net charge-offs to loans | -0.8569% | 7,173 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2041% | 2,139 |
| Assets per employee ($millions) | 3.7633% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3741% | 119 |
| Loan loss allowance to noncurrent loans | 6,392.8571% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 6,250 |
| Noncurrent loans to loans | 0.0841% | 6,449 |
| Net loans and leases to total assets | 69.7919% | 1,955 |
| Net loans and leases to deposits | 77.5389% | 2,744 |
| Net loans and leases to core deposits | 79.5869% | 3,273 |
| Total domestic deposits to total assets | 90.0089% | 918 |
| Equity capital to assets | 9.8096% | 4,610 |
| Core capital (leverage) ratio | 8.2602% | 5,978 |
| Tier 1 risk-based capital ratio | 11.5230% | 6,201 |
| Total risk-based capital ratio | 12.8228% | 6,160 |
| Memoranda: | ||
| Average total assets | $24,750,670 | 7,020 |
| Average earning assets | $23,278,000 | 6,979 |
| Average equity | $2,165,330 | 7,069 |
| Average total loans | $14,937,000 | 6,803 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1132% | 5,405 |
| Cost of funding earning assets | 0.7568% | 3,814 |
| Net interest margin | 3.3564% | 5,281 |
| Noninterest income to average assets | 0.7277% | 2,512 |
| Noninterest expense to average assets | 3.0190% | 3,178 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8670% | 3,064 |
| Return on assets (ROA) | 0.8670% | 3,293 |
| Pretax return on assets | 0.8670% | 4,166 |
| Return on Equity (ROE) | 10.4648% | 2,247 |
| Retained earnings to average equity (ytd only) | 10.4648% | 1,166 |
| Net charge-offs to loans | -0.4546% | 7,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4940% | 2,714 |
| Assets per employee ($millions) | 4.3802% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9439% | 88 |
| Loan loss allowance to noncurrent loans | 3,682.6087% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 6,346 |
| Noncurrent loans to loans | 0.1614% | 6,359 |
| Net loans and leases to total assets | 50.9988% | 5,160 |
| Net loans and leases to deposits | 55.8924% | 5,616 |
| Net loans and leases to core deposits | 57.1386% | 5,804 |
| Total domestic deposits to total assets | 91.2446% | 460 |
| Equity capital to assets | 8.2569% | 6,305 |
| Core capital (leverage) ratio | 7.2843% | 6,734 |
| Tier 1 risk-based capital ratio | 11.6338% | 6,197 |
| Total risk-based capital ratio | 12.9297% | 6,147 |
| Memoranda: | ||
| Average total assets | $25,836,000 | 7,054 |
| Average earning assets | $24,312,000 | 7,007 |
| Average equity | $2,140,500 | 7,129 |
| Average total loans | $14,078,500 | 6,901 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 5,194 |
| Cost of funding earning assets | 1.0972% | 2,693 |
| Net interest margin | 3.3695% | 5,583 |
| Noninterest income to average assets | 0.0775% | 6,727 |
| Noninterest expense to average assets | 4.0847% | 929 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.8231% | 6,667 |
| Return on assets (ROA) | -0.5891% | 6,589 |
| Pretax return on assets | -0.5929% | 6,547 |
| Return on Equity (ROE) | -6.8872% | 6,627 |
| Retained earnings to average equity (ytd only) | -6.8872% | 6,566 |
| Net charge-offs to loans | 0.2166% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -7.1333% | 6,378 |
| Efficiency ratio | 124.0476% | 275 |
| Assets per employee ($millions) | 5.0782% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9754% | 93 |
| Loan loss allowance to noncurrent loans | 1,806.5217% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 6,188 |
| Noncurrent loans to loans | 0.3308% | 6,067 |
| Net loans and leases to total assets | 51.4986% | 5,387 |
| Net loans and leases to deposits | 56.3864% | 5,850 |
| Net loans and leases to core deposits | 57.6848% | 6,023 |
| Total domestic deposits to total assets | 91.3316% | 387 |
| Equity capital to assets | 8.3140% | 6,336 |
| Core capital (leverage) ratio | 7.1361% | 6,817 |
| Tier 1 risk-based capital ratio | 11.4936% | 6,162 |
| Total risk-based capital ratio | 12.7896% | 6,126 |
| Memoranda: | ||
| Average total assets | $25,803,400 | 7,078 |
| Average earning assets | $24,335,600 | 7,029 |
| Average equity | $2,207,000 | 7,180 |
| Average total loans | $13,850,200 | 6,952 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6634% | 4,618 |
| Cost of funding earning assets | 1.1495% | 2,635 |
| Net interest margin | 3.5139% | 5,128 |
| Noninterest income to average assets | 0.0618% | 6,911 |
| Noninterest expense to average assets | 4.1996% | 795 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.8337% | 6,811 |
| Return on assets (ROA) | -0.5198% | 6,695 |
| Pretax return on assets | -0.5044% | 6,623 |
| Return on Equity (ROE) | -6.0359% | 6,719 |
| Retained earnings to average equity (ytd only) | -6.0359% | 6,645 |
| Net charge-offs to loans | -0.5396% | 7,348 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.8311% | 279 |
| Assets per employee ($millions) | 5.0008% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4229% | 69 |
| Loan loss allowance to noncurrent loans | 659.7122% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.6919% | 5,415 |
| Noncurrent loans to loans | 0.9736% | 4,943 |
| Net loans and leases to total assets | 53.4315% | 5,256 |
| Net loans and leases to deposits | 58.7253% | 5,776 |
| Net loans and leases to core deposits | 61.4422% | 5,861 |
| Total domestic deposits to total assets | 90.9854% | 432 |
| Equity capital to assets | 8.6586% | 6,134 |
| Core capital (leverage) ratio | 7.2588% | 6,880 |
| Tier 1 risk-based capital ratio | 11.8965% | 5,964 |
| Total risk-based capital ratio | 13.1992% | 5,914 |
| Memoranda: | ||
| Average total assets | $25,906,500 | 7,147 |
| Average earning assets | $24,473,750 | 7,099 |
| Average equity | $2,231,000 | 7,249 |
| Average total loans | $13,836,000 | 7,028 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 4,004 |
| Cost of funding earning assets | 1.1970% | 2,599 |
| Net interest margin | 3.6234% | 4,636 |
| Noninterest income to average assets | -0.0992% | 7,290 |
| Noninterest expense to average assets | 4.2049% | 828 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.9081% | 6,913 |
| Return on assets (ROA) | -0.9081% | 6,916 |
| Pretax return on assets | -0.8852% | 6,858 |
| Return on Equity (ROE) | -10.5637% | 6,959 |
| Retained earnings to average equity (ytd only) | -10.5637% | 6,904 |
| Net charge-offs to loans | -0.2630% | 7,331 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.2874% | 294 |
| Assets per employee ($millions) | 6.4135% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1318% | 51 |
| Loan loss allowance to noncurrent loans | 651.1111% | 539 |
| Noncurrent assets plus other real estate owned to assets | 1.1031% | 4,684 |
| Noncurrent loans to loans | 1.0953% | 4,838 |
| Net loans and leases to total assets | 44.6168% | 6,380 |
| Net loans and leases to deposits | 49.0319% | 6,663 |
| Net loans and leases to core deposits | 52.2839% | 6,645 |
| Total domestic deposits to total assets | 90.9956% | 501 |
| Equity capital to assets | 8.7160% | 5,922 |
| Core capital (leverage) ratio | 7.0401% | 6,983 |
| Tier 1 risk-based capital ratio | 12.6562% | 5,215 |
| Total risk-based capital ratio | 13.9655% | 5,137 |
| Memoranda: | ||
| Average total assets | $26,207,330 | 7,204 |
| Average earning assets | $24,728,000 | 7,157 |
| Average equity | $2,253,000 | 7,305 |
| Average total loans | $13,689,000 | 7,102 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 3,989 |
| Cost of funding earning assets | 1.1679% | 3,037 |
| Net interest margin | 3.6476% | 4,337 |
| Noninterest income to average assets | -0.0151% | 7,328 |
| Noninterest expense to average assets | 4.6217% | 523 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.2385% | 7,114 |
| Return on assets (ROA) | -1.2385% | 7,118 |
| Pretax return on assets | -1.1932% | 7,056 |
| Return on Equity (ROE) | -14.5036% | 7,139 |
| Retained earnings to average equity (ytd only) | -14.5036% | 7,028 |
| Net charge-offs to loans | -0.3340% | 7,354 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.4802% | 239 |
| Assets per employee ($millions) | 4.6777% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0976% | 58 |
| Loan loss allowance to noncurrent loans | 227.3438% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 2.0095% | 3,307 |
| Noncurrent loans to loans | 3.1220% | 2,404 |
| Net loans and leases to total assets | 40.7147% | 6,729 |
| Net loans and leases to deposits | 44.3319% | 6,943 |
| Net loans and leases to core deposits | 48.4092% | 6,860 |
| Total domestic deposits to total assets | 91.8407% | 330 |
| Equity capital to assets | 7.9562% | 6,538 |
| Core capital (leverage) ratio | 7.0502% | 6,986 |
| Tier 1 risk-based capital ratio | 12.4107% | 5,343 |
| Total risk-based capital ratio | 13.7124% | 5,273 |
| Memoranda: | ||
| Average total assets | $26,484,000 | 7,250 |
| Average earning assets | $25,002,500 | 7,197 |
| Average equity | $2,261,500 | 7,355 |
| Average total loans | $14,371,000 | 7,124 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2987% | 468 |
| Cost of funding earning assets | 1.3765% | 3,410 |
| Net interest margin | 4.9222% | 513 |
| Noninterest income to average assets | -0.0274% | 7,329 |
| Noninterest expense to average assets | 5.0179% | 404 |
| Loan and lease loss provision to assets | 0.3481% | 4,041 |
| Net operating income to assets | -0.7861% | 6,571 |
| Return on assets (ROA) | -0.7861% | 6,597 |
| Pretax return on assets | -0.7783% | 6,510 |
| Return on Equity (ROE) | -8.2215% | 6,640 |
| Retained earnings to average equity (ytd only) | -8.2215% | 6,553 |
| Net charge-offs to loans | 0.9039% | 2,385 |
| Credit loss provision to net charge-offs | 54.6012% | 6,184 |
| Earnings coverage of net charge-offs (x) | -0.6748% | 6,521 |
| Efficiency ratio | 108.3546% | 569 |
| Assets per employee ($millions) | 3.5574% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2366% | 164 |
| Loan loss allowance to noncurrent loans | 77.7076% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 5.1723% | 1,222 |
| Noncurrent loans to loans | 6.7388% | 862 |
| Net loans and leases to total assets | 62.5693% | 4,155 |
| Net loans and leases to deposits | 69.1843% | 4,935 |
| Net loans and leases to core deposits | 70.8002% | 5,357 |
| Total domestic deposits to total assets | 90.4385% | 867 |
| Equity capital to assets | 9.1960% | 4,847 |
| Core capital (leverage) ratio | 8.5206% | 5,326 |
| Tier 1 risk-based capital ratio | 10.8797% | 6,428 |
| Total risk-based capital ratio | 12.1698% | 6,363 |
| Memoranda: | ||
| Average total assets | $25,568,600 | 7,331 |
| Average earning assets | $23,973,200 | 7,288 |
| Average equity | $2,444,800 | 7,411 |
| Average total loans | $18,033,000 | 7,025 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1510% | 679 |
| Cost of funding earning assets | 1.3792% | 3,713 |
| Net interest margin | 4.7719% | 717 |
| Noninterest income to average assets | 0.3471% | 5,392 |
| Noninterest expense to average assets | 5.1446% | 336 |
| Loan and lease loss provision to assets | 0.4611% | 3,168 |
| Net operating income to assets | -0.7771% | 6,782 |
| Return on assets (ROA) | -0.7771% | 6,815 |
| Pretax return on assets | -0.7771% | 6,724 |
| Return on Equity (ROE) | -8.0532% | 6,839 |
| Retained earnings to average equity (ytd only) | -8.0532% | 6,775 |
| Net charge-offs to loans | 1.5698% | 1,268 |
| Credit loss provision to net charge-offs | 41.0138% | 6,003 |
| Earnings coverage of net charge-offs (x) | -0.2811% | 6,231 |
| Efficiency ratio | 105.5794% | 605 |
| Assets per employee ($millions) | 4.3657% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2115% | 311 |
| Loan loss allowance to noncurrent loans | 436.2162% | 685 |
| Noncurrent assets plus other real estate owned to assets | 1.5767% | 4,077 |
| Noncurrent loans to loans | 0.9655% | 5,305 |
| Net loans and leases to total assets | 70.0733% | 2,718 |
| Net loans and leases to deposits | 85.7630% | 2,395 |
| Net loans and leases to core deposits | 86.8259% | 3,540 |
| Total domestic deposits to total assets | 81.7057% | 5,115 |
| Equity capital to assets | 9.2311% | 5,258 |
| Core capital (leverage) ratio | 8.4455% | 5,616 |
| Tier 1 risk-based capital ratio | 11.3075% | 6,095 |
| Total risk-based capital ratio | 11.3075% | 7,016 |
| Memoranda: | ||
| Average total assets | $25,735,250 | 7,420 |
| Average earning assets | $24,168,750 | 7,372 |
| Average equity | $2,483,500 | 7,496 |
| Average total loans | $18,430,750 | 7,101 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7555% | 1,540 |
| Cost of funding earning assets | 1.3787% | 4,010 |
| Net interest margin | 4.3768% | 1,517 |
| Noninterest income to average assets | 0.7427% | 2,440 |
| Noninterest expense to average assets | 5.1911% | 327 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.3284% | 6,507 |
| Return on assets (ROA) | -0.3284% | 6,547 |
| Pretax return on assets | -0.3284% | 6,459 |
| Return on Equity (ROE) | -3.3529% | 6,550 |
| Retained earnings to average equity (ytd only) | -3.3529% | 6,346 |
| Net charge-offs to loans | 1.2097% | 1,577 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -0.3818% | 5,970 |
| Efficiency ratio | 105.7878% | 633 |
| Assets per employee ($millions) | 2.7270% | 6,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0620% | 354 |
| Loan loss allowance to noncurrent loans | 306.6914% | 949 |
| Noncurrent assets plus other real estate owned to assets | 1.8078% | 3,747 |
| Noncurrent loans to loans | 1.3245% | 4,739 |
| Net loans and leases to total assets | 71.4521% | 2,549 |
| Net loans and leases to deposits | 94.1441% | 1,256 |
| Net loans and leases to core deposits | 95.3418% | 2,530 |
| Total domestic deposits to total assets | 75.8966% | 6,717 |
| Equity capital to assets | 9.2519% | 5,074 |
| Core capital (leverage) ratio | 9.1575% | 4,364 |
| Tier 1 risk-based capital ratio | 11.5731% | 5,696 |
| Total risk-based capital ratio | 11.5731% | 6,800 |
| Memoranda: | ||
| Average total assets | $25,582,330 | 7,480 |
| Average earning assets | $24,081,330 | 7,436 |
| Average equity | $2,505,330 | 7,548 |
| Average total loans | $18,187,000 | 7,164 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 4,492 |
| Cost of funding earning assets | 1.4743% | 3,715 |
| Net interest margin | 3.6344% | 4,560 |
| Noninterest income to average assets | 0.7438% | 2,336 |
| Noninterest expense to average assets | 5.4167% | 284 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.2450% | 7,236 |
| Return on assets (ROA) | -1.2450% | 7,253 |
| Pretax return on assets | -1.2450% | 7,166 |
| Return on Equity (ROE) | -12.3373% | 7,229 |
| Retained earnings to average equity (ytd only) | -12.3373% | 7,089 |
| Net charge-offs to loans | 2.2890% | 740 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.7857% | 5,348 |
| Efficiency ratio | 129.8450% | 337 |
| Assets per employee ($millions) | 2.0302% | 7,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1686% | 153 |
| Loan loss allowance to noncurrent loans | 150.0000% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 2.5244% | 2,882 |
| Noncurrent loans to loans | 3.4457% | 2,311 |
| Net loans and leases to total assets | 63.0367% | 4,527 |
| Net loans and leases to deposits | 70.3868% | 5,286 |
| Net loans and leases to core deposits | 71.2324% | 5,800 |
| Total domestic deposits to total assets | 89.5575% | 1,204 |
| Equity capital to assets | 10.2126% | 3,590 |
| Core capital (leverage) ratio | 8.8408% | 4,805 |
| Tier 1 risk-based capital ratio | 12.3398% | 4,873 |
| Total risk-based capital ratio | 12.3398% | 6,041 |
| Memoranda: | ||
| Average total assets | $24,738,500 | 7,597 |
| Average earning assets | $23,332,500 | 7,556 |
| Average equity | $2,496,500 | 7,633 |
| Average total loans | $17,125,500 | 7,308 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6847% | 479 |
| Cost of funding earning assets | 1.9038% | 3,447 |
| Net interest margin | 4.7809% | 719 |
| Noninterest income to average assets | 0.6029% | 3,613 |
| Noninterest expense to average assets | 5.8634% | 329 |
| Loan and lease loss provision to assets | 0.7802% | 2,783 |
| Net operating income to assets | -1.6274% | 6,921 |
| Return on assets (ROA) | -1.6274% | 6,927 |
| Pretax return on assets | -1.6274% | 6,774 |
| Return on Equity (ROE) | -15.4798% | 6,961 |
| Retained earnings to average equity (ytd only) | -15.4798% | 6,911 |
| Net charge-offs to loans | 2.2117% | 1,074 |
| Credit loss provision to net charge-offs | 47.2554% | 6,778 |
| Earnings coverage of net charge-offs (x) | -0.5131% | 6,700 |
| Efficiency ratio | 93.4800% | 1,445 |
| Assets per employee ($millions) | 1.3218% | 7,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1780% | 156 |
| Loan loss allowance to noncurrent loans | 112.9227% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 3.5238% | 1,903 |
| Noncurrent loans to loans | 4.5855% | 1,540 |
| Net loans and leases to total assets | 68.1744% | 3,666 |
| Net loans and leases to deposits | 76.1079% | 4,728 |
| Net loans and leases to core deposits | 88.1623% | 5,309 |
| Total domestic deposits to total assets | 89.5760% | 1,169 |
| Equity capital to assets | 9.9741% | 3,794 |
| Core capital (leverage) ratio | 9.2044% | 4,113 |
| Tier 1 risk-based capital ratio | 11.1212% | 5,807 |
| Total risk-based capital ratio | 12.4272% | 5,702 |
| Memoranda: | ||
| Average total assets | $25,377,800 | 7,631 |
| Average earning assets | $23,426,600 | 7,604 |
| Average equity | $2,668,000 | 7,686 |
| Average total loans | $18,944,800 | 7,259 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1161% | 254 |
| Cost of funding earning assets | 2.0103% | 3,303 |
| Net interest margin | 5.1058% | 362 |
| Noninterest income to average assets | 0.5188% | 4,327 |
| Noninterest expense to average assets | 6.0472% | 304 |
| Loan and lease loss provision to assets | 1.0376% | 1,850 |
| Net operating income to assets | -1.8812% | 7,266 |
| Return on assets (ROA) | -1.8812% | 7,271 |
| Pretax return on assets | -1.8812% | 7,126 |
| Return on Equity (ROE) | -17.6705% | 7,299 |
| Retained earnings to average equity (ytd only) | -17.6705% | 7,262 |
| Net charge-offs to loans | 0.9252% | 2,117 |
| Credit loss provision to net charge-offs | 148.8722% | 3,238 |
| Earnings coverage of net charge-offs (x) | -1.2105% | 6,660 |
| Efficiency ratio | 86.3041% | 2,028 |
| Assets per employee ($millions) | 2.5012% | 7,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1838% | 77 |
| Loan loss allowance to noncurrent loans | 130.7281% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 3.9621% | 1,626 |
| Noncurrent loans to loans | 4.7303% | 1,449 |
| Net loans and leases to total assets | 74.0605% | 2,502 |
| Net loans and leases to deposits | 88.6273% | 2,848 |
| Net loans and leases to core deposits | 103.9390% | 3,944 |
| Total domestic deposits to total assets | 83.5639% | 3,923 |
| Equity capital to assets | 10.2271% | 3,813 |
| Core capital (leverage) ratio | 9.3142% | 4,169 |
| Tier 1 risk-based capital ratio | 10.7470% | 6,213 |
| Total risk-based capital ratio | 12.0522% | 6,119 |
| Memoranda: | ||
| Average total assets | $25,443,500 | 7,702 |
| Average earning assets | $23,345,500 | 7,679 |
| Average equity | $2,708,750 | 7,748 |
| Average total loans | $19,166,750 | 7,309 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6962% | 540 |
| Cost of funding earning assets | 2.0979% | 3,275 |
| Net interest margin | 4.5983% | 955 |
| Noninterest income to average assets | 0.6409% | 3,408 |
| Noninterest expense to average assets | 6.0499% | 314 |
| Loan and lease loss provision to assets | 0.6019% | 2,643 |
| Net operating income to assets | -1.8134% | 7,372 |
| Return on assets (ROA) | -1.8134% | 7,365 |
| Pretax return on assets | -1.8134% | 7,219 |
| Return on Equity (ROE) | -16.8177% | 7,416 |
| Retained earnings to average equity (ytd only) | -16.8177% | 7,338 |
| Net charge-offs to loans | -0.6219% | 8,113 |
| Credit loss provision to net charge-offs | -130.5085% | 6,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3376% | 1,877 |
| Assets per employee ($millions) | 2.2276% | 7,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8400% | 55 |
| Loan loss allowance to noncurrent loans | 127.4162% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 4.1381% | 1,407 |
| Noncurrent loans to loans | 5.3682% | 1,096 |
| Net loans and leases to total assets | 71.8128% | 3,275 |
| Net loans and leases to deposits | 80.7980% | 4,420 |
| Net loans and leases to core deposits | 96.5913% | 4,835 |
| Total domestic deposits to total assets | 88.8794% | 1,326 |
| Equity capital to assets | 10.8635% | 3,046 |
| Core capital (leverage) ratio | 8.9597% | 4,698 |
| Tier 1 risk-based capital ratio | 12.5204% | 4,508 |
| Total risk-based capital ratio | 13.8893% | 4,325 |
| Memoranda: | ||
| Average total assets | $25,587,330 | 7,770 |
| Average earning assets | $23,356,670 | 7,752 |
| Average equity | $2,759,000 | 7,803 |
| Average total loans | $18,974,000 | 7,396 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2747% | 231 |
| Cost of funding earning assets | 2.1875% | 3,230 |
| Net interest margin | 5.0872% | 334 |
| Noninterest income to average assets | 0.1684% | 7,102 |
| Noninterest expense to average assets | 4.0109% | 1,172 |
| Loan and lease loss provision to assets | 1.1788% | 1,099 |
| Net operating income to assets | -0.4286% | 6,811 |
| Return on assets (ROA) | -0.4286% | 6,877 |
| Pretax return on assets | -0.4286% | 6,764 |
| Return on Equity (ROE) | -3.9893% | 6,893 |
| Retained earnings to average equity (ytd only) | -3.9893% | 6,427 |
| Net charge-offs to loans | 1.6617% | 869 |
| Credit loss provision to net charge-offs | 97.4684% | 3,851 |
| Earnings coverage of net charge-offs (x) | 0.6203% | 4,497 |
| Efficiency ratio | 83.2797% | 2,381 |
| Assets per employee ($millions) | 2.3789% | 7,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0305% | 67 |
| Loan loss allowance to noncurrent loans | 77.6059% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 5.6825% | 735 |
| Noncurrent loans to loans | 7.7707% | 474 |
| Net loans and leases to total assets | 68.7175% | 3,965 |
| Net loans and leases to deposits | 77.2522% | 5,048 |
| Net loans and leases to core deposits | 91.7964% | 5,367 |
| Total domestic deposits to total assets | 88.9522% | 1,250 |
| Equity capital to assets | 10.7842% | 3,200 |
| Core capital (leverage) ratio | 8.6651% | 5,224 |
| Tier 1 risk-based capital ratio | 11.8242% | 5,097 |
| Total risk-based capital ratio | 13.1345% | 4,961 |
| Memoranda: | ||
| Average total assets | $26,129,000 | 7,793 |
| Average earning assets | $23,588,500 | 7,786 |
| Average equity | $2,807,500 | 7,833 |
| Average total loans | $19,016,500 | 7,437 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8056% | 246 |
| Cost of funding earning assets | 2.8885% | 2,318 |
| Net interest margin | 4.9171% | 615 |
| Noninterest income to average assets | -0.3732% | 8,258 |
| Noninterest expense to average assets | 3.8764% | 1,603 |
| Loan and lease loss provision to assets | 7.8619% | 26 |
| Net operating income to assets | -7.1472% | 8,201 |
| Return on assets (ROA) | -7.1472% | 8,196 |
| Pretax return on assets | -7.6823% | 8,188 |
| Return on Equity (ROE) | -82.1862% | 8,253 |
| Retained earnings to average equity (ytd only) | -82.1862% | 8,249 |
| Net charge-offs to loans | 7.4594% | 33 |
| Credit loss provision to net charge-offs | 144.3439% | 3,663 |
| Earnings coverage of net charge-offs (x) | 0.0330% | 6,227 |
| Efficiency ratio | 94.5313% | 1,243 |
| Assets per employee ($millions) | 2.8989% | 6,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1174% | 51 |
| Loan loss allowance to noncurrent loans | 96.7364% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 4.5803% | 813 |
| Noncurrent loans to loans | 6.3238% | 525 |
| Net loans and leases to total assets | 67.9992% | 4,467 |
| Net loans and leases to deposits | 76.4303% | 5,543 |
| Net loans and leases to core deposits | 89.2045% | 5,875 |
| Total domestic deposits to total assets | 88.9690% | 1,053 |
| Equity capital to assets | 10.7053% | 3,292 |
| Core capital (leverage) ratio | 9.1438% | 4,536 |
| Tier 1 risk-based capital ratio | 12.1735% | 4,688 |
| Total risk-based capital ratio | 13.4846% | 4,532 |
| Memoranda: | ||
| Average total assets | $28,402,800 | 7,709 |
| Average earning assets | $25,584,200 | 7,710 |
| Average equity | $2,470,000 | 8,002 |
| Average total loans | $20,738,800 | 7,283 |