Home > Security Home Bank > Performance and Condition Ratios
Security Home Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8445% | 1,988 |
| Cost of funding earning assets | 1.1540% | 1,160 |
| Net interest margin | 3.6905% | 2,952 |
| Noninterest income to average assets | 0.2238% | 4,393 |
| Noninterest expense to average assets | 2.3238% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0913% | 2,606 |
| Return on assets (ROA) | 1.0913% | 2,696 |
| Pretax return on assets | 1.4012% | 2,312 |
| Return on Equity (ROE) | 8.2250% | 3,222 |
| Retained earnings to average equity (ytd only) | 8.2250% | 1,307 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3845% | 3,265 |
| Assets per employee ($millions) | 7.6002% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 81.2689% | 672 |
| Net loans and leases to deposits | 125.7093% | 62 |
| Net loans and leases to core deposits | 131.2885% | 277 |
| Total domestic deposits to total assets | 64.6483% | 5,113 |
| Equity capital to assets | 13.9944% | 1,156 |
| Core capital (leverage) ratio | 13.7722% | 1,046 |
| Tier 1 risk-based capital ratio | 17.6241% | 1,916 |
| Total risk-based capital ratio | 18.8820% | 1,876 |
| Memoranda: | ||
| Average total assets | $38,729,000 | 4,989 |
| Average earning assets | $36,742,000 | 4,959 |
| Average equity | $5,138,750 | 4,934 |
| Average total loans | $32,724,750 | 4,650 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7259% | 2,285 |
| Cost of funding earning assets | 1.1450% | 1,149 |
| Net interest margin | 3.5808% | 3,330 |
| Noninterest income to average assets | 0.1386% | 4,878 |
| Noninterest expense to average assets | 2.4069% | 3,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8827% | 3,347 |
| Return on assets (ROA) | 0.8827% | 3,413 |
| Pretax return on assets | 1.1342% | 3,139 |
| Return on Equity (ROE) | 6.7730% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.7730% | 1,919 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9710% | 2,534 |
| Assets per employee ($millions) | 7.6038% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7946% | 688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 82.3325% | 555 |
| Net loans and leases to deposits | 127.0373% | 54 |
| Net loans and leases to core deposits | 134.0614% | 256 |
| Total domestic deposits to total assets | 64.8097% | 5,158 |
| Equity capital to assets | 13.5958% | 1,280 |
| Core capital (leverage) ratio | 12.8789% | 1,365 |
| Tier 1 risk-based capital ratio | 17.0453% | 2,074 |
| Total risk-based capital ratio | 18.3040% | 2,018 |
| Memoranda: | ||
| Average total assets | $38,971,670 | 5,023 |
| Average earning assets | $37,030,330 | 4,992 |
| Average equity | $5,079,000 | 4,976 |
| Average total loans | $33,148,000 | 4,671 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5493% | 2,700 |
| Cost of funding earning assets | 1.0867% | 1,232 |
| Net interest margin | 3.4626% | 3,709 |
| Noninterest income to average assets | 0.1318% | 4,941 |
| Noninterest expense to average assets | 2.4133% | 3,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7909% | 3,654 |
| Return on assets (ROA) | 0.7909% | 3,703 |
| Pretax return on assets | 1.0140% | 3,399 |
| Return on Equity (ROE) | 6.1979% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.1979% | 2,371 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4142% | 2,276 |
| Assets per employee ($millions) | 6.4803% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7277% | 812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 83.6763% | 400 |
| Net loans and leases to deposits | 131.1366% | 39 |
| Net loans and leases to core deposits | 138.2938% | 203 |
| Total domestic deposits to total assets | 63.8084% | 5,244 |
| Equity capital to assets | 13.0523% | 1,424 |
| Core capital (leverage) ratio | 12.5435% | 1,485 |
| Tier 1 risk-based capital ratio | 16.1108% | 2,386 |
| Total risk-based capital ratio | 17.3693% | 2,337 |
| Memoranda: | ||
| Average total assets | $39,448,000 | 5,069 |
| Average earning assets | $37,544,500 | 5,037 |
| Average equity | $5,034,000 | 5,022 |
| Average total loans | $33,785,000 | 4,707 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5111% | 2,430 |
| Cost of funding earning assets | 0.8969% | 1,106 |
| Net interest margin | 3.6142% | 3,329 |
| Noninterest income to average assets | 0.1735% | 4,860 |
| Noninterest expense to average assets | 2.5014% | 3,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8422% | 3,636 |
| Return on assets (ROA) | 0.8422% | 3,636 |
| Pretax return on assets | 1.1062% | 3,241 |
| Return on Equity (ROE) | 6.9109% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.9109% | 1,714 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3380% | 2,320 |
| Assets per employee ($millions) | 6.6690% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6598% | 906 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 84.6979% | 347 |
| Net loans and leases to deposits | 138.2403% | 25 |
| Net loans and leases to core deposits | 142.7711% | 173 |
| Total domestic deposits to total assets | 61.2686% | 5,308 |
| Equity capital to assets | 12.4781% | 1,588 |
| Core capital (leverage) ratio | 12.2565% | 1,583 |
| Tier 1 risk-based capital ratio | 15.1415% | 2,759 |
| Total risk-based capital ratio | 16.3968% | 2,692 |
| Memoranda: | ||
| Average total assets | $39,777,600 | 5,102 |
| Average earning assets | $37,795,800 | 5,076 |
| Average equity | $4,847,400 | 5,069 |
| Average total loans | $34,003,800 | 4,715 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4714% | 2,394 |
| Cost of funding earning assets | 0.8448% | 1,135 |
| Net interest margin | 3.6266% | 3,278 |
| Noninterest income to average assets | 0.1813% | 4,876 |
| Noninterest expense to average assets | 2.3297% | 4,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0071% | 3,053 |
| Return on assets (ROA) | 1.0071% | 3,069 |
| Pretax return on assets | 1.2957% | 2,644 |
| Return on Equity (ROE) | 8.3141% | 3,412 |
| Retained earnings to average equity (ytd only) | 8.3141% | 1,507 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2593% | 3,136 |
| Assets per employee ($millions) | 6.7082% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 83.3064% | 534 |
| Net loans and leases to deposits | 140.9179% | 22 |
| Net loans and leases to core deposits | 147.3134% | 148 |
| Total domestic deposits to total assets | 59.1170% | 5,400 |
| Equity capital to assets | 12.3283% | 1,683 |
| Core capital (leverage) ratio | 12.2902% | 1,622 |
| Tier 1 risk-based capital ratio | 15.2006% | 2,788 |
| Total risk-based capital ratio | 16.4572% | 2,708 |
| Memoranda: | ||
| Average total assets | $39,718,500 | 5,166 |
| Average earning assets | $37,720,000 | 5,141 |
| Average equity | $4,811,000 | 5,136 |
| Average total loans | $33,889,000 | 4,769 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4253% | 2,333 |
| Cost of funding earning assets | 0.7800% | 1,218 |
| Net interest margin | 3.6453% | 3,133 |
| Noninterest income to average assets | 0.1973% | 4,837 |
| Noninterest expense to average assets | 2.3621% | 3,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0166% | 2,941 |
| Return on assets (ROA) | 1.0166% | 2,950 |
| Pretax return on assets | 1.3100% | 2,468 |
| Return on Equity (ROE) | 8.4442% | 3,292 |
| Retained earnings to average equity (ytd only) | 8.4442% | 1,430 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3251% | 3,273 |
| Assets per employee ($millions) | 6.4232% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7495% | 823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 83.3519% | 536 |
| Net loans and leases to deposits | 133.4012% | 32 |
| Net loans and leases to core deposits | 139.3502% | 202 |
| Total domestic deposits to total assets | 62.4822% | 5,427 |
| Equity capital to assets | 12.6288% | 1,473 |
| Core capital (leverage) ratio | 12.2117% | 1,592 |
| Tier 1 risk-based capital ratio | 15.6528% | 2,565 |
| Total risk-based capital ratio | 16.9108% | 2,507 |
| Memoranda: | ||
| Average total assets | $39,541,670 | 5,224 |
| Average earning assets | $37,692,330 | 5,203 |
| Average equity | $4,760,670 | 5,199 |
| Average total loans | $33,818,000 | 4,812 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 2,670 |
| Cost of funding earning assets | 0.7432% | 1,218 |
| Net interest margin | 3.5171% | 3,473 |
| Noninterest income to average assets | 0.1498% | 5,117 |
| Noninterest expense to average assets | 2.3675% | 4,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8791% | 3,373 |
| Return on assets (ROA) | 0.8791% | 3,390 |
| Pretax return on assets | 1.1388% | 3,008 |
| Return on Equity (ROE) | 7.4774% | 3,599 |
| Retained earnings to average equity (ytd only) | 7.4774% | 2,060 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5214% | 2,911 |
| Assets per employee ($millions) | 6.5197% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7243% | 904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 83.3402% | 505 |
| Net loans and leases to deposits | 133.9675% | 28 |
| Net loans and leases to core deposits | 139.8464% | 215 |
| Total domestic deposits to total assets | 62.2092% | 5,508 |
| Equity capital to assets | 12.1504% | 1,685 |
| Core capital (leverage) ratio | 11.7045% | 1,844 |
| Tier 1 risk-based capital ratio | 15.1474% | 2,806 |
| Total risk-based capital ratio | 16.4047% | 2,738 |
| Memoranda: | ||
| Average total assets | $40,043,000 | 5,277 |
| Average earning assets | $38,213,000 | 5,253 |
| Average equity | $4,707,500 | 5,263 |
| Average total loans | $34,379,500 | 4,851 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2191% | 2,617 |
| Cost of funding earning assets | 0.7002% | 1,015 |
| Net interest margin | 3.5189% | 3,468 |
| Noninterest income to average assets | 0.1445% | 5,224 |
| Noninterest expense to average assets | 2.4686% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7420% | 3,418 |
| Return on assets (ROA) | 0.7420% | 3,461 |
| Pretax return on assets | 1.0237% | 3,482 |
| Return on Equity (ROE) | 6.7163% | 3,428 |
| Retained earnings to average equity (ytd only) | 6.7163% | 1,186 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6872% | 2,441 |
| Assets per employee ($millions) | 6.8280% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 1,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 85.4667% | 290 |
| Net loans and leases to deposits | 145.6489% | 18 |
| Net loans and leases to core deposits | 152.0959% | 123 |
| Total domestic deposits to total assets | 58.6799% | 5,593 |
| Equity capital to assets | 11.3796% | 2,302 |
| Core capital (leverage) ratio | 10.9681% | 2,368 |
| Tier 1 risk-based capital ratio | 13.7049% | 3,519 |
| Total risk-based capital ratio | 14.9625% | 3,429 |
| Memoranda: | ||
| Average total assets | $40,833,600 | 5,317 |
| Average earning assets | $38,847,400 | 5,293 |
| Average equity | $4,511,400 | 5,346 |
| Average total loans | $34,056,000 | 4,898 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1925% | 2,645 |
| Cost of funding earning assets | 0.6953% | 987 |
| Net interest margin | 3.4972% | 3,509 |
| Noninterest income to average assets | 0.1405% | 5,307 |
| Noninterest expense to average assets | 2.2581% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7843% | 3,585 |
| Return on assets (ROA) | 0.7843% | 3,642 |
| Pretax return on assets | 1.2026% | 2,897 |
| Return on Equity (ROE) | 7.1526% | 3,566 |
| Retained earnings to average equity (ytd only) | 7.1526% | 1,610 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2502% | 3,334 |
| Assets per employee ($millions) | 7.0582% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 1,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 81.9972% | 688 |
| Net loans and leases to deposits | 144.7659% | 15 |
| Net loans and leases to core deposits | 151.2149% | 117 |
| Total domestic deposits to total assets | 56.6412% | 5,668 |
| Equity capital to assets | 10.8503% | 3,017 |
| Core capital (leverage) ratio | 10.7412% | 2,714 |
| Tier 1 risk-based capital ratio | 13.6906% | 3,586 |
| Total risk-based capital ratio | 14.9462% | 3,514 |
| Memoranda: | ||
| Average total assets | $40,800,000 | 5,376 |
| Average earning assets | $38,734,500 | 5,352 |
| Average equity | $4,473,750 | 5,404 |
| Average total loans | $33,673,500 | 4,958 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2080% | 2,441 |
| Cost of funding earning assets | 0.6699% | 1,040 |
| Net interest margin | 3.5381% | 3,262 |
| Noninterest income to average assets | 0.1489% | 5,319 |
| Noninterest expense to average assets | 2.2739% | 4,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8043% | 3,379 |
| Return on assets (ROA) | 0.8043% | 3,438 |
| Pretax return on assets | 1.2313% | 2,654 |
| Return on Equity (ROE) | 7.3083% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.3083% | 1,448 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8725% | 3,519 |
| Assets per employee ($millions) | 6.7547% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7083% | 1,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 81.2056% | 787 |
| Net loans and leases to deposits | 137.7606% | 27 |
| Net loans and leases to core deposits | 143.8921% | 160 |
| Total domestic deposits to total assets | 58.9469% | 5,709 |
| Equity capital to assets | 11.1404% | 2,663 |
| Core capital (leverage) ratio | 10.9066% | 2,494 |
| Tier 1 risk-based capital ratio | 14.1578% | 3,335 |
| Total risk-based capital ratio | 15.4144% | 3,251 |
| Memoranda: | ||
| Average total assets | $40,283,670 | 5,429 |
| Average earning assets | $38,213,000 | 5,405 |
| Average equity | $4,433,330 | 5,453 |
| Average total loans | $33,132,330 | 5,004 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 2,609 |
| Cost of funding earning assets | 0.6311% | 1,181 |
| Net interest margin | 3.4816% | 3,346 |
| Noninterest income to average assets | 0.1693% | 5,261 |
| Noninterest expense to average assets | 2.2011% | 4,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8267% | 3,095 |
| Return on assets (ROA) | 0.8267% | 3,148 |
| Pretax return on assets | 1.2649% | 2,371 |
| Return on Equity (ROE) | 7.5583% | 3,134 |
| Retained earnings to average equity (ytd only) | 7.5583% | 1,628 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5057% | 3,915 |
| Assets per employee ($millions) | 6.4688% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8080% | 946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 80.0402% | 824 |
| Net loans and leases to deposits | 125.4381% | 55 |
| Net loans and leases to core deposits | 129.4255% | 270 |
| Total domestic deposits to total assets | 63.8085% | 5,744 |
| Equity capital to assets | 11.4240% | 2,239 |
| Core capital (leverage) ratio | 10.8428% | 2,550 |
| Tier 1 risk-based capital ratio | 14.5615% | 3,170 |
| Total risk-based capital ratio | 15.8198% | 3,098 |
| Memoranda: | ||
| Average total assets | $40,161,500 | 5,496 |
| Average earning assets | $38,028,500 | 5,464 |
| Average equity | $4,392,500 | 5,512 |
| Average total loans | $32,957,000 | 5,059 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2573% | 2,284 |
| Cost of funding earning assets | 0.5929% | 1,391 |
| Net interest margin | 3.6644% | 2,844 |
| Noninterest income to average assets | 0.1478% | 5,462 |
| Noninterest expense to average assets | 2.3918% | 4,319 |
| Loan and lease loss provision to assets | 0.0887% | 2,591 |
| Net operating income to assets | 0.7365% | 3,612 |
| Return on assets (ROA) | 0.7365% | 3,721 |
| Pretax return on assets | 1.1233% | 3,003 |
| Return on Equity (ROE) | 7.0944% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.0944% | 1,191 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3705% | 3,534 |
| Assets per employee ($millions) | 5.9300% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 1,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 81.1949% | 715 |
| Net loans and leases to deposits | 137.5561% | 26 |
| Net loans and leases to core deposits | 139.0142% | 185 |
| Total domestic deposits to total assets | 59.0267% | 5,832 |
| Equity capital to assets | 10.4818% | 3,177 |
| Core capital (leverage) ratio | 9.8476% | 3,692 |
| Tier 1 risk-based capital ratio | 13.1584% | 3,969 |
| Total risk-based capital ratio | 14.4155% | 3,894 |
| Memoranda: | ||
| Average total assets | $40,596,400 | 5,529 |
| Average earning assets | $38,287,000 | 5,505 |
| Average equity | $4,214,600 | 5,609 |
| Average total loans | $33,322,800 | 5,091 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3027% | 2,152 |
| Cost of funding earning assets | 0.5961% | 1,362 |
| Net interest margin | 3.7065% | 2,696 |
| Noninterest income to average assets | 0.1486% | 5,520 |
| Noninterest expense to average assets | 2.2294% | 4,691 |
| Loan and lease loss provision to assets | 0.1189% | 1,947 |
| Net operating income to assets | 0.8422% | 3,187 |
| Return on assets (ROA) | 0.8422% | 3,301 |
| Pretax return on assets | 1.2914% | 2,464 |
| Return on Equity (ROE) | 8.1328% | 2,941 |
| Retained earnings to average equity (ytd only) | 8.1328% | 1,119 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2523% | 4,343 |
| Assets per employee ($millions) | 5.6279% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7624% | 1,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 80.9316% | 770 |
| Net loans and leases to deposits | 132.4815% | 34 |
| Net loans and leases to core deposits | 133.9566% | 247 |
| Total domestic deposits to total assets | 61.0890% | 5,878 |
| Equity capital to assets | 10.9329% | 3,085 |
| Core capital (leverage) ratio | 10.7720% | 2,709 |
| Tier 1 risk-based capital ratio | 13.8132% | 3,659 |
| Total risk-based capital ratio | 15.0702% | 3,584 |
| Memoranda: | ||
| Average total assets | $40,368,000 | 5,594 |
| Average earning assets | $38,022,000 | 5,562 |
| Average equity | $4,180,500 | 5,679 |
| Average total loans | $33,084,500 | 5,147 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3237% | 2,080 |
| Cost of funding earning assets | 0.5901% | 1,397 |
| Net interest margin | 3.7336% | 2,572 |
| Noninterest income to average assets | 0.1425% | 5,599 |
| Noninterest expense to average assets | 2.2068% | 4,828 |
| Loan and lease loss provision to assets | 0.1180% | 1,932 |
| Net operating income to assets | 0.8699% | 3,007 |
| Return on assets (ROA) | 0.8699% | 3,121 |
| Pretax return on assets | 1.3319% | 2,278 |
| Return on Equity (ROE) | 8.5542% | 2,722 |
| Retained earnings to average equity (ytd only) | 8.5542% | 992 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3495% | 4,594 |
| Assets per employee ($millions) | 5.5277% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7653% | 1,147 |
| Loan loss allowance to noncurrent loans | 165.6805% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 2,412 |
| Noncurrent loans to loans | 1.0655% | 2,159 |
| Net loans and leases to total assets | 80.5370% | 821 |
| Net loans and leases to deposits | 126.7974% | 59 |
| Net loans and leases to core deposits | 128.1690% | 329 |
| Total domestic deposits to total assets | 63.5163% | 5,939 |
| Equity capital to assets | 10.9268% | 3,141 |
| Core capital (leverage) ratio | 10.2950% | 3,202 |
| Tier 1 risk-based capital ratio | 13.9146% | 3,651 |
| Total risk-based capital ratio | 15.1742% | 3,566 |
| Memoranda: | ||
| Average total assets | $40,692,330 | 5,648 |
| Average earning assets | $38,300,330 | 5,623 |
| Average equity | $4,138,330 | 5,747 |
| Average total loans | $33,294,330 | 5,196 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3044% | 2,119 |
| Cost of funding earning assets | 0.5814% | 1,469 |
| Net interest margin | 3.7230% | 2,581 |
| Noninterest income to average assets | 0.1439% | 5,623 |
| Noninterest expense to average assets | 2.1779% | 4,955 |
| Loan and lease loss provision to assets | 0.1151% | 1,817 |
| Net operating income to assets | 0.8923% | 2,796 |
| Return on assets (ROA) | 0.8923% | 2,922 |
| Pretax return on assets | 1.3528% | 2,080 |
| Return on Equity (ROE) | 9.0876% | 2,386 |
| Retained earnings to average equity (ytd only) | 9.0876% | 1,094 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7368% | 4,784 |
| Assets per employee ($millions) | 5.7756% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 1,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 79.6507% | 868 |
| Net loans and leases to deposits | 131.9646% | 30 |
| Net loans and leases to core deposits | 133.3913% | 233 |
| Total domestic deposits to total assets | 60.3577% | 6,033 |
| Equity capital to assets | 10.2501% | 3,792 |
| Core capital (leverage) ratio | 9.5278% | 4,137 |
| Tier 1 risk-based capital ratio | 13.1386% | 4,172 |
| Total risk-based capital ratio | 14.3960% | 4,089 |
| Memoranda: | ||
| Average total assets | $41,691,500 | 5,682 |
| Average earning assets | $39,215,500 | 5,656 |
| Average equity | $4,093,500 | 5,797 |
| Average total loans | $34,080,000 | 5,210 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 2,130 |
| Cost of funding earning assets | 0.5214% | 1,983 |
| Net interest margin | 3.8047% | 2,356 |
| Noninterest income to average assets | 0.1338% | 5,743 |
| Noninterest expense to average assets | 2.4028% | 4,507 |
| Loan and lease loss provision to assets | 0.1189% | 2,005 |
| Net operating income to assets | 0.7951% | 3,360 |
| Return on assets (ROA) | 0.7951% | 3,440 |
| Pretax return on assets | 1.2088% | 2,625 |
| Return on Equity (ROE) | 8.2401% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.2401% | 839 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4090% | 4,184 |
| Assets per employee ($millions) | 6.1363% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 1,942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 81.1892% | 677 |
| Net loans and leases to deposits | 137.7385% | 21 |
| Net loans and leases to core deposits | 139.1676% | 176 |
| Total domestic deposits to total assets | 58.9445% | 6,099 |
| Equity capital to assets | 9.4124% | 4,658 |
| Core capital (leverage) ratio | 9.6707% | 3,944 |
| Tier 1 risk-based capital ratio | 11.8511% | 5,043 |
| Total risk-based capital ratio | 13.1070% | 4,954 |
| Memoranda: | ||
| Average total assets | $40,370,200 | 5,758 |
| Average earning assets | $38,163,600 | 5,725 |
| Average equity | $3,895,600 | 5,868 |
| Average total loans | $33,157,600 | 5,254 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 1,995 |
| Cost of funding earning assets | 0.5257% | 1,993 |
| Net interest margin | 3.8504% | 2,184 |
| Noninterest income to average assets | 0.1208% | 5,872 |
| Noninterest expense to average assets | 2.2555% | 4,893 |
| Loan and lease loss provision to assets | 0.1208% | 1,885 |
| Net operating income to assets | 0.9129% | 2,901 |
| Return on assets (ROA) | 0.9129% | 2,986 |
| Pretax return on assets | 1.3828% | 2,086 |
| Return on Equity (ROE) | 9.3984% | 2,350 |
| Retained earnings to average equity (ytd only) | 9.3984% | 761 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 4,887 |
| Assets per employee ($millions) | 5.5691% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 1,592 |
| 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 | 79.7917% | 847 |
| Net loans and leases to deposits | 126.0833% | 59 |
| Net loans and leases to core deposits | 127.4157% | 315 |
| Total domestic deposits to total assets | 63.2849% | 6,143 |
| Equity capital to assets | 10.2555% | 3,869 |
| Core capital (leverage) ratio | 9.7365% | 3,987 |
| Tier 1 risk-based capital ratio | 13.2224% | 4,305 |
| Total risk-based capital ratio | 14.4796% | 4,222 |
| Memoranda: | ||
| Average total assets | $39,724,250 | 5,844 |
| Average earning assets | $37,536,000 | 5,814 |
| Average equity | $3,858,750 | 5,957 |
| Average total loans | $32,594,500 | 5,339 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 2,113 |
| Cost of funding earning assets | 0.5246% | 2,033 |
| Net interest margin | 3.7939% | 2,340 |
| Noninterest income to average assets | 0.2001% | 5,480 |
| Noninterest expense to average assets | 2.2767% | 4,904 |
| Loan and lease loss provision to assets | 0.1201% | 1,841 |
| Net operating income to assets | 0.9157% | 2,800 |
| Return on assets (ROA) | 0.9157% | 2,930 |
| Pretax return on assets | 1.3860% | 2,042 |
| Return on Equity (ROE) | 9.6004% | 2,255 |
| Retained earnings to average equity (ytd only) | 9.6004% | 753 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1852% | 4,946 |
| Assets per employee ($millions) | 5.8226% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 2,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 3,994 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 79.2507% | 904 |
| Net loans and leases to deposits | 128.1430% | 49 |
| Net loans and leases to core deposits | 128.1430% | 307 |
| Total domestic deposits to total assets | 61.8455% | 6,234 |
| Equity capital to assets | 9.5760% | 4,566 |
| Core capital (leverage) ratio | 9.5080% | 4,272 |
| Tier 1 risk-based capital ratio | 12.2697% | 4,955 |
| Total risk-based capital ratio | 13.5232% | 4,853 |
| Memoranda: | ||
| Average total assets | $39,971,000 | 5,902 |
| Average earning assets | $37,744,670 | 5,869 |
| Average equity | $3,812,330 | 6,024 |
| Average total loans | $32,916,000 | 5,375 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 2,238 |
| Cost of funding earning assets | 0.5217% | 2,094 |
| Net interest margin | 3.7372% | 2,481 |
| Noninterest income to average assets | 0.2325% | 5,297 |
| Noninterest expense to average assets | 2.2235% | 5,089 |
| Loan and lease loss provision to assets | 0.1213% | 1,711 |
| Net operating income to assets | 0.9500% | 2,510 |
| Return on assets (ROA) | 0.9500% | 2,644 |
| Pretax return on assets | 1.4352% | 1,757 |
| Return on Equity (ROE) | 9.9814% | 2,017 |
| Retained earnings to average equity (ytd only) | 9.9814% | 931 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8235% | 5,241 |
| Assets per employee ($millions) | 5.5446% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 2,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 3,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 81.0394% | 565 |
| Net loans and leases to deposits | 123.1471% | 63 |
| Net loans and leases to core deposits | 123.1471% | 349 |
| Total domestic deposits to total assets | 65.8070% | 6,245 |
| Equity capital to assets | 9.8372% | 4,339 |
| Core capital (leverage) ratio | 9.3901% | 4,447 |
| Tier 1 risk-based capital ratio | 12.3733% | 4,993 |
| Total risk-based capital ratio | 13.6271% | 4,904 |
| Memoranda: | ||
| Average total assets | $39,577,500 | 5,965 |
| Average earning assets | $37,568,500 | 5,932 |
| Average equity | $3,767,000 | 6,093 |
| Average total loans | $32,967,500 | 5,403 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 1,935 |
| Cost of funding earning assets | 0.5341% | 2,339 |
| Net interest margin | 3.9499% | 2,052 |
| Noninterest income to average assets | 0.2020% | 5,653 |
| Noninterest expense to average assets | 2.4725% | 4,631 |
| Loan and lease loss provision to assets | 0.1227% | 2,136 |
| Net operating income to assets | 0.8540% | 3,098 |
| Return on assets (ROA) | 0.8540% | 3,195 |
| Pretax return on assets | 1.2938% | 2,262 |
| Return on Equity (ROE) | 9.0056% | 2,582 |
| Retained earnings to average equity (ytd only) | 3.9366% | 3,411 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5766% | 4,653 |
| Assets per employee ($millions) | 5.7633% | 1,549 |
| Cash dividends to net income (ytd only)* | 56.2874% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 2,767 |
| Loan loss allowance to noncurrent loans | 464.7619% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 3,330 |
| Noncurrent loans to loans | 0.3090% | 4,735 |
| Net loans and leases to total assets | 83.0231% | 429 |
| Net loans and leases to deposits | 138.8813% | 25 |
| Net loans and leases to core deposits | 138.8813% | 174 |
| Total domestic deposits to total assets | 59.7799% | 6,407 |
| Equity capital to assets | 9.2110% | 5,058 |
| Core capital (leverage) ratio | 9.0110% | 4,985 |
| Tier 1 risk-based capital ratio | 11.2297% | 5,803 |
| Total risk-based capital ratio | 12.4827% | 5,727 |
| Memoranda: | ||
| Average total assets | $39,110,800 | 6,059 |
| Average earning assets | $36,506,800 | 6,028 |
| Average equity | $3,708,800 | 6,144 |
| Average total loans | $31,794,000 | 5,492 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 1,921 |
| Cost of funding earning assets | 0.5364% | 2,409 |
| Net interest margin | 3.9510% | 2,034 |
| Noninterest income to average assets | 0.1959% | 5,751 |
| Noninterest expense to average assets | 2.2438% | 5,243 |
| Loan and lease loss provision to assets | 0.1237% | 2,019 |
| Net operating income to assets | 0.9930% | 2,478 |
| Return on assets (ROA) | 0.9930% | 2,542 |
| Pretax return on assets | 1.4981% | 1,652 |
| Return on Equity (ROE) | 10.3944% | 2,038 |
| Retained earnings to average equity (ytd only) | 10.3944% | 617 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0444% | 5,437 |
| Assets per employee ($millions) | 5.6387% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 2,736 |
| Loan loss allowance to noncurrent loans | 3,966.6667% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.5320% | 4,277 |
| Noncurrent loans to loans | 0.0377% | 5,871 |
| Net loans and leases to total assets | 79.4051% | 784 |
| Net loans and leases to deposits | 130.8752% | 41 |
| Net loans and leases to core deposits | 130.8752% | 230 |
| Total domestic deposits to total assets | 60.6724% | 6,483 |
| Equity capital to assets | 9.7743% | 4,452 |
| Core capital (leverage) ratio | 9.6374% | 4,174 |
| Tier 1 risk-based capital ratio | 12.3601% | 5,262 |
| Total risk-based capital ratio | 13.6127% | 5,190 |
| Memoranda: | ||
| Average total assets | $38,802,750 | 6,141 |
| Average earning assets | $36,040,250 | 6,109 |
| Average equity | $3,707,000 | 6,212 |
| Average total loans | $31,247,000 | 5,572 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 1,985 |
| Cost of funding earning assets | 0.5301% | 2,536 |
| Net interest margin | 3.9228% | 2,076 |
| Noninterest income to average assets | 0.1814% | 5,859 |
| Noninterest expense to average assets | 2.2551% | 5,268 |
| Loan and lease loss provision to assets | 0.1244% | 1,986 |
| Net operating income to assets | 0.9590% | 2,511 |
| Return on assets (ROA) | 0.9590% | 2,600 |
| Pretax return on assets | 1.4463% | 1,728 |
| Return on Equity (ROE) | 10.1185% | 2,098 |
| Retained earnings to average equity (ytd only) | 10.1185% | 695 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9431% | 5,438 |
| Assets per employee ($millions) | 5.4766% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 2,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 4,452 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 80.1023% | 679 |
| Net loans and leases to deposits | 124.1429% | 59 |
| Net loans and leases to core deposits | 124.1429% | 300 |
| Total domestic deposits to total assets | 64.5242% | 6,504 |
| Equity capital to assets | 9.7845% | 4,380 |
| Core capital (leverage) ratio | 9.6855% | 4,063 |
| Tier 1 risk-based capital ratio | 12.4568% | 5,254 |
| Total risk-based capital ratio | 13.7108% | 5,175 |
| Memoranda: | ||
| Average total assets | $38,580,000 | 6,207 |
| Average earning assets | $35,842,000 | 6,173 |
| Average equity | $3,656,670 | 6,270 |
| Average total loans | $31,056,670 | 5,628 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3843% | 2,200 |
| Cost of funding earning assets | 0.5145% | 2,764 |
| Net interest margin | 3.8698% | 2,195 |
| Noninterest income to average assets | 0.2377% | 5,458 |
| Noninterest expense to average assets | 2.2221% | 5,407 |
| Loan and lease loss provision to assets | 0.1240% | 1,949 |
| Net operating income to assets | 0.9715% | 2,319 |
| Return on assets (ROA) | 0.9715% | 2,384 |
| Pretax return on assets | 1.4676% | 1,528 |
| Return on Equity (ROE) | 10.4170% | 1,904 |
| Retained earnings to average equity (ytd only) | 10.4170% | 874 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2656% | 5,625 |
| Assets per employee ($millions) | 5.3053% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5378% | 2,984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 4,482 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 77.9277% | 775 |
| Net loans and leases to deposits | 114.5776% | 99 |
| Net loans and leases to core deposits | 114.5776% | 445 |
| Total domestic deposits to total assets | 68.0130% | 6,515 |
| Equity capital to assets | 9.8500% | 4,034 |
| Core capital (leverage) ratio | 9.3811% | 4,454 |
| Tier 1 risk-based capital ratio | 12.6891% | 5,195 |
| Total risk-based capital ratio | 13.9453% | 5,128 |
| Memoranda: | ||
| Average total assets | $38,702,000 | 6,265 |
| Average earning assets | $35,764,000 | 6,239 |
| Average equity | $3,609,500 | 6,325 |
| Average total loans | $30,999,000 | 5,678 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6263% | 1,779 |
| Cost of funding earning assets | 0.6074% | 2,595 |
| Net interest margin | 4.0189% | 1,900 |
| Noninterest income to average assets | 0.2621% | 5,470 |
| Noninterest expense to average assets | 2.5397% | 4,645 |
| Loan and lease loss provision to assets | 0.1353% | 2,620 |
| Net operating income to assets | 0.8823% | 2,868 |
| Return on assets (ROA) | 0.8823% | 2,956 |
| Pretax return on assets | 1.3361% | 2,027 |
| Return on Equity (ROE) | 9.1328% | 2,475 |
| Retained earnings to average equity (ytd only) | 9.1328% | 743 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3169% | 5,005 |
| Assets per employee ($millions) | 5.7524% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 3,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 79.8818% | 607 |
| Net loans and leases to deposits | 138.1286% | 27 |
| Net loans and leases to core deposits | 138.1286% | 136 |
| Total domestic deposits to total assets | 57.8315% | 6,724 |
| Equity capital to assets | 8.8435% | 5,210 |
| Core capital (leverage) ratio | 9.2562% | 4,623 |
| Tier 1 risk-based capital ratio | 10.9855% | 6,179 |
| Total risk-based capital ratio | 12.2379% | 6,126 |
| Memoranda: | ||
| Average total assets | $35,476,400 | 6,406 |
| Average earning assets | $33,093,600 | 6,372 |
| Average equity | $3,427,200 | 6,446 |
| Average total loans | $28,316,000 | 5,836 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 1,585 |
| Cost of funding earning assets | 0.6335% | 2,514 |
| Net interest margin | 4.0717% | 1,720 |
| Noninterest income to average assets | 0.2761% | 5,468 |
| Noninterest expense to average assets | 2.2987% | 5,348 |
| Loan and lease loss provision to assets | 0.1400% | 2,544 |
| Net operating income to assets | 1.1046% | 1,987 |
| Return on assets (ROA) | 1.1046% | 2,064 |
| Pretax return on assets | 1.6375% | 1,250 |
| Return on Equity (ROE) | 11.1576% | 1,769 |
| Retained earnings to average equity (ytd only) | 11.1576% | 553 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3931% | 5,859 |
| Assets per employee ($millions) | 5.1029% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 3,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 4,709 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 78.7682% | 674 |
| Net loans and leases to deposits | 119.7175% | 70 |
| Net loans and leases to core deposits | 119.7175% | 329 |
| Total domestic deposits to total assets | 65.7951% | 6,711 |
| Equity capital to assets | 9.8880% | 4,072 |
| Core capital (leverage) ratio | 9.7842% | 3,985 |
| Tier 1 risk-based capital ratio | 12.5397% | 5,435 |
| Total risk-based capital ratio | 13.7930% | 5,378 |
| Memoranda: | ||
| Average total assets | $34,278,750 | 6,499 |
| Average earning assets | $31,992,000 | 6,469 |
| Average equity | $3,393,750 | 6,528 |
| Average total loans | $27,243,500 | 5,939 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6732% | 1,640 |
| Cost of funding earning assets | 0.6540% | 2,460 |
| Net interest margin | 4.0192% | 1,795 |
| Noninterest income to average assets | 0.2840% | 5,415 |
| Noninterest expense to average assets | 2.3374% | 5,251 |
| Loan and lease loss provision to assets | 0.1420% | 2,556 |
| Net operating income to assets | 1.0296% | 2,204 |
| Return on assets (ROA) | 1.0296% | 2,322 |
| Pretax return on assets | 1.5504% | 1,482 |
| Return on Equity (ROE) | 10.3953% | 2,042 |
| Retained earnings to average equity (ytd only) | 10.3953% | 764 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0029% | 5,733 |
| Assets per employee ($millions) | 4.9336% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 3,450 |
| Loan loss allowance to noncurrent loans | 1,890.9091% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 4,569 |
| Noncurrent loans to loans | 0.0808% | 6,153 |
| Net loans and leases to total assets | 77.5966% | 795 |
| Net loans and leases to deposits | 110.4981% | 137 |
| Net loans and leases to core deposits | 110.4981% | 546 |
| Total domestic deposits to total assets | 70.2244% | 6,653 |
| Equity capital to assets | 9.8972% | 4,058 |
| Core capital (leverage) ratio | 9.7810% | 3,819 |
| Tier 1 risk-based capital ratio | 12.7779% | 5,301 |
| Total risk-based capital ratio | 14.0315% | 5,238 |
| Memoranda: | ||
| Average total assets | $33,798,330 | 6,561 |
| Average earning assets | $31,498,670 | 6,528 |
| Average equity | $3,347,670 | 6,588 |
| Average total loans | $26,803,330 | 5,988 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6438% | 1,696 |
| Cost of funding earning assets | 0.6671% | 2,509 |
| Net interest margin | 3.9767% | 1,876 |
| Noninterest income to average assets | 0.2872% | 5,404 |
| Noninterest expense to average assets | 2.2973% | 5,432 |
| Loan and lease loss provision to assets | 0.1436% | 2,446 |
| Net operating income to assets | 1.0410% | 2,068 |
| Return on assets (ROA) | 1.0410% | 2,177 |
| Pretax return on assets | 1.5555% | 1,410 |
| Return on Equity (ROE) | 10.5057% | 1,871 |
| Retained earnings to average equity (ytd only) | 10.5057% | 983 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4850% | 5,903 |
| Assets per employee ($millions) | 5.3753% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 3,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6418% | 4,770 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 77.1363% | 705 |
| Net loans and leases to deposits | 100.8881% | 319 |
| Net loans and leases to core deposits | 100.8881% | 898 |
| Total domestic deposits to total assets | 76.4573% | 6,309 |
| Equity capital to assets | 10.4025% | 3,666 |
| Core capital (leverage) ratio | 9.9076% | 3,521 |
| Tier 1 risk-based capital ratio | 13.4331% | 4,920 |
| Total risk-based capital ratio | 14.6907% | 4,870 |
| Memoranda: | ||
| Average total assets | $33,430,000 | 6,632 |
| Average earning assets | $31,181,500 | 6,592 |
| Average equity | $3,312,500 | 6,660 |
| Average total loans | $26,598,000 | 6,042 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2212% | 1,081 |
| Cost of funding earning assets | 0.7731% | 2,885 |
| Net interest margin | 4.4481% | 1,053 |
| Noninterest income to average assets | 0.1789% | 6,118 |
| Noninterest expense to average assets | 2.8012% | 4,016 |
| Loan and lease loss provision to assets | 0.1481% | 3,754 |
| Net operating income to assets | 0.8762% | 2,926 |
| Return on assets (ROA) | 0.8762% | 3,172 |
| Pretax return on assets | 1.3297% | 2,294 |
| Return on Equity (ROE) | 8.9817% | 2,643 |
| Retained earnings to average equity (ytd only) | 8.9817% | 828 |
| Net charge-offs to loans | -0.0383% | 6,657 |
| Credit loss provision to net charge-offs | -480.0000% | 6,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4650% | 4,606 |
| Assets per employee ($millions) | 4.9440% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 4,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5952% | 4,986 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 79.5250% | 515 |
| Net loans and leases to deposits | 120.1467% | 72 |
| Net loans and leases to core deposits | 120.1467% | 281 |
| Total domestic deposits to total assets | 66.1899% | 6,896 |
| Equity capital to assets | 9.4487% | 4,936 |
| Core capital (leverage) ratio | 9.7173% | 3,777 |
| Tier 1 risk-based capital ratio | 11.6542% | 5,993 |
| Total risk-based capital ratio | 12.9070% | 5,954 |
| Memoranda: | ||
| Average total assets | $32,414,200 | 6,698 |
| Average earning assets | $29,878,200 | 6,666 |
| Average equity | $3,162,000 | 6,749 |
| Average total loans | $26,091,000 | 6,133 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3066% | 1,001 |
| Cost of funding earning assets | 0.7867% | 3,059 |
| Net interest margin | 4.5199% | 954 |
| Noninterest income to average assets | 0.3054% | 5,343 |
| Noninterest expense to average assets | 2.5021% | 5,077 |
| Loan and lease loss provision to assets | 0.1506% | 3,655 |
| Net operating income to assets | 1.2009% | 1,734 |
| Return on assets (ROA) | 1.2009% | 1,906 |
| Pretax return on assets | 1.8117% | 1,014 |
| Return on Equity (ROE) | 12.2061% | 1,563 |
| Retained earnings to average equity (ytd only) | 12.2061% | 502 |
| Net charge-offs to loans | -0.0520% | 6,721 |
| Credit loss provision to net charge-offs | -360.0000% | 6,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0450% | 6,054 |
| Assets per employee ($millions) | 4.5157% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 3,899 |
| Loan loss allowance to noncurrent loans | 84.8214% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 2.2271% | 2,397 |
| Noncurrent loans to loans | 1.7831% | 3,102 |
| Net loans and leases to total assets | 78.2822% | 697 |
| Net loans and leases to deposits | 106.7377% | 225 |
| Net loans and leases to core deposits | 106.7377% | 706 |
| Total domestic deposits to total assets | 73.3407% | 6,653 |
| Equity capital to assets | 10.3575% | 4,008 |
| Core capital (leverage) ratio | 10.1541% | 3,342 |
| Tier 1 risk-based capital ratio | 13.1523% | 5,127 |
| Total risk-based capital ratio | 14.4210% | 5,081 |
| Memoranda: | ||
| Average total assets | $31,865,750 | 6,796 |
| Average earning assets | $29,321,250 | 6,770 |
| Average equity | $3,135,000 | 6,840 |
| Average total loans | $25,635,250 | 6,237 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3202% | 1,009 |
| Cost of funding earning assets | 0.7824% | 3,341 |
| Net interest margin | 4.5378% | 931 |
| Noninterest income to average assets | 0.3192% | 5,268 |
| Noninterest expense to average assets | 2.5101% | 5,103 |
| Loan and lease loss provision to assets | 0.1502% | 3,646 |
| Net operating income to assets | 1.2144% | 1,662 |
| Return on assets (ROA) | 1.2144% | 1,862 |
| Pretax return on assets | 1.8341% | 974 |
| Return on Equity (ROE) | 12.5620% | 1,484 |
| Retained earnings to average equity (ytd only) | 12.5620% | 498 |
| Net charge-offs to loans | -0.0775% | 6,794 |
| Credit loss provision to net charge-offs | -240.0000% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8496% | 6,128 |
| Assets per employee ($millions) | 4.3571% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 3,991 |
| Loan loss allowance to noncurrent loans | 135.2941% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 1.7311% | 3,130 |
| Noncurrent loans to loans | 1.1112% | 4,300 |
| Net loans and leases to total assets | 79.0525% | 612 |
| Net loans and leases to deposits | 104.8168% | 262 |
| Net loans and leases to core deposits | 104.8168% | 803 |
| Total domestic deposits to total assets | 75.4197% | 6,539 |
| Equity capital to assets | 10.4295% | 3,769 |
| Core capital (leverage) ratio | 10.0681% | 3,330 |
| Tier 1 risk-based capital ratio | 13.2668% | 4,990 |
| Total risk-based capital ratio | 14.5200% | 4,956 |
| Memoranda: | ||
| Average total assets | $31,951,000 | 6,847 |
| Average earning assets | $29,397,330 | 6,815 |
| Average equity | $3,088,670 | 6,886 |
| Average total loans | $25,805,330 | 6,273 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4199% | 881 |
| Cost of funding earning assets | 0.7762% | 3,651 |
| Net interest margin | 4.6437% | 757 |
| Noninterest income to average assets | 0.3305% | 5,218 |
| Noninterest expense to average assets | 2.4115% | 5,431 |
| Loan and lease loss provision to assets | 0.1469% | 3,526 |
| Net operating income to assets | 1.3465% | 1,332 |
| Return on assets (ROA) | 1.3465% | 1,490 |
| Pretax return on assets | 2.0198% | 712 |
| Return on Equity (ROE) | 14.4618% | 1,086 |
| Retained earnings to average equity (ytd only) | 14.4618% | 514 |
| Net charge-offs to loans | -0.1511% | 6,921 |
| Credit loss provision to net charge-offs | -120.0000% | 5,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6738% | 6,477 |
| Assets per employee ($millions) | 4.3729% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 4,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0944% | 4,302 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 78.1248% | 578 |
| Net loans and leases to deposits | 99.9039% | 373 |
| Net loans and leases to core deposits | 99.9039% | 993 |
| Total domestic deposits to total assets | 78.1999% | 6,238 |
| Equity capital to assets | 10.1176% | 3,967 |
| Core capital (leverage) ratio | 9.0127% | 4,823 |
| Tier 1 risk-based capital ratio | 13.0973% | 5,133 |
| Total risk-based capital ratio | 14.3521% | 5,100 |
| Memoranda: | ||
| Average total assets | $32,676,500 | 6,873 |
| Average earning assets | $29,890,000 | 6,850 |
| Average equity | $3,042,500 | 6,954 |
| Average total loans | $26,468,500 | 6,280 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5261% | 1,106 |
| Cost of funding earning assets | 1.1195% | 2,537 |
| Net interest margin | 4.4066% | 1,382 |
| Noninterest income to average assets | 0.2822% | 5,512 |
| Noninterest expense to average assets | 2.9495% | 3,772 |
| Loan and lease loss provision to assets | 0.2493% | 3,708 |
| Net operating income to assets | 0.7283% | 3,341 |
| Return on assets (ROA) | 0.7283% | 3,517 |
| Pretax return on assets | 1.1384% | 2,700 |
| Return on Equity (ROE) | 7.7019% | 3,056 |
| Retained earnings to average equity (ytd only) | 6.4183% | 1,792 |
| Net charge-offs to loans | 0.1871% | 4,649 |
| Credit loss provision to net charge-offs | 165.2174% | 1,642 |
| Earnings coverage of net charge-offs (x) | 9.1957% | 2,020 |
| Efficiency ratio | 68.0030% | 4,357 |
| Assets per employee ($millions) | 4.9633% | 2,255 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 5,561 |
| Loan loss allowance to noncurrent loans | 113.9932% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 1.8939% | 3,117 |
| Noncurrent loans to loans | 1.0221% | 4,664 |
| Net loans and leases to total assets | 81.5502% | 367 |
| Net loans and leases to deposits | 131.2807% | 50 |
| Net loans and leases to core deposits | 131.2807% | 223 |
| Total domestic deposits to total assets | 62.1190% | 7,204 |
| Equity capital to assets | 8.6003% | 6,012 |
| Core capital (leverage) ratio | 9.1009% | 4,614 |
| Tier 1 risk-based capital ratio | 10.2890% | 6,773 |
| Total risk-based capital ratio | 11.5064% | 6,760 |
| Memoranda: | ||
| Average total assets | $30,480,200 | 6,959 |
| Average earning assets | $28,048,800 | 6,917 |
| Average equity | $2,882,400 | 7,034 |
| Average total loans | $24,585,800 | 6,443 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6200% | 996 |
| Cost of funding earning assets | 1.2544% | 1,971 |
| Net interest margin | 4.3657% | 1,507 |
| Noninterest income to average assets | 0.2856% | 5,566 |
| Noninterest expense to average assets | 2.8149% | 4,286 |
| Loan and lease loss provision to assets | 0.1224% | 4,905 |
| Net operating income to assets | 0.8748% | 2,841 |
| Return on assets (ROA) | 0.8748% | 2,987 |
| Pretax return on assets | 1.3553% | 2,100 |
| Return on Equity (ROE) | 9.0102% | 2,590 |
| Retained earnings to average equity (ytd only) | 7.2826% | 1,820 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5755% | 4,793 |
| Assets per employee ($millions) | 4.2709% | 3,327 |
| Cash dividends to net income (ytd only)* | 19.1699% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 4,787 |
| Loan loss allowance to noncurrent loans | 612.9630% | 558 |
| Noncurrent assets plus other real estate owned to assets | 1.3012% | 4,207 |
| Noncurrent loans to loans | 0.2198% | 6,438 |
| Net loans and leases to total assets | 81.0811% | 417 |
| Net loans and leases to deposits | 110.7810% | 166 |
| Net loans and leases to core deposits | 110.7810% | 641 |
| Total domestic deposits to total assets | 73.1904% | 6,836 |
| Equity capital to assets | 9.9043% | 4,473 |
| Core capital (leverage) ratio | 9.7771% | 3,732 |
| Tier 1 risk-based capital ratio | 12.1600% | 5,770 |
| Total risk-based capital ratio | 13.4134% | 5,761 |
| Memoranda: | ||
| Average total assets | $29,414,500 | 7,055 |
| Average earning assets | $26,998,000 | 7,027 |
| Average equity | $2,856,000 | 7,106 |
| Average total loans | $23,565,500 | 6,555 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6031% | 1,063 |
| Cost of funding earning assets | 1.3933% | 1,451 |
| Net interest margin | 4.2098% | 1,995 |
| Noninterest income to average assets | 0.2940% | 5,529 |
| Noninterest expense to average assets | 2.8987% | 4,027 |
| Loan and lease loss provision to assets | 0.1231% | 4,749 |
| Net operating income to assets | 0.6563% | 3,766 |
| Return on assets (ROA) | 0.6563% | 3,891 |
| Pretax return on assets | 1.1349% | 2,712 |
| Return on Equity (ROE) | 6.8061% | 3,529 |
| Retained earnings to average equity (ytd only) | 4.1829% | 3,534 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7368% | 4,164 |
| Assets per employee ($millions) | 3.5450% | 4,823 |
| Cash dividends to net income (ytd only)* | 38.5417% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 4,346 |
| Loan loss allowance to noncurrent loans | 715.5556% | 494 |
| Noncurrent assets plus other real estate owned to assets | 1.3399% | 4,219 |
| Noncurrent loans to loans | 0.2027% | 6,504 |
| Net loans and leases to total assets | 77.1509% | 893 |
| Net loans and leases to deposits | 100.3072% | 482 |
| Net loans and leases to core deposits | 100.3072% | 1,317 |
| Total domestic deposits to total assets | 76.9147% | 6,464 |
| Equity capital to assets | 10.1269% | 3,981 |
| Core capital (leverage) ratio | 9.5587% | 3,870 |
| Tier 1 risk-based capital ratio | 13.1747% | 4,782 |
| Total risk-based capital ratio | 14.4302% | 4,764 |
| Memoranda: | ||
| Average total assets | $29,254,000 | 7,123 |
| Average earning assets | $26,842,330 | 7,097 |
| Average equity | $2,821,000 | 7,175 |
| Average total loans | $23,230,330 | 6,631 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6011% | 1,052 |
| Cost of funding earning assets | 1.5063% | 1,140 |
| Net interest margin | 4.0948% | 2,285 |
| Noninterest income to average assets | 0.2963% | 5,547 |
| Noninterest expense to average assets | 2.8955% | 4,073 |
| Loan and lease loss provision to assets | 0.1212% | 4,496 |
| Net operating income to assets | 0.5791% | 4,141 |
| Return on assets (ROA) | 0.5791% | 4,210 |
| Pretax return on assets | 1.0505% | 2,943 |
| Return on Equity (ROE) | 6.1527% | 3,814 |
| Retained earnings to average equity (ytd only) | 0.8585% | 5,485 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1921% | 4,013 |
| Assets per employee ($millions) | 3.5520% | 4,869 |
| Cash dividends to net income (ytd only)* | 86.0465% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 4,551 |
| Loan loss allowance to noncurrent loans | 3,130.0000% | 149 |
| Noncurrent assets plus other real estate owned to assets | 1.2141% | 4,523 |
| Noncurrent loans to loans | 0.0455% | 6,933 |
| Net loans and leases to total assets | 76.2845% | 991 |
| Net loans and leases to deposits | 99.6231% | 490 |
| Net loans and leases to core deposits | 99.6231% | 1,371 |
| Total domestic deposits to total assets | 76.5731% | 6,596 |
| Equity capital to assets | 9.8747% | 3,929 |
| Core capital (leverage) ratio | 9.1431% | 4,383 |
| Tier 1 risk-based capital ratio | 12.9886% | 4,836 |
| Total risk-based capital ratio | 14.2408% | 4,818 |
| Memoranda: | ||
| Average total assets | $29,701,000 | 7,159 |
| Average earning assets | $27,352,000 | 7,125 |
| Average equity | $2,795,500 | 7,224 |
| Average total loans | $23,744,500 | 6,658 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9476% | 947 |
| Cost of funding earning assets | 1.8994% | 845 |
| Net interest margin | 4.0482% | 2,808 |
| Noninterest income to average assets | 0.2751% | 5,817 |
| Noninterest expense to average assets | 2.8898% | 4,272 |
| Loan and lease loss provision to assets | 0.1222% | 5,938 |
| Net operating income to assets | 0.6452% | 3,463 |
| Return on assets (ROA) | 0.6452% | 3,612 |
| Pretax return on assets | 1.0120% | 2,891 |
| Return on Equity (ROE) | 6.9674% | 3,138 |
| Retained earnings to average equity (ytd only) | 5.2072% | 2,304 |
| Net charge-offs to loans | 0.2932% | 4,553 |
| Credit loss provision to net charge-offs | 50.0000% | 6,257 |
| Earnings coverage of net charge-offs (x) | 4.6389% | 2,853 |
| Efficiency ratio | 71.8143% | 3,831 |
| Assets per employee ($millions) | 3.8733% | 4,069 |
| Cash dividends to net income (ytd only)* | 25.2632% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 5,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0811% | 4,846 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 81.3109% | 511 |
| Net loans and leases to deposits | 121.0949% | 110 |
| Net loans and leases to core deposits | 121.0949% | 502 |
| Total domestic deposits to total assets | 67.1465% | 7,356 |
| Equity capital to assets | 8.9879% | 5,159 |
| Core capital (leverage) ratio | 9.1477% | 4,266 |
| Tier 1 risk-based capital ratio | 11.3219% | 6,073 |
| Total risk-based capital ratio | 12.5708% | 6,063 |
| Memoranda: | ||
| Average total assets | $29,448,000 | 7,224 |
| Average earning assets | $27,271,400 | 7,180 |
| Average equity | $2,727,000 | 7,347 |
| Average total loans | $24,557,200 | 6,704 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0290% | 881 |
| Cost of funding earning assets | 2.0014% | 751 |
| Net interest margin | 4.0276% | 2,965 |
| Noninterest income to average assets | 0.2798% | 5,867 |
| Noninterest expense to average assets | 2.6837% | 4,950 |
| Loan and lease loss provision to assets | 0.1239% | 5,792 |
| Net operating income to assets | 0.7156% | 3,350 |
| Return on assets (ROA) | 0.7156% | 3,497 |
| Pretax return on assets | 1.2019% | 2,480 |
| Return on Equity (ROE) | 7.6678% | 3,041 |
| Retained earnings to average equity (ytd only) | 5.3088% | 2,767 |
| Net charge-offs to loans | 0.0987% | 5,542 |
| Credit loss provision to net charge-offs | 150.0000% | 2,593 |
| Earnings coverage of net charge-offs (x) | 16.0550% | 1,402 |
| Efficiency ratio | 66.9336% | 4,670 |
| Assets per employee ($millions) | 3.4961% | 4,993 |
| Cash dividends to net income (ytd only)* | 30.7707% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 4,302 |
| Loan loss allowance to noncurrent loans | 97.7591% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 1.4552% | 4,269 |
| Noncurrent loans to loans | 1.4653% | 4,426 |
| Net loans and leases to total assets | 85.8593% | 213 |
| Net loans and leases to deposits | 119.0108% | 124 |
| Net loans and leases to core deposits | 119.0108% | 648 |
| Total domestic deposits to total assets | 72.1442% | 7,111 |
| Equity capital to assets | 9.9324% | 4,245 |
| Core capital (leverage) ratio | 8.8737% | 4,885 |
| Tier 1 risk-based capital ratio | 12.2213% | 5,245 |
| Total risk-based capital ratio | 13.4744% | 5,215 |
| Memoranda: | ||
| Average total assets | $29,063,500 | 7,326 |
| Average earning assets | $26,913,750 | 7,279 |
| Average equity | $2,712,500 | 7,445 |
| Average total loans | $24,321,750 | 6,798 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9773% | 1,000 |
| Cost of funding earning assets | 2.0342% | 812 |
| Net interest margin | 3.9431% | 3,267 |
| Noninterest income to average assets | 0.2786% | 5,925 |
| Noninterest expense to average assets | 2.6097% | 5,281 |
| Loan and lease loss provision to assets | 0.1223% | 5,675 |
| Net operating income to assets | 0.7068% | 3,373 |
| Return on assets (ROA) | 0.7068% | 3,527 |
| Pretax return on assets | 1.1825% | 2,470 |
| Return on Equity (ROE) | 7.7304% | 2,998 |
| Retained earnings to average equity (ytd only) | 4.1625% | 3,419 |
| Net charge-offs to loans | 0.1481% | 4,748 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 1,859 |
| Efficiency ratio | 66.6667% | 4,850 |
| Assets per employee ($millions) | 4.2454% | 3,310 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 4,250 |
| Loan loss allowance to noncurrent loans | 97.1429% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 1.3460% | 4,468 |
| Noncurrent loans to loans | 1.4799% | 4,481 |
| Net loans and leases to total assets | 78.4407% | 1,038 |
| Net loans and leases to deposits | 111.3069% | 246 |
| Net loans and leases to core deposits | 116.8881% | 815 |
| Total domestic deposits to total assets | 70.4724% | 7,296 |
| Equity capital to assets | 9.2032% | 5,141 |
| Core capital (leverage) ratio | 8.6207% | 5,205 |
| Tier 1 risk-based capital ratio | 12.1045% | 5,222 |
| Total risk-based capital ratio | 13.3472% | 5,197 |
| Memoranda: | ||
| Average total assets | $29,428,330 | 7,366 |
| Average earning assets | $27,136,000 | 7,332 |
| Average equity | $2,690,670 | 7,503 |
| Average total loans | $24,308,000 | 6,840 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9994% | 984 |
| Cost of funding earning assets | 2.0637% | 905 |
| Net interest margin | 3.9357% | 3,171 |
| Noninterest income to average assets | 0.2732% | 5,971 |
| Noninterest expense to average assets | 2.5953% | 5,376 |
| Loan and lease loss provision to assets | 0.1229% | 5,352 |
| Net operating income to assets | 0.7240% | 3,336 |
| Return on assets (ROA) | 0.7240% | 3,448 |
| Pretax return on assets | 1.2020% | 2,353 |
| Return on Equity (ROE) | 7.9445% | 2,910 |
| Retained earnings to average equity (ytd only) | 0.7495% | 5,524 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2021% | 5,073 |
| Assets per employee ($millions) | 4.2970% | 3,297 |
| Cash dividends to net income (ytd only)* | 90.5660% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 4,333 |
| Loan loss allowance to noncurrent loans | 189.6739% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.7780% | 5,594 |
| Noncurrent loans to loans | 0.7478% | 5,828 |
| Net loans and leases to total assets | 80.6476% | 751 |
| Net loans and leases to deposits | 115.0868% | 194 |
| Net loans and leases to core deposits | 120.8188% | 756 |
| Total domestic deposits to total assets | 70.0755% | 7,403 |
| Equity capital to assets | 8.8733% | 5,441 |
| Core capital (leverage) ratio | 8.5539% | 5,289 |
| Tier 1 risk-based capital ratio | 11.4883% | 5,683 |
| Total risk-based capital ratio | 12.7423% | 5,665 |
| Memoranda: | ||
| Average total assets | $29,283,500 | 7,462 |
| Average earning assets | $27,136,000 | 7,423 |
| Average equity | $2,668,500 | 7,591 |
| Average total loans | $24,636,500 | 6,905 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5312% | 626 |
| Cost of funding earning assets | 2.3961% | 1,311 |
| Net interest margin | 4.1352% | 2,298 |
| Noninterest income to average assets | 0.2708% | 6,180 |
| Noninterest expense to average assets | 2.7678% | 5,097 |
| Loan and lease loss provision to assets | 0.0844% | 6,764 |
| Net operating income to assets | 0.7843% | 2,591 |
| Return on assets (ROA) | 0.7843% | 2,679 |
| Pretax return on assets | 1.2485% | 1,830 |
| Return on Equity (ROE) | 8.6548% | 2,143 |
| Retained earnings to average equity (ytd only) | 8.6548% | 553 |
| Net charge-offs to loans | 0.1588% | 5,687 |
| Credit loss provision to net charge-offs | 63.1579% | 6,595 |
| Earnings coverage of net charge-offs (x) | 9.9737% | 1,736 |
| Efficiency ratio | 67.4957% | 5,098 |
| Assets per employee ($millions) | 4.0697% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 4,351 |
| Loan loss allowance to noncurrent loans | 680.0000% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 7,038 |
| Noncurrent loans to loans | 0.2027% | 6,917 |
| Net loans and leases to total assets | 85.3903% | 317 |
| Net loans and leases to deposits | 119.1575% | 185 |
| Net loans and leases to core deposits | 146.6747% | 596 |
| Total domestic deposits to total assets | 71.6618% | 7,273 |
| Equity capital to assets | 9.3653% | 4,614 |
| Core capital (leverage) ratio | 8.7884% | 4,783 |
| Tier 1 risk-based capital ratio | 11.4108% | 5,496 |
| Total risk-based capital ratio | 12.6634% | 5,455 |
| Memoranda: | ||
| Average total assets | $28,434,400 | 7,526 |
| Average earning assets | $26,335,000 | 7,491 |
| Average equity | $2,576,600 | 7,710 |
| Average total loans | $23,931,200 | 6,981 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5564% | 669 |
| Cost of funding earning assets | 2.4681% | 1,392 |
| Net interest margin | 4.0882% | 2,453 |
| Noninterest income to average assets | 0.2627% | 6,352 |
| Noninterest expense to average assets | 2.5755% | 5,800 |
| Loan and lease loss provision to assets | 0.0844% | 6,521 |
| Net operating income to assets | 0.9101% | 2,392 |
| Return on assets (ROA) | 0.9101% | 2,456 |
| Pretax return on assets | 1.3792% | 1,751 |
| Return on Equity (ROE) | 10.1286% | 1,871 |
| Retained earnings to average equity (ytd only) | 10.1286% | 617 |
| Net charge-offs to loans | -0.0112% | 7,699 |
| Credit loss provision to net charge-offs | -900.0000% | 7,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7631% | 5,798 |
| Assets per employee ($millions) | 4.0417% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5484% | 3,199 |
| Loan loss allowance to noncurrent loans | 3,740.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 7,490 |
| Noncurrent loans to loans | 0.0414% | 7,406 |
| Net loans and leases to total assets | 84.0520% | 534 |
| Net loans and leases to deposits | 118.2614% | 234 |
| Net loans and leases to core deposits | 145.0177% | 727 |
| Total domestic deposits to total assets | 71.0731% | 7,328 |
| Equity capital to assets | 9.3419% | 4,965 |
| Core capital (leverage) ratio | 8.7994% | 4,975 |
| Tier 1 risk-based capital ratio | 11.6121% | 5,325 |
| Total risk-based capital ratio | 12.8689% | 5,261 |
| Memoranda: | ||
| Average total assets | $28,421,000 | 7,595 |
| Average earning assets | $26,253,750 | 7,563 |
| Average equity | $2,553,750 | 7,791 |
| Average total loans | $23,747,500 | 7,048 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6280% | 626 |
| Cost of funding earning assets | 2.5504% | 1,448 |
| Net interest margin | 4.0776% | 2,403 |
| Noninterest income to average assets | 0.2670% | 6,362 |
| Noninterest expense to average assets | 2.5717% | 5,853 |
| Loan and lease loss provision to assets | 0.0843% | 6,333 |
| Net operating income to assets | 0.8924% | 2,483 |
| Return on assets (ROA) | 0.8924% | 2,596 |
| Pretax return on assets | 1.3631% | 1,824 |
| Return on Equity (ROE) | 10.0634% | 1,998 |
| Retained earnings to average equity (ytd only) | 10.0634% | 722 |
| Net charge-offs to loans | -0.0085% | 7,586 |
| Credit loss provision to net charge-offs | -1,200.0000% | 7,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9860% | 5,916 |
| Assets per employee ($millions) | 3.9469% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 2,869 |
| Loan loss allowance to noncurrent loans | 3,336.3636% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 7,508 |
| Noncurrent loans to loans | 0.0471% | 7,424 |
| Net loans and leases to total assets | 83.2416% | 749 |
| Net loans and leases to deposits | 117.3068% | 293 |
| Net loans and leases to core deposits | 143.4238% | 859 |
| Total domestic deposits to total assets | 70.9606% | 7,371 |
| Equity capital to assets | 9.3203% | 4,841 |
| Core capital (leverage) ratio | 8.7434% | 5,014 |
| Tier 1 risk-based capital ratio | 11.7838% | 5,118 |
| Total risk-based capital ratio | 13.0347% | 5,032 |
| Memoranda: | ||
| Average total assets | $28,464,000 | 7,665 |
| Average earning assets | $26,192,000 | 7,633 |
| Average equity | $2,524,000 | 7,873 |
| Average total loans | $23,612,000 | 7,109 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7547% | 522 |
| Cost of funding earning assets | 2.6142% | 1,516 |
| Net interest margin | 4.1405% | 2,124 |
| Noninterest income to average assets | 0.2908% | 6,110 |
| Noninterest expense to average assets | 2.4375% | 6,064 |
| Loan and lease loss provision to assets | 0.0831% | 5,896 |
| Net operating income to assets | 1.1080% | 1,938 |
| Return on assets (ROA) | 1.1080% | 2,064 |
| Pretax return on assets | 1.5650% | 1,491 |
| Return on Equity (ROE) | 12.8077% | 1,436 |
| Retained earnings to average equity (ytd only) | 12.8077% | 666 |
| Net charge-offs to loans | -0.0169% | 7,393 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6610% | 6,447 |
| Assets per employee ($millions) | 3.9893% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 2,627 |
| 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 | 80.7842% | 1,239 |
| Net loans and leases to deposits | 113.1912% | 472 |
| Net loans and leases to core deposits | 140.5720% | 1,073 |
| Total domestic deposits to total assets | 71.3697% | 7,295 |
| Equity capital to assets | 9.0671% | 5,274 |
| Core capital (leverage) ratio | 8.3428% | 5,826 |
| Tier 1 risk-based capital ratio | 11.8548% | 5,077 |
| Total risk-based capital ratio | 13.1037% | 4,986 |
| Memoranda: | ||
| Average total assets | $28,882,000 | 7,696 |
| Average earning assets | $26,470,500 | 7,659 |
| Average equity | $2,498,500 | 7,928 |
| Average total loans | $23,735,500 | 7,148 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2046% | 740 |
| Cost of funding earning assets | 3.2016% | 1,184 |
| Net interest margin | 4.0030% | 3,095 |
| Noninterest income to average assets | 0.2893% | 6,395 |
| Noninterest expense to average assets | 2.5096% | 5,964 |
| Loan and lease loss provision to assets | 0.1046% | 6,041 |
| Net operating income to assets | 0.8714% | 3,127 |
| Return on assets (ROA) | 0.8714% | 2,979 |
| Pretax return on assets | 1.3489% | 2,133 |
| Return on Equity (ROE) | 10.4436% | 2,107 |
| Retained earnings to average equity (ytd only) | 7.6447% | 948 |
| Net charge-offs to loans | -0.0042% | 7,779 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3245% | 5,705 |
| Assets per employee ($millions) | 4.2627% | 3,013 |
| Cash dividends to net income (ytd only)* | 26.8000% | 4,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 2,965 |
| 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 | 81.0919% | 1,414 |
| Net loans and leases to deposits | 124.5727% | 295 |
| Net loans and leases to core deposits | 160.6173% | 564 |
| Total domestic deposits to total assets | 65.0960% | 7,717 |
| Equity capital to assets | 8.2610% | 6,467 |
| Core capital (leverage) ratio | 7.6970% | 6,939 |
| Tier 1 risk-based capital ratio | 10.5407% | 6,166 |
| Total risk-based capital ratio | 11.7963% | 6,061 |
| Memoranda: | ||
| Average total assets | $28,689,600 | 7,694 |
| Average earning assets | $26,330,400 | 7,679 |
| Average equity | $2,393,800 | 8,025 |
| Average total loans | $23,529,600 | 7,102 |