Home > South Porte Bank > Performance and Condition Ratios
South Porte Bank, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2729% | 500 |
| Cost of funding earning assets | 1.3697% | 255 |
| Net interest margin | 3.9032% | 1,560 |
| Noninterest income to average assets | 0.1704% | 4,439 |
| Noninterest expense to average assets | 1.7957% | 4,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8477% | 455 |
| Return on assets (ROA) | 1.8477% | 500 |
| Pretax return on assets | 2.0145% | 530 |
| Return on Equity (ROE) | 18.9553% | 308 |
| Retained earnings to average equity (ytd only) | 18.9553% | 105 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9868% | 4,676 |
| Assets per employee ($millions) | 7.8566% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7529% | 4,455 |
| Loan loss allowance to noncurrent loans | 71.2862% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.1081% | 1,028 |
| Noncurrent loans to loans | 1.0562% | 1,480 |
| Net loans and leases to total assets | 82.5227% | 369 |
| Net loans and leases to deposits | 121.9606% | 83 |
| Net loans and leases to core deposits | 133.8667% | 218 |
| Total domestic deposits to total assets | 67.6634% | 4,848 |
| Equity capital to assets | 9.2525% | 3,880 |
| Core capital (leverage) ratio | 9.6239% | 3,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,491,000 | 3,844 |
| Average earning assets | $103,966,333 | 3,842 |
| Average equity | $10,867,667 | 4,105 |
| Average total loans | $89,878,333 | 3,416 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8838% | 1,230 |
| Cost of funding earning assets | 1.4961% | 277 |
| Net interest margin | 3.3878% | 3,329 |
| Noninterest income to average assets | 0.2031% | 4,336 |
| Noninterest expense to average assets | 1.8700% | 4,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1228% | 1,775 |
| Return on assets (ROA) | 1.1228% | 1,874 |
| Pretax return on assets | 1.4830% | 1,346 |
| Return on Equity (ROE) | 11.1768% | 1,365 |
| Retained earnings to average equity (ytd only) | 11.1768% | 546 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6571% | 4,242 |
| Assets per employee ($millions) | 6.5276% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 3,955 |
| Loan loss allowance to noncurrent loans | 79.7366% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.2217% | 1,000 |
| Noncurrent loans to loans | 1.1831% | 1,389 |
| Net loans and leases to total assets | 79.1214% | 805 |
| Net loans and leases to deposits | 100.4510% | 526 |
| Net loans and leases to core deposits | 109.5837% | 871 |
| Total domestic deposits to total assets | 78.7662% | 4,095 |
| Equity capital to assets | 10.0659% | 3,718 |
| Core capital (leverage) ratio | 9.6869% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,383,500 | 3,926 |
| Average earning assets | $97,055,000 | 3,910 |
| Average equity | $10,486,000 | 4,182 |
| Average total loans | $82,556,000 | 3,543 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8169% | 1,994 |
| Cost of funding earning assets | 1.6135% | 280 |
| Net interest margin | 3.2034% | 4,178 |
| Noninterest income to average assets | 0.2245% | 4,322 |
| Noninterest expense to average assets | 1.9257% | 4,634 |
| Loan and lease loss provision to assets | 0.0487% | 3,051 |
| Net operating income to assets | 0.9294% | 3,095 |
| Return on assets (ROA) | 0.9294% | 3,170 |
| Pretax return on assets | 1.2255% | 2,747 |
| Return on Equity (ROE) | 9.8806% | 2,350 |
| Retained earnings to average equity (ytd only) | 9.7283% | 546 |
| Net charge-offs to loans | 0.0174% | 3,092 |
| Credit loss provision to net charge-offs | 364.2857% | 769 |
| Earnings coverage of net charge-offs (x) | 95.2857% | 707 |
| Efficiency ratio | 60.0299% | 3,687 |
| Assets per employee ($millions) | 6.1368% | 1,528 |
| Cash dividends to net income (ytd only)* | 1.5416% | 3,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 3,679 |
| Loan loss allowance to noncurrent loans | 174.1150% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.9624% | 1,311 |
| Noncurrent loans to loans | 0.5533% | 2,520 |
| Net loans and leases to total assets | 77.5480% | 1,151 |
| Net loans and leases to deposits | 94.9164% | 1,060 |
| Net loans and leases to core deposits | 103.5188% | 1,268 |
| Total domestic deposits to total assets | 81.7014% | 3,588 |
| Equity capital to assets | 10.0254% | 3,895 |
| Core capital (leverage) ratio | 9.5083% | 4,052 |
| Tier 1 risk-based capital ratio | 12.6616% | 3,970 |
| Total risk-based capital ratio | 13.6913% | 3,981 |
| Memoranda: | ||
| Average total assets | $104,691,800 | 3,921 |
| Average earning assets | $97,241,400 | 3,924 |
| Average equity | $9,847,600 | 4,263 |
| Average total loans | $80,545,800 | 3,593 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7660% | 2,231 |
| Cost of funding earning assets | 1.6151% | 277 |
| Net interest margin | 3.1509% | 4,400 |
| Noninterest income to average assets | 0.2354% | 4,328 |
| Noninterest expense to average assets | 1.9112% | 4,685 |
| Loan and lease loss provision to assets | 0.0649% | 2,595 |
| Net operating income to assets | 0.9009% | 3,346 |
| Return on assets (ROA) | 0.9009% | 3,418 |
| Pretax return on assets | 1.1885% | 3,015 |
| Return on Equity (ROE) | 9.7370% | 2,543 |
| Retained earnings to average equity (ytd only) | 9.5307% | 888 |
| Net charge-offs to loans | -0.0083% | 4,331 |
| Credit loss provision to net charge-offs | -1,020.0000% | 4,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2332% | 3,596 |
| Assets per employee ($millions) | 6.2008% | 1,463 |
| Cash dividends to net income (ytd only)* | 2.1187% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 3,737 |
| Loan loss allowance to noncurrent loans | 227.6836% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.8604% | 1,588 |
| Noncurrent loans to loans | 0.4256% | 3,032 |
| Net loans and leases to total assets | 78.1376% | 1,115 |
| Net loans and leases to deposits | 95.0879% | 1,114 |
| Net loans and leases to core deposits | 111.9054% | 848 |
| Total domestic deposits to total assets | 82.1741% | 3,425 |
| Equity capital to assets | 9.6638% | 4,323 |
| Core capital (leverage) ratio | 9.0623% | 4,587 |
| Tier 1 risk-based capital ratio | 12.5958% | 4,090 |
| Total risk-based capital ratio | 13.6732% | 4,067 |
| Memoranda: | ||
| Average total assets | $104,783,500 | 3,964 |
| Average earning assets | $97,409,000 | 3,954 |
| Average equity | $9,694,750 | 4,327 |
| Average total loans | $80,260,000 | 3,634 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 2,391 |
| Cost of funding earning assets | 1.5730% | 299 |
| Net interest margin | 3.1172% | 4,502 |
| Noninterest income to average assets | 0.2199% | 4,427 |
| Noninterest expense to average assets | 1.9565% | 4,673 |
| Loan and lease loss provision to assets | 0.0765% | 2,286 |
| Net operating income to assets | 0.8186% | 3,590 |
| Return on assets (ROA) | 0.8186% | 3,644 |
| Pretax return on assets | 1.0901% | 3,264 |
| Return on Equity (ROE) | 8.9815% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.6668% | 1,138 |
| Net charge-offs to loans | -0.0101% | 4,331 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5230% | 3,349 |
| Assets per employee ($millions) | 6.6922% | 1,139 |
| Cash dividends to net income (ytd only)* | 3.5047% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 3,674 |
| Loan loss allowance to noncurrent loans | 89.8190% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.8256% | 1,703 |
| Noncurrent loans to loans | 1.1030% | 1,484 |
| Net loans and leases to total assets | 74.1088% | 1,872 |
| Net loans and leases to deposits | 91.5406% | 1,551 |
| Net loans and leases to core deposits | 109.1710% | 1,025 |
| Total domestic deposits to total assets | 80.9573% | 3,827 |
| Equity capital to assets | 9.2085% | 4,646 |
| Core capital (leverage) ratio | 9.0881% | 4,564 |
| Tier 1 risk-based capital ratio | 12.6825% | 4,025 |
| Total risk-based capital ratio | 13.7836% | 3,999 |
| Memoranda: | ||
| Average total assets | $104,573,330 | 3,991 |
| Average earning assets | $97,394,330 | 3,980 |
| Average equity | $9,530,670 | 4,366 |
| Average total loans | $79,288,670 | 3,669 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6794% | 2,298 |
| Cost of funding earning assets | 1.5570% | 268 |
| Net interest margin | 3.1223% | 4,549 |
| Noninterest income to average assets | 0.2207% | 4,430 |
| Noninterest expense to average assets | 2.0518% | 4,549 |
| Loan and lease loss provision to assets | 0.0968% | 1,812 |
| Net operating income to assets | 0.7975% | 3,632 |
| Return on assets (ROA) | 0.7975% | 3,676 |
| Pretax return on assets | 0.9911% | 3,470 |
| Return on Equity (ROE) | 8.7978% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.7978% | 1,386 |
| Net charge-offs to loans | -0.0152% | 4,387 |
| Credit loss provision to net charge-offs | -833.3333% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2281% | 3,054 |
| Assets per employee ($millions) | 5.7492% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,718 |
| Loan loss allowance to noncurrent loans | 98.4810% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.7634% | 1,847 |
| Noncurrent loans to loans | 1.0143% | 1,643 |
| Net loans and leases to total assets | 74.5106% | 1,713 |
| Net loans and leases to deposits | 92.4656% | 1,346 |
| Net loans and leases to core deposits | 104.4852% | 1,280 |
| Total domestic deposits to total assets | 80.5819% | 4,055 |
| Equity capital to assets | 9.2273% | 4,503 |
| Core capital (leverage) ratio | 8.8909% | 4,727 |
| Tier 1 risk-based capital ratio | 12.8168% | 3,970 |
| Total risk-based capital ratio | 13.9295% | 3,944 |
| Memoranda: | ||
| Average total assets | $103,322,500 | 4,049 |
| Average earning assets | $96,594,500 | 4,035 |
| Average equity | $9,366,000 | 4,417 |
| Average total loans | $78,860,000 | 3,718 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 2,388 |
| Cost of funding earning assets | 1.2861% | 232 |
| Net interest margin | 3.2378% | 4,412 |
| Noninterest income to average assets | 0.2492% | 4,429 |
| Noninterest expense to average assets | 2.1688% | 4,408 |
| Loan and lease loss provision to assets | 0.2930% | 553 |
| Net operating income to assets | 0.7983% | 3,813 |
| Return on assets (ROA) | 0.7983% | 3,816 |
| Pretax return on assets | 0.7983% | 4,171 |
| Return on Equity (ROE) | 9.0740% | 2,958 |
| Retained earnings to average equity (ytd only) | 7.9412% | 1,262 |
| Net charge-offs to loans | 0.1666% | 1,156 |
| Credit loss provision to net charge-offs | 233.3333% | 1,267 |
| Earnings coverage of net charge-offs (x) | 8.6905% | 2,877 |
| Efficiency ratio | 66.3711% | 2,805 |
| Assets per employee ($millions) | 5.7311% | 1,737 |
| Cash dividends to net income (ytd only)* | 12.4844% | 3,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 3,995 |
| Loan loss allowance to noncurrent loans | 79.1139% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 0.9190% | 1,503 |
| Noncurrent loans to loans | 1.1875% | 1,350 |
| Net loans and leases to total assets | 76.6622% | 1,496 |
| Net loans and leases to deposits | 94.7068% | 1,204 |
| Net loans and leases to core deposits | 108.2305% | 1,106 |
| Total domestic deposits to total assets | 80.9469% | 3,904 |
| Equity capital to assets | 8.9018% | 4,653 |
| Core capital (leverage) ratio | 8.7283% | 4,857 |
| Tier 1 risk-based capital ratio | 12.2175% | 4,286 |
| Total risk-based capital ratio | 13.2645% | 4,313 |
| Memoranda: | ||
| Average total assets | $100,333,200 | 4,092 |
| Average earning assets | $93,303,400 | 4,077 |
| Average equity | $8,827,400 | 4,479 |
| Average total loans | $75,617,000 | 3,757 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4439% | 2,486 |
| Cost of funding earning assets | 1.2210% | 231 |
| Net interest margin | 3.2229% | 4,470 |
| Noninterest income to average assets | 0.2610% | 4,408 |
| Noninterest expense to average assets | 2.1533% | 4,422 |
| Loan and lease loss provision to assets | 0.2824% | 534 |
| Net operating income to assets | 0.8137% | 3,861 |
| Return on assets (ROA) | 0.8137% | 3,871 |
| Pretax return on assets | 0.8137% | 4,258 |
| Return on Equity (ROE) | 9.2768% | 2,966 |
| Retained earnings to average equity (ytd only) | 8.2087% | 1,552 |
| Net charge-offs to loans | 0.1073% | 1,414 |
| Credit loss provision to net charge-offs | 351.6667% | 889 |
| Earnings coverage of net charge-offs (x) | 13.6496% | 2,336 |
| Efficiency ratio | 66.1038% | 2,855 |
| Assets per employee ($millions) | 5.6951% | 1,741 |
| Cash dividends to net income (ytd only)* | 11.5130% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 4,126 |
| Loan loss allowance to noncurrent loans | 84.6420% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 1,752 |
| Noncurrent loans to loans | 1.1015% | 1,544 |
| Net loans and leases to total assets | 75.9801% | 1,665 |
| Net loans and leases to deposits | 93.7382% | 1,404 |
| Net loans and leases to core deposits | 105.6696% | 1,335 |
| Total domestic deposits to total assets | 81.0557% | 3,852 |
| Equity capital to assets | 8.6957% | 4,799 |
| Core capital (leverage) ratio | 8.5864% | 5,043 |
| Tier 1 risk-based capital ratio | 12.0857% | 4,455 |
| Total risk-based capital ratio | 13.1177% | 4,458 |
| Memoranda: | ||
| Average total assets | $99,626,750 | 4,149 |
| Average earning assets | $92,378,750 | 4,136 |
| Average equity | $8,738,500 | 4,538 |
| Average total loans | $74,562,750 | 3,819 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 2,659 |
| Cost of funding earning assets | 1.1522% | 224 |
| Net interest margin | 3.1790% | 4,555 |
| Noninterest income to average assets | 0.2777% | 4,330 |
| Noninterest expense to average assets | 2.2054% | 4,353 |
| Loan and lease loss provision to assets | 0.2858% | 491 |
| Net operating income to assets | 0.7338% | 4,090 |
| Return on assets (ROA) | 0.7338% | 4,086 |
| Pretax return on assets | 0.7338% | 4,425 |
| Return on Equity (ROE) | 8.3410% | 3,341 |
| Retained earnings to average equity (ytd only) | 8.3410% | 1,474 |
| Net charge-offs to loans | -0.0027% | 3,998 |
| Credit loss provision to net charge-offs | -14,100.0000% | 4,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2590% | 2,600 |
| Assets per employee ($millions) | 5.4381% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 4,133 |
| Loan loss allowance to noncurrent loans | 85.0764% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.8236% | 1,817 |
| Noncurrent loans to loans | 1.1125% | 1,581 |
| Net loans and leases to total assets | 73.3324% | 2,068 |
| Net loans and leases to deposits | 89.7100% | 1,877 |
| Net loans and leases to core deposits | 101.2237% | 1,636 |
| Total domestic deposits to total assets | 81.7438% | 3,798 |
| Equity capital to assets | 8.5430% | 4,914 |
| Core capital (leverage) ratio | 8.6416% | 5,004 |
| Tier 1 risk-based capital ratio | 12.0294% | 4,475 |
| Total risk-based capital ratio | 13.0651% | 4,496 |
| Memoranda: | ||
| Average total assets | $98,665,330 | 4,198 |
| Average earning assets | $91,475,670 | 4,196 |
| Average equity | $8,680,000 | 4,584 |
| Average total loans | $73,210,000 | 3,864 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2881% | 2,568 |
| Cost of funding earning assets | 1.1235% | 200 |
| Net interest margin | 3.1646% | 4,568 |
| Noninterest income to average assets | 0.2740% | 4,339 |
| Noninterest expense to average assets | 2.2795% | 4,229 |
| Loan and lease loss provision to assets | 0.2284% | 685 |
| Net operating income to assets | 0.7017% | 4,091 |
| Return on assets (ROA) | 0.7017% | 4,097 |
| Pretax return on assets | 0.7017% | 4,439 |
| Return on Equity (ROE) | 7.8545% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.8545% | 1,897 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8926% | 2,364 |
| Assets per employee ($millions) | 4.9231% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 4,581 |
| Loan loss allowance to noncurrent loans | 355.8659% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 4,177 |
| Noncurrent loans to loans | 0.2432% | 3,897 |
| Net loans and leases to total assets | 74.1129% | 1,840 |
| Net loans and leases to deposits | 87.2100% | 2,029 |
| Net loans and leases to core deposits | 96.4142% | 1,948 |
| Total domestic deposits to total assets | 84.9820% | 2,933 |
| Equity capital to assets | 8.7486% | 4,783 |
| Core capital (leverage) ratio | 8.7905% | 4,903 |
| Tier 1 risk-based capital ratio | 12.3969% | 4,308 |
| Total risk-based capital ratio | 13.3610% | 4,376 |
| Memoranda: | ||
| Average total assets | $96,336,000 | 4,283 |
| Average earning assets | $89,363,500 | 4,278 |
| Average equity | $8,606,500 | 4,643 |
| Average total loans | $71,568,000 | 3,935 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1834% | 2,747 |
| Cost of funding earning assets | 1.0000% | 213 |
| Net interest margin | 3.1833% | 4,490 |
| Noninterest income to average assets | 0.2701% | 4,507 |
| Noninterest expense to average assets | 2.5028% | 3,770 |
| Loan and lease loss provision to assets | 0.2062% | 991 |
| Net operating income to assets | 0.5353% | 4,277 |
| Return on assets (ROA) | 0.5353% | 4,310 |
| Pretax return on assets | 0.5353% | 4,871 |
| Return on Equity (ROE) | 5.8948% | 3,805 |
| Retained earnings to average equity (ytd only) | 5.8948% | 1,594 |
| Net charge-offs to loans | 0.0347% | 3,101 |
| Credit loss provision to net charge-offs | 814.2857% | 422 |
| Earnings coverage of net charge-offs (x) | 29.2857% | 1,574 |
| Efficiency ratio | 76.9602% | 1,489 |
| Assets per employee ($millions) | 4.7105% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8371% | 4,709 |
| Loan loss allowance to noncurrent loans | 326.9663% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 4,185 |
| Noncurrent loans to loans | 0.2560% | 3,871 |
| Net loans and leases to total assets | 73.1812% | 2,066 |
| Net loans and leases to deposits | 86.7373% | 2,169 |
| Net loans and leases to core deposits | 95.7462% | 2,046 |
| Total domestic deposits to total assets | 84.3711% | 3,076 |
| Equity capital to assets | 9.1275% | 4,596 |
| Core capital (leverage) ratio | 8.8507% | 4,806 |
| Tier 1 risk-based capital ratio | 12.4599% | 4,232 |
| Total risk-based capital ratio | 13.3654% | 4,345 |
| Memoranda: | ||
| Average total assets | $82,945,600 | 4,532 |
| Average earning assets | $77,497,400 | 4,507 |
| Average equity | $7,532,000 | 4,855 |
| Average total loans | $60,458,200 | 4,194 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 2,926 |
| Cost of funding earning assets | 0.9542% | 250 |
| Net interest margin | 3.1630% | 4,554 |
| Noninterest income to average assets | 0.2879% | 4,467 |
| Noninterest expense to average assets | 2.5109% | 3,695 |
| Loan and lease loss provision to assets | 0.2696% | 614 |
| Net operating income to assets | 0.4692% | 4,826 |
| Return on assets (ROA) | 0.4692% | 4,861 |
| Pretax return on assets | 0.4692% | 5,087 |
| Return on Equity (ROE) | 5.1752% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.1752% | 2,765 |
| Net charge-offs to loans | 0.0481% | 2,473 |
| Credit loss provision to net charge-offs | 771.4286% | 445 |
| Earnings coverage of net charge-offs (x) | 21.1425% | 1,925 |
| Efficiency ratio | 77.0609% | 1,453 |
| Assets per employee ($millions) | 4.4709% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 4,664 |
| Loan loss allowance to noncurrent loans | 321.9101% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 4,295 |
| Noncurrent loans to loans | 0.2724% | 3,978 |
| Net loans and leases to total assets | 72.4515% | 2,191 |
| Net loans and leases to deposits | 86.6200% | 2,223 |
| Net loans and leases to core deposits | 96.1829% | 2,051 |
| Total domestic deposits to total assets | 83.6429% | 3,246 |
| Equity capital to assets | 9.4937% | 4,455 |
| Core capital (leverage) ratio | 9.3507% | 4,348 |
| Tier 1 risk-based capital ratio | 13.4891% | 3,713 |
| Total risk-based capital ratio | 14.4573% | 3,790 |
| Memoranda: | ||
| Average total assets | $80,129,500 | 4,631 |
| Average earning assets | $75,031,250 | 4,607 |
| Average equity | $7,265,250 | 4,949 |
| Average total loans | $58,191,250 | 4,284 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 3,062 |
| Cost of funding earning assets | 0.9151% | 276 |
| Net interest margin | 3.1203% | 4,629 |
| Noninterest income to average assets | 0.2622% | 4,660 |
| Noninterest expense to average assets | 2.5417% | 3,610 |
| Loan and lease loss provision to assets | 0.3271% | 450 |
| Net operating income to assets | 0.3323% | 5,145 |
| Return on assets (ROA) | 0.3323% | 5,167 |
| Pretax return on assets | 0.3323% | 5,295 |
| Return on Equity (ROE) | 3.7332% | 4,904 |
| Retained earnings to average equity (ytd only) | 3.7332% | 3,479 |
| Net charge-offs to loans | 0.0645% | 2,013 |
| Credit loss provision to net charge-offs | 700.0000% | 501 |
| Earnings coverage of net charge-offs (x) | 14.1111% | 2,094 |
| Efficiency ratio | 79.2376% | 1,302 |
| Assets per employee ($millions) | 4.2562% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 4,704 |
| Loan loss allowance to noncurrent loans | 1,255.8140% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 5,023 |
| Noncurrent loans to loans | 0.0703% | 4,848 |
| Net loans and leases to total assets | 71.2091% | 2,333 |
| Net loans and leases to deposits | 84.5683% | 2,397 |
| Net loans and leases to core deposits | 95.0884% | 2,062 |
| Total domestic deposits to total assets | 84.2030% | 3,123 |
| Equity capital to assets | 9.8163% | 4,114 |
| Core capital (leverage) ratio | 9.9874% | 3,553 |
| Tier 1 risk-based capital ratio | 13.8578% | 3,499 |
| Total risk-based capital ratio | 14.8145% | 3,580 |
| Memoranda: | ||
| Average total assets | $77,033,670 | 4,724 |
| Average earning assets | $72,558,000 | 4,685 |
| Average equity | $6,857,330 | 5,044 |
| Average total loans | $55,802,670 | 4,358 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0043% | 3,028 |
| Cost of funding earning assets | 0.8814% | 313 |
| Net interest margin | 3.1229% | 4,592 |
| Noninterest income to average assets | 0.2521% | 4,734 |
| Noninterest expense to average assets | 2.5977% | 3,515 |
| Loan and lease loss provision to assets | 0.3836% | 295 |
| Net operating income to assets | 0.2028% | 5,391 |
| Return on assets (ROA) | 0.2028% | 5,405 |
| Pretax return on assets | 0.2028% | 5,434 |
| Return on Equity (ROE) | 2.4231% | 5,253 |
| Retained earnings to average equity (ytd only) | 2.4231% | 4,177 |
| Net charge-offs to loans | 0.0376% | 2,043 |
| Credit loss provision to net charge-offs | 1,400.0000% | 240 |
| Earnings coverage of net charge-offs (x) | 21.4000% | 1,445 |
| Efficiency ratio | 81.4114% | 1,217 |
| Assets per employee ($millions) | 3.9613% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8991% | 4,758 |
| Loan loss allowance to noncurrent loans | 871.9298% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 4,974 |
| Noncurrent loans to loans | 0.1031% | 4,778 |
| Net loans and leases to total assets | 72.7868% | 1,946 |
| Net loans and leases to deposits | 85.5891% | 2,082 |
| Net loans and leases to core deposits | 92.0831% | 2,157 |
| Total domestic deposits to total assets | 85.0422% | 3,068 |
| Equity capital to assets | 8.1725% | 5,434 |
| Core capital (leverage) ratio | 8.0193% | 5,553 |
| Tier 1 risk-based capital ratio | 11.5527% | 4,993 |
| Total risk-based capital ratio | 12.5586% | 5,043 |
| Memoranda: | ||
| Average total assets | $72,988,500 | 4,851 |
| Average earning assets | $68,526,500 | 4,818 |
| Average equity | $6,108,000 | 5,221 |
| Average total loans | $53,126,000 | 4,481 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8204% | 3,833 |
| Cost of funding earning assets | 0.9043% | 289 |
| Net interest margin | 2.9160% | 5,110 |
| Noninterest income to average assets | 0.2165% | 5,118 |
| Noninterest expense to average assets | 2.4390% | 4,189 |
| Loan and lease loss provision to assets | 0.0534% | 3,317 |
| Net operating income to assets | 0.4817% | 4,704 |
| Return on assets (ROA) | 0.5061% | 4,683 |
| Pretax return on assets | 0.5061% | 5,012 |
| Return on Equity (ROE) | 6.0580% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.0580% | 1,678 |
| Net charge-offs to loans | 0.0134% | 3,829 |
| Credit loss provision to net charge-offs | 583.3333% | 587 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 913 |
| Efficiency ratio | 81.7529% | 1,231 |
| Assets per employee ($millions) | 4.4195% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 4,958 |
| Loan loss allowance to noncurrent loans | 962.2222% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 5,077 |
| Noncurrent loans to loans | 0.0883% | 4,885 |
| Net loans and leases to total assets | 71.4716% | 2,249 |
| Net loans and leases to deposits | 83.4294% | 2,484 |
| Net loans and leases to core deposits | 89.8152% | 2,520 |
| Total domestic deposits to total assets | 85.6672% | 2,749 |
| Equity capital to assets | 8.5770% | 5,210 |
| Core capital (leverage) ratio | 8.2437% | 5,480 |
| Tier 1 risk-based capital ratio | 12.2306% | 4,551 |
| Total risk-based capital ratio | 13.1663% | 4,669 |
| Memoranda: | ||
| Average total assets | $65,599,800 | 5,019 |
| Average earning assets | $62,036,200 | 4,978 |
| Average equity | $5,480,400 | 5,377 |
| Average total loans | $44,766,200 | 4,720 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7580% | 4,052 |
| Cost of funding earning assets | 0.9088% | 275 |
| Net interest margin | 2.8492% | 5,270 |
| Noninterest income to average assets | 0.2156% | 5,172 |
| Noninterest expense to average assets | 2.4128% | 4,248 |
| Loan and lease loss provision to assets | 0.0726% | 2,761 |
| Net operating income to assets | 0.4270% | 4,943 |
| Return on assets (ROA) | 0.4602% | 4,916 |
| Pretax return on assets | 0.4602% | 5,212 |
| Return on Equity (ROE) | 5.5489% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.5489% | 2,458 |
| Net charge-offs to loans | 0.0185% | 3,345 |
| Credit loss provision to net charge-offs | 583.3333% | 626 |
| Earnings coverage of net charge-offs (x) | 40.1663% | 1,243 |
| Efficiency ratio | 82.5623% | 1,119 |
| Assets per employee ($millions) | 4.6263% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 4,871 |
| Loan loss allowance to noncurrent loans | 234.7826% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 4,376 |
| Noncurrent loans to loans | 0.3835% | 3,885 |
| Net loans and leases to total assets | 68.5261% | 2,721 |
| Net loans and leases to deposits | 82.8969% | 2,618 |
| Net loans and leases to core deposits | 88.6968% | 2,689 |
| Total domestic deposits to total assets | 82.6642% | 3,720 |
| Equity capital to assets | 8.5843% | 5,486 |
| Core capital (leverage) ratio | 8.4079% | 5,424 |
| Tier 1 risk-based capital ratio | 12.3068% | 4,604 |
| Total risk-based capital ratio | 13.2905% | 4,667 |
| Memoranda: | ||
| Average total assets | $64,321,750 | 5,090 |
| Average earning assets | $60,882,000 | 5,042 |
| Average equity | $5,334,250 | 5,467 |
| Average total loans | $43,214,750 | 4,816 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7286% | 4,195 |
| Cost of funding earning assets | 0.9414% | 231 |
| Net interest margin | 2.7872% | 5,442 |
| Noninterest income to average assets | 0.1948% | 5,330 |
| Noninterest expense to average assets | 2.3726% | 4,420 |
| Loan and lease loss provision to assets | 0.0415% | 3,319 |
| Net operating income to assets | 0.4279% | 4,947 |
| Return on assets (ROA) | 0.4790% | 4,871 |
| Pretax return on assets | 0.4790% | 5,175 |
| Return on Equity (ROE) | 5.8518% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.8518% | 2,212 |
| Net charge-offs to loans | 0.0288% | 2,901 |
| Credit loss provision to net charge-offs | 216.6667% | 1,232 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,543 |
| Efficiency ratio | 83.2584% | 1,117 |
| Assets per employee ($millions) | 4.6579% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 4,760 |
| Loan loss allowance to noncurrent loans | 1,640.0000% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 5,425 |
| Noncurrent loans to loans | 0.0579% | 5,221 |
| Net loans and leases to total assets | 65.6193% | 3,137 |
| Net loans and leases to deposits | 72.2528% | 3,760 |
| Net loans and leases to core deposits | 78.5314% | 3,600 |
| Total domestic deposits to total assets | 90.8190% | 226 |
| Equity capital to assets | 9.0537% | 5,201 |
| Core capital (leverage) ratio | 8.3783% | 5,464 |
| Tier 1 risk-based capital ratio | 13.8673% | 3,689 |
| Total risk-based capital ratio | 14.9344% | 3,704 |
| Memoranda: | ||
| Average total assets | $62,631,000 | 5,183 |
| Average earning assets | $59,486,330 | 5,129 |
| Average equity | $5,126,670 | 5,560 |
| Average total loans | $41,624,670 | 4,912 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7247% | 4,231 |
| Cost of funding earning assets | 0.9346% | 245 |
| Net interest margin | 2.7901% | 5,482 |
| Noninterest income to average assets | 0.1630% | 5,518 |
| Noninterest expense to average assets | 2.3801% | 4,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4304% | 4,899 |
| Return on assets (ROA) | 0.4304% | 4,977 |
| Pretax return on assets | 0.4304% | 5,243 |
| Return on Equity (ROE) | 5.5720% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.5720% | 2,601 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4548% | 1,120 |
| Assets per employee ($millions) | 4.8928% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 4,743 |
| Loan loss allowance to noncurrent loans | 1,612.0000% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 5,471 |
| Noncurrent loans to loans | 0.0604% | 5,239 |
| Net loans and leases to total assets | 64.4122% | 3,184 |
| Net loans and leases to deposits | 69.7385% | 3,877 |
| Net loans and leases to core deposits | 74.4544% | 3,843 |
| Total domestic deposits to total assets | 92.3624% | 76 |
| Equity capital to assets | 7.4993% | 5,947 |
| Core capital (leverage) ratio | 7.0749% | 5,992 |
| Tier 1 risk-based capital ratio | 11.8843% | 4,986 |
| Total risk-based capital ratio | 13.0073% | 4,980 |
| Memoranda: | ||
| Average total assets | $61,341,000 | 5,260 |
| Average earning assets | $58,205,500 | 5,211 |
| Average equity | $4,738,000 | 5,668 |
| Average total loans | $40,836,500 | 4,983 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 3,800 |
| Cost of funding earning assets | 0.8842% | 312 |
| Net interest margin | 2.9878% | 5,169 |
| Noninterest income to average assets | 0.2549% | 5,068 |
| Noninterest expense to average assets | 2.5471% | 4,081 |
| Loan and lease loss provision to assets | 0.1610% | 1,433 |
| Net operating income to assets | 0.3316% | 5,265 |
| Return on assets (ROA) | 0.3316% | 5,353 |
| Pretax return on assets | 0.3316% | 5,454 |
| Return on Equity (ROE) | 3.7809% | 5,034 |
| Retained earnings to average equity (ytd only) | 3.7809% | 3,350 |
| Net charge-offs to loans | 0.0028% | 4,368 |
| Credit loss provision to net charge-offs | 8,400.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 276 |
| Efficiency ratio | 83.4805% | 1,227 |
| Assets per employee ($millions) | 4.2197% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 4,619 |
| Loan loss allowance to noncurrent loans | 4,477.7778% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 5,636 |
| Noncurrent loans to loans | 0.0223% | 5,426 |
| Net loans and leases to total assets | 67.5350% | 2,779 |
| Net loans and leases to deposits | 73.4819% | 3,552 |
| Net loans and leases to core deposits | 78.8790% | 3,455 |
| Total domestic deposits to total assets | 91.9070% | 117 |
| Equity capital to assets | 7.9660% | 5,862 |
| Core capital (leverage) ratio | 7.3678% | 5,999 |
| Tier 1 risk-based capital ratio | 12.0246% | 4,930 |
| Total risk-based capital ratio | 13.1767% | 4,903 |
| Memoranda: | ||
| Average total assets | $52,177,200 | 5,500 |
| Average earning assets | $48,631,800 | 5,466 |
| Average equity | $4,575,600 | 5,747 |
| Average total loans | $35,422,600 | 5,177 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7155% | 4,373 |
| Cost of funding earning assets | 0.8598% | 359 |
| Net interest margin | 2.8556% | 5,485 |
| Noninterest income to average assets | 0.3832% | 4,197 |
| Noninterest expense to average assets | 2.6083% | 3,850 |
| Loan and lease loss provision to assets | 0.1453% | 1,504 |
| Net operating income to assets | 0.2801% | 5,515 |
| Return on assets (ROA) | 0.2801% | 5,586 |
| Pretax return on assets | 0.2801% | 5,671 |
| Return on Equity (ROE) | 3.1109% | 5,346 |
| Retained earnings to average equity (ytd only) | 3.1109% | 4,239 |
| Net charge-offs to loans | 0.0039% | 4,048 |
| Credit loss provision to net charge-offs | 5,500.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 161.3985% | 435 |
| Efficiency ratio | 85.6272% | 1,030 |
| Assets per employee ($millions) | 4.7115% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 4,763 |
| Loan loss allowance to noncurrent loans | 192.7835% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 4,403 |
| Noncurrent loans to loans | 0.5173% | 3,803 |
| Net loans and leases to total assets | 65.6691% | 3,064 |
| Net loans and leases to deposits | 71.6328% | 3,813 |
| Net loans and leases to core deposits | 73.1615% | 4,090 |
| Total domestic deposits to total assets | 91.6746% | 128 |
| Equity capital to assets | 8.2210% | 5,861 |
| Core capital (leverage) ratio | 7.9744% | 5,919 |
| Tier 1 risk-based capital ratio | 13.4670% | 4,155 |
| Total risk-based capital ratio | 14.6858% | 4,097 |
| Memoranda: | ||
| Average total assets | $50,452,500 | 5,602 |
| Average earning assets | $46,830,250 | 5,574 |
| Average equity | $4,543,000 | 5,830 |
| Average total loans | $34,203,250 | 5,273 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7067% | 4,385 |
| Cost of funding earning assets | 0.8426% | 394 |
| Net interest margin | 2.8641% | 5,505 |
| Noninterest income to average assets | 0.4130% | 3,983 |
| Noninterest expense to average assets | 2.6805% | 3,652 |
| Loan and lease loss provision to assets | 0.1280% | 1,733 |
| Net operating income to assets | 0.2437% | 5,594 |
| Return on assets (ROA) | 0.2437% | 5,667 |
| Pretax return on assets | 0.2437% | 5,750 |
| Return on Equity (ROE) | 2.6176% | 5,526 |
| Retained earnings to average equity (ytd only) | 2.6176% | 4,393 |
| Net charge-offs to loans | 0.0060% | 3,692 |
| Credit loss provision to net charge-offs | 3,100.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 647 |
| Efficiency ratio | 87.4154% | 948 |
| Assets per employee ($millions) | 4.3111% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 4,887 |
| Loan loss allowance to noncurrent loans | 176.7677% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 4,365 |
| Noncurrent loans to loans | 0.5629% | 3,766 |
| Net loans and leases to total assets | 67.3168% | 2,746 |
| Net loans and leases to deposits | 74.0139% | 3,489 |
| Net loans and leases to core deposits | 75.7526% | 3,795 |
| Total domestic deposits to total assets | 90.9516% | 305 |
| Equity capital to assets | 8.9015% | 5,342 |
| Core capital (leverage) ratio | 8.6538% | 5,365 |
| Tier 1 risk-based capital ratio | 14.5875% | 3,587 |
| Total risk-based capital ratio | 15.8353% | 3,517 |
| Memoranda: | ||
| Average total assets | $48,424,000 | 5,712 |
| Average earning assets | $44,621,330 | 5,695 |
| Average equity | $4,508,000 | 5,894 |
| Average total loans | $33,103,670 | 5,365 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7718% | 4,124 |
| Cost of funding earning assets | 0.8508% | 381 |
| Net interest margin | 2.9210% | 5,404 |
| Noninterest income to average assets | 0.2651% | 5,058 |
| Noninterest expense to average assets | 2.6513% | 3,744 |
| Loan and lease loss provision to assets | 0.0257% | 3,368 |
| Net operating income to assets | 0.2309% | 5,610 |
| Return on assets (ROA) | 0.2309% | 5,698 |
| Pretax return on assets | 0.2309% | 5,788 |
| Return on Equity (ROE) | 2.4218% | 5,566 |
| Retained earnings to average equity (ytd only) | 2.4218% | 4,484 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8824% | 790 |
| Assets per employee ($millions) | 4.6437% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 5,029 |
| Loan loss allowance to noncurrent loans | 538.3333% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 5,438 |
| Noncurrent loans to loans | 0.1857% | 5,115 |
| Net loans and leases to total assets | 68.8976% | 2,303 |
| Net loans and leases to deposits | 76.3525% | 3,012 |
| Net loans and leases to core deposits | 78.3725% | 3,338 |
| Total domestic deposits to total assets | 90.2362% | 635 |
| Equity capital to assets | 9.6324% | 4,593 |
| Core capital (leverage) ratio | 8.8628% | 5,122 |
| Tier 1 risk-based capital ratio | 15.7528% | 3,036 |
| Total risk-based capital ratio | 18.2377% | 2,438 |
| Memoranda: | ||
| Average total assets | $46,769,500 | 5,796 |
| Average earning assets | $42,314,500 | 5,804 |
| Average equity | $4,459,500 | 5,955 |
| Average total loans | $32,068,000 | 5,439 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 4,646 |
| Cost of funding earning assets | 0.6970% | 1,127 |
| Net interest margin | 3.0519% | 5,309 |
| Noninterest income to average assets | 0.7430% | 2,112 |
| Noninterest expense to average assets | 3.0203% | 2,788 |
| Loan and lease loss provision to assets | 0.3392% | 570 |
| Net operating income to assets | 0.1534% | 5,867 |
| Return on assets (ROA) | 0.1534% | 5,915 |
| Pretax return on assets | 0.1534% | 5,936 |
| Return on Equity (ROE) | 1.3140% | 5,933 |
| Retained earnings to average equity (ytd only) | 1.3140% | 5,187 |
| Net charge-offs to loans | 0.0347% | 4,140 |
| Credit loss provision to net charge-offs | 1,400.0000% | 200 |
| Earnings coverage of net charge-offs (x) | 20.3333% | 1,730 |
| Efficiency ratio | 85.5939% | 1,214 |
| Assets per employee ($millions) | 4.7102% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 5,011 |
| Loan loss allowance to noncurrent loans | 524.5902% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 5,512 |
| Noncurrent loans to loans | 0.1917% | 5,135 |
| Net loans and leases to total assets | 66.8740% | 2,749 |
| Net loans and leases to deposits | 73.9118% | 3,449 |
| Net loans and leases to core deposits | 75.2359% | 3,799 |
| Total domestic deposits to total assets | 90.4781% | 547 |
| Equity capital to assets | 9.4391% | 4,793 |
| Core capital (leverage) ratio | 9.4852% | 4,267 |
| Tier 1 risk-based capital ratio | 14.7738% | 3,619 |
| Total risk-based capital ratio | 15.9841% | 3,567 |
| Memoranda: | ||
| Average total assets | $37,149,000 | 6,098 |
| Average earning assets | $33,716,600 | 6,101 |
| Average equity | $4,338,000 | 6,023 |
| Average total loans | $25,922,000 | 5,739 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6358% | 5,051 |
| Cost of funding earning assets | 0.6504% | 1,455 |
| Net interest margin | 2.9853% | 5,526 |
| Noninterest income to average assets | 0.7193% | 2,231 |
| Noninterest expense to average assets | 3.0735% | 2,548 |
| Loan and lease loss provision to assets | 0.2693% | 783 |
| Net operating income to assets | 0.1308% | 5,976 |
| Return on assets (ROA) | 0.1308% | 6,008 |
| Pretax return on assets | 0.1308% | 6,028 |
| Return on Equity (ROE) | 1.0515% | 6,019 |
| Retained earnings to average equity (ytd only) | 1.0515% | 5,464 |
| Net charge-offs to loans | 0.0491% | 3,519 |
| Credit loss provision to net charge-offs | 777.7778% | 400 |
| Earnings coverage of net charge-offs (x) | 11.5550% | 2,415 |
| Efficiency ratio | 88.0399% | 996 |
| Assets per employee ($millions) | 4.0156% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8710% | 5,686 |
| 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 | 74.5368% | 1,435 |
| Net loans and leases to deposits | 83.6108% | 2,210 |
| Net loans and leases to core deposits | 86.0086% | 2,665 |
| Total domestic deposits to total assets | 89.1473% | 1,154 |
| Equity capital to assets | 10.7655% | 3,220 |
| Core capital (leverage) ratio | 10.3818% | 3,180 |
| Tier 1 risk-based capital ratio | 16.1009% | 3,016 |
| Total risk-based capital ratio | 17.1923% | 3,030 |
| Memoranda: | ||
| Average total assets | $34,660,750 | 6,238 |
| Average earning assets | $31,977,750 | 6,221 |
| Average equity | $4,311,000 | 6,093 |
| Average total loans | $24,447,750 | 5,864 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5894% | 5,180 |
| Cost of funding earning assets | 0.6248% | 1,686 |
| Net interest margin | 2.9645% | 5,601 |
| Noninterest income to average assets | 0.7798% | 1,914 |
| Noninterest expense to average assets | 3.1131% | 2,445 |
| Loan and lease loss provision to assets | 0.2741% | 750 |
| Net operating income to assets | 0.1097% | 6,028 |
| Return on assets (ROA) | 0.1097% | 6,066 |
| Pretax return on assets | 0.1097% | 6,080 |
| Return on Equity (ROE) | 0.8358% | 6,083 |
| Retained earnings to average equity (ytd only) | 0.8358% | 5,416 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6760% | 1,030 |
| Assets per employee ($millions) | 3.5626% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 5,368 |
| 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 | 69.1798% | 2,201 |
| Net loans and leases to deposits | 78.8067% | 2,690 |
| Net loans and leases to core deposits | 81.4044% | 3,049 |
| Total domestic deposits to total assets | 87.7842% | 2,046 |
| Equity capital to assets | 12.0895% | 1,923 |
| Core capital (leverage) ratio | 11.3354% | 2,130 |
| Tier 1 risk-based capital ratio | 19.0596% | 1,908 |
| Total risk-based capital ratio | 20.2832% | 1,881 |
| Memoranda: | ||
| Average total assets | $32,829,000 | 6,332 |
| Average earning assets | $30,089,000 | 6,315 |
| Average equity | $4,307,000 | 6,137 |
| Average total loans | $22,532,330 | 5,977 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5228% | 5,367 |
| Cost of funding earning assets | 0.5848% | 2,117 |
| Net interest margin | 2.9380% | 5,676 |
| Noninterest income to average assets | 1.1581% | 827 |
| Noninterest expense to average assets | 3.3471% | 1,836 |
| Loan and lease loss provision to assets | 0.3054% | 628 |
| Net operating income to assets | 0.1909% | 5,826 |
| Return on assets (ROA) | 0.1909% | 5,871 |
| Pretax return on assets | 0.1909% | 5,932 |
| Return on Equity (ROE) | 1.3931% | 5,949 |
| Retained earnings to average equity (ytd only) | 1.3931% | 5,054 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7550% | 1,363 |
| Assets per employee ($millions) | 3.0205% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 5,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 67.2506% | 2,348 |
| Net loans and leases to deposits | 77.4381% | 2,635 |
| Net loans and leases to core deposits | 78.1204% | 3,189 |
| Total domestic deposits to total assets | 86.8442% | 2,916 |
| Equity capital to assets | 12.9571% | 1,325 |
| Core capital (leverage) ratio | 12.3504% | 1,448 |
| Tier 1 risk-based capital ratio | 20.4505% | 1,601 |
| Total risk-based capital ratio | 21.6534% | 1,583 |
| Memoranda: | ||
| Average total assets | $31,430,500 | 6,427 |
| Average earning assets | $28,727,500 | 6,401 |
| Average equity | $4,307,000 | 6,183 |
| Average total loans | $21,351,500 | 6,078 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2678% | 6,049 |
| Cost of funding earning assets | 0.3868% | 4,783 |
| Net interest margin | 2.8810% | 5,819 |
| Noninterest income to average assets | 0.6408% | 2,860 |
| Noninterest expense to average assets | 4.3055% | 630 |
| Loan and lease loss provision to assets | 0.6583% | 361 |
| Net operating income to assets | -1.7731% | 6,698 |
| Return on assets (ROA) | -1.7731% | 6,697 |
| Pretax return on assets | -1.7731% | 6,693 |
| Return on Equity (ROE) | -9.0644% | 6,575 |
| Retained earnings to average equity (ytd only) | -9.0644% | 6,520 |
| Net charge-offs to loans | 0.0221% | 4,990 |
| Credit loss provision to net charge-offs | 5,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | -84.6667% | 5,463 |
| Efficiency ratio | 134.2503% | 97 |
| Assets per employee ($millions) | 2.6942% | 6,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 5,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 67.2459% | 2,480 |
| Net loans and leases to deposits | 78.8611% | 2,608 |
| Net loans and leases to core deposits | 78.8611% | 3,260 |
| Total domestic deposits to total assets | 85.2713% | 3,608 |
| Equity capital to assets | 14.5397% | 772 |
| Core capital (leverage) ratio | 13.6706% | 910 |
| Tier 1 risk-based capital ratio | 22.5381% | 1,172 |
| Total risk-based capital ratio | 23.7280% | 1,156 |
| Memoranda: | ||
| Average total assets | $22,785,000 | 6,663 |
| Average earning assets | $20,166,600 | 6,653 |
| Average equity | $4,457,000 | 6,218 |
| Average total loans | $13,582,800 | 6,467 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0925% | 6,328 |
| Cost of funding earning assets | 0.3244% | 5,510 |
| Net interest margin | 2.7681% | 6,065 |
| Noninterest income to average assets | 0.6897% | 2,668 |
| Noninterest expense to average assets | 4.6126% | 463 |
| Loan and lease loss provision to assets | 0.7909% | 250 |
| Net operating income to assets | -2.2841% | 6,815 |
| Return on assets (ROA) | -2.2841% | 6,816 |
| Pretax return on assets | -2.2841% | 6,809 |
| Return on Equity (ROE) | -10.7103% | 6,699 |
| Retained earnings to average equity (ytd only) | -10.7103% | 6,656 |
| Net charge-offs to loans | 0.0335% | 4,462 |
| Credit loss provision to net charge-offs | 4,166.6667% | 76 |
| Earnings coverage of net charge-offs (x) | -78.6650% | 5,201 |
| Efficiency ratio | 147.0588% | 81 |
| Assets per employee ($millions) | 2.3841% | 6,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 5,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 6,516 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 65.6015% | 2,706 |
| Net loans and leases to deposits | 78.5822% | 2,573 |
| Net loans and leases to core deposits | 78.5822% | 3,286 |
| Total domestic deposits to total assets | 83.4814% | 4,388 |
| Equity capital to assets | 16.4271% | 478 |
| Core capital (leverage) ratio | 16.2612% | 462 |
| Tier 1 risk-based capital ratio | 22.3873% | 1,250 |
| Total risk-based capital ratio | 23.4242% | 1,268 |
| Memoranda: | ||
| Average total assets | $21,072,250 | 6,760 |
| Average earning assets | $18,496,250 | 6,750 |
| Average equity | $4,494,000 | 6,286 |
| Average total loans | $11,945,500 | 6,590 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9309% | 6,508 |
| Cost of funding earning assets | 0.2763% | 6,009 |
| Net interest margin | 2.6547% | 6,252 |
| Noninterest income to average assets | 0.8267% | 2,081 |
| Noninterest expense to average assets | 5.0117% | 350 |
| Loan and lease loss provision to assets | 0.2583% | 1,432 |
| Net operating income to assets | -2.1597% | 6,858 |
| Return on assets (ROA) | -2.1597% | 6,865 |
| Pretax return on assets | -2.1597% | 6,859 |
| Return on Equity (ROE) | -9.1747% | 6,729 |
| Retained earnings to average equity (ytd only) | -9.1747% | 6,645 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.1329% | 57 |
| Assets per employee ($millions) | 2.0178% | 6,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6036% | 6,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 60.0964% | 3,638 |
| Net loans and leases to deposits | 75.3488% | 2,966 |
| Net loans and leases to core deposits | 75.3488% | 3,630 |
| Total domestic deposits to total assets | 79.7576% | 5,657 |
| Equity capital to assets | 20.0937% | 205 |
| Core capital (leverage) ratio | 20.5749% | 165 |
| Tier 1 risk-based capital ratio | 33.3055% | 398 |
| Total risk-based capital ratio | 33.9810% | 407 |
| Memoranda: | ||
| Average total assets | $19,354,670 | 6,835 |
| Average earning assets | $16,650,000 | 6,834 |
| Average equity | $4,556,000 | 6,315 |
| Average total loans | $10,133,330 | 6,700 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8688% | 6,636 |
| Cost of funding earning assets | 0.2681% | 6,174 |
| Net interest margin | 2.6007% | 6,371 |
| Noninterest income to average assets | 0.3123% | 5,193 |
| Noninterest expense to average assets | 5.2637% | 305 |
| Loan and lease loss provision to assets | 0.1115% | 2,841 |
| Net operating income to assets | -2.8995% | 6,961 |
| Return on assets (ROA) | -2.8995% | 6,963 |
| Pretax return on assets | -2.8995% | 6,958 |
| Return on Equity (ROE) | -11.2945% | 6,826 |
| Retained earnings to average equity (ytd only) | -11.2945% | 6,663 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 211.7117% | 27 |
| Assets per employee ($millions) | 1.6919% | 6,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6221% | 6,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 52.3615% | 4,649 |
| Net loans and leases to deposits | 69.3397% | 3,596 |
| Net loans and leases to core deposits | 69.3397% | 4,151 |
| Total domestic deposits to total assets | 75.5145% | 6,414 |
| Equity capital to assets | 24.3888% | 101 |
| Core capital (leverage) ratio | 23.2992% | 106 |
| Tier 1 risk-based capital ratio | 41.7213% | 210 |
| Total risk-based capital ratio | 42.3463% | 213 |
| Memoranda: | ||
| Average total assets | $17,934,000 | 6,927 |
| Average earning assets | $14,919,000 | 6,940 |
| Average equity | $4,604,000 | 6,367 |
| Average total loans | $8,490,000 | 6,832 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4877% | 6,942 |
| Cost of funding earning assets | 0.2155% | 6,791 |
| Net interest margin | 2.2721% | 6,849 |
| Noninterest income to average assets | 0.2519% | 5,662 |
| Noninterest expense to average assets | 4.8327% | 430 |
| Loan and lease loss provision to assets | 0.1603% | 3,613 |
| Net operating income to assets | -2.7715% | 6,995 |
| Return on assets (ROA) | -2.6569% | 6,988 |
| Pretax return on assets | -2.6950% | 6,993 |
| Return on Equity (ROE) | -10.1856% | 6,726 |
| Retained earnings to average equity (ytd only) | -10.1856% | 6,642 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 219.2308% | 32 |
| Assets per employee ($millions) | 1.7257% | 6,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 6,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 41.2470% | 6,075 |
| Net loans and leases to deposits | 56.5864% | 5,379 |
| Net loans and leases to core deposits | 56.5864% | 5,670 |
| Total domestic deposits to total assets | 72.8922% | 6,632 |
| Equity capital to assets | 27.0557% | 77 |
| Core capital (leverage) ratio | 27.8312% | 72 |
| Tier 1 risk-based capital ratio | 58.0913% | 101 |
| Total risk-based capital ratio | 58.8658% | 102 |
| Memoranda: | ||
| Average total assets | $13,098,200 | 7,044 |
| Average earning assets | $11,135,000 | 7,035 |
| Average equity | $3,416,600 | 6,705 |
| Average total loans | $4,112,600 | 7,019 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4759% | 7,055 |
| Cost of funding earning assets | 0.2159% | 6,915 |
| Net interest margin | 2.2601% | 6,961 |
| Noninterest income to average assets | 0.2875% | 5,482 |
| Noninterest expense to average assets | 4.4670% | 559 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -2.2114% | 7,062 |
| Return on assets (ROA) | -2.2114% | 7,069 |
| Pretax return on assets | -2.2114% | 7,057 |
| Return on Equity (ROE) | -8.5922% | 6,830 |
| Retained earnings to average equity (ytd only) | -8.5922% | 6,770 |
| Net charge-offs to loans | -0.2390% | 7,019 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 195.5882% | 38 |
| Assets per employee ($millions) | 1.4315% | 7,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 5,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 5,811 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 24.1146% | 6,968 |
| Net loans and leases to deposits | 36.3790% | 6,806 |
| Net loans and leases to core deposits | 36.3790% | 6,849 |
| Total domestic deposits to total assets | 66.2871% | 6,973 |
| Equity capital to assets | 33.6500% | 56 |
| Core capital (leverage) ratio | 32.9107% | 57 |
| Tier 1 risk-based capital ratio | 36.3329% | 319 |
| Total risk-based capital ratio | 36.6705% | 335 |
| Memoranda: | ||
| Average total assets | $12,058,500 | 7,147 |
| Average earning assets | $10,500,750 | 7,136 |
| Average equity | $3,103,500 | 6,847 |
| Average total loans | $3,347,250 | 7,126 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6141% | 7,098 |
| Cost of funding earning assets | 0.2413% | 6,937 |
| Net interest margin | 2.3728% | 6,974 |
| Noninterest income to average assets | 0.2653% | 5,680 |
| Noninterest expense to average assets | 3.4317% | 1,954 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.0790% | 6,932 |
| Return on assets (ROA) | -1.0790% | 6,949 |
| Pretax return on assets | -1.0790% | 6,921 |
| Return on Equity (ROE) | -4.8177% | 6,764 |
| Retained earnings to average equity (ytd only) | -4.8177% | 6,607 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.6090% | 115 |
| Assets per employee ($millions) | 2.7446% | 6,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 5,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 5,871 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 20.3600% | 7,078 |
| Net loans and leases to deposits | 31.8986% | 6,967 |
| Net loans and leases to core deposits | 31.8986% | 6,991 |
| Total domestic deposits to total assets | 63.8272% | 7,087 |
| Equity capital to assets | 36.1146% | 49 |
| Core capital (leverage) ratio | 35.3357% | 47 |
| Tier 1 risk-based capital ratio | 37.7761% | 285 |
| Total risk-based capital ratio | 38.0636% | 305 |
| Memoranda: | ||
| Average total assets | $11,306,330 | 7,218 |
| Average earning assets | $9,946,000 | 7,203 |
| Average equity | $2,532,330 | 7,010 |
| Average total loans | $3,298,670 | 7,188 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9571% | 7,055 |
| Cost of funding earning assets | 0.2648% | 6,963 |
| Net interest margin | 2.6923% | 6,778 |
| Noninterest income to average assets | 0.3169% | 5,340 |
| Noninterest expense to average assets | 3.3670% | 2,100 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.6338% | 6,890 |
| Return on assets (ROA) | -0.6338% | 6,910 |
| Pretax return on assets | -0.6338% | 6,879 |
| Return on Equity (ROE) | -4.8466% | 6,846 |
| Retained earnings to average equity (ytd only) | -4.8466% | 6,571 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.2899% | 218 |
| Assets per employee ($millions) | 2.6250% | 6,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 5,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 5,671 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 29.8952% | 6,911 |
| Net loans and leases to deposits | 34.1976% | 6,946 |
| Net loans and leases to core deposits | 34.1976% | 6,988 |
| Total domestic deposits to total assets | 87.4190% | 2,709 |
| Equity capital to assets | 12.4952% | 1,724 |
| Core capital (leverage) ratio | 10.9555% | 2,295 |
| Tier 1 risk-based capital ratio | 12.5902% | 5,528 |
| Total risk-based capital ratio | 12.9788% | 6,124 |
| Memoranda: | ||
| Average total assets | $10,098,000 | 7,287 |
| Average earning assets | $9,063,000 | 7,273 |
| Average equity | $1,320,500 | 7,249 |
| Average total loans | $3,533,500 | 7,246 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 6,671 |
| Cost of funding earning assets | 0.3900% | 6,919 |
| Net interest margin | 3.4630% | 5,274 |
| Noninterest income to average assets | 0.4270% | 4,386 |
| Noninterest expense to average assets | 3.4162% | 2,201 |
| Loan and lease loss provision to assets | 1.0936% | 827 |
| Net operating income to assets | -0.8749% | 6,686 |
| Return on assets (ROA) | -0.8749% | 6,714 |
| Pretax return on assets | -1.0311% | 6,744 |
| Return on Equity (ROE) | -5.9846% | 6,581 |
| Retained earnings to average equity (ytd only) | -5.9846% | 6,507 |
| Net charge-offs to loans | 3.5224% | 219 |
| Credit loss provision to net charge-offs | 67.7419% | 4,936 |
| Earnings coverage of net charge-offs (x) | 0.0387% | 5,793 |
| Efficiency ratio | 95.2096% | 860 |
| Assets per employee ($millions) | 2.4240% | 6,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8990% | 6,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 5,671 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 39.7896% | 6,553 |
| Net loans and leases to deposits | 46.1704% | 6,618 |
| Net loans and leases to core deposits | 46.1704% | 6,729 |
| Total domestic deposits to total assets | 86.1799% | 3,212 |
| Equity capital to assets | 13.7067% | 1,173 |
| Core capital (leverage) ratio | 11.9409% | 1,632 |
| Tier 1 risk-based capital ratio | 14.0859% | 4,265 |
| Total risk-based capital ratio | 14.5153% | 4,844 |
| Memoranda: | ||
| Average total assets | $9,601,200 | 7,335 |
| Average earning assets | $8,460,800 | 7,325 |
| Average equity | $1,403,600 | 7,299 |
| Average total loans | $4,400,400 | 7,279 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 6,795 |
| Cost of funding earning assets | 0.4264% | 6,951 |
| Net interest margin | 3.4112% | 5,536 |
| Noninterest income to average assets | 0.4315% | 4,426 |
| Noninterest expense to average assets | 3.3968% | 2,193 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2088% | 5,680 |
| Return on assets (ROA) | 0.2088% | 5,810 |
| Pretax return on assets | 0.0418% | 6,169 |
| Return on Equity (ROE) | 1.4062% | 5,976 |
| Retained earnings to average equity (ytd only) | 1.4062% | 5,445 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9514% | 824 |
| Assets per employee ($millions) | 2.3443% | 7,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9545% | 2,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 5,759 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 45.4730% | 6,191 |
| Net loans and leases to deposits | 53.7502% | 6,233 |
| Net loans and leases to core deposits | 53.7502% | 6,476 |
| Total domestic deposits to total assets | 84.6006% | 3,962 |
| Equity capital to assets | 15.2501% | 785 |
| Core capital (leverage) ratio | 13.3591% | 1,096 |
| Tier 1 risk-based capital ratio | 16.4008% | 2,911 |
| Total risk-based capital ratio | 17.5214% | 2,946 |
| Memoranda: | ||
| Average total assets | $9,577,500 | 7,413 |
| Average earning assets | $8,442,500 | 7,403 |
| Average equity | $1,422,250 | 7,373 |
| Average total loans | $4,527,250 | 7,350 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8370% | 6,881 |
| Cost of funding earning assets | 0.4473% | 7,016 |
| Net interest margin | 3.3897% | 5,589 |
| Noninterest income to average assets | 0.3940% | 4,728 |
| Noninterest expense to average assets | 3.2973% | 2,578 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0830% | 6,055 |
| Return on assets (ROA) | 0.0830% | 6,132 |
| Pretax return on assets | 0.0830% | 6,129 |
| Return on Equity (ROE) | 0.5635% | 6,173 |
| Retained earnings to average equity (ytd only) | 0.5635% | 5,626 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4785% | 948 |
| Assets per employee ($millions) | 2.3863% | 7,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9183% | 2,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 5,861 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 45.5317% | 6,308 |
| Net loans and leases to deposits | 53.6676% | 6,333 |
| Net loans and leases to core deposits | 53.6676% | 6,579 |
| Total domestic deposits to total assets | 84.8402% | 3,949 |
| Equity capital to assets | 14.8769% | 847 |
| Core capital (leverage) ratio | 12.8779% | 1,210 |
| Tier 1 risk-based capital ratio | 16.0537% | 2,955 |
| Total risk-based capital ratio | 17.1622% | 2,996 |
| Memoranda: | ||
| Average total assets | $9,644,330 | 7,488 |
| Average earning assets | $8,496,330 | 7,479 |
| Average equity | $1,419,670 | 7,444 |
| Average total loans | $4,586,670 | 7,423 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2393% | 6,176 |
| Cost of funding earning assets | 0.4239% | 7,175 |
| Net interest margin | 3.8154% | 3,535 |
| Noninterest income to average assets | 0.3714% | 4,938 |
| Noninterest expense to average assets | 3.3423% | 2,437 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3714% | 5,071 |
| Return on assets (ROA) | 0.3714% | 5,153 |
| Pretax return on assets | 0.3714% | 5,423 |
| Return on Equity (ROE) | 2.5361% | 5,588 |
| Retained earnings to average equity (ytd only) | 2.5361% | 4,641 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7778% | 1,543 |
| Assets per employee ($millions) | 2.4598% | 7,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8876% | 2,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 5,959 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 44.9029% | 6,390 |
| Net loans and leases to deposits | 52.6705% | 6,426 |
| Net loans and leases to core deposits | 52.6705% | 6,645 |
| Total domestic deposits to total assets | 85.2526% | 3,919 |
| Equity capital to assets | 14.4629% | 888 |
| Core capital (leverage) ratio | 12.7059% | 1,238 |
| Tier 1 risk-based capital ratio | 15.4811% | 3,168 |
| Total risk-based capital ratio | 16.5475% | 3,220 |
| Memoranda: | ||
| Average total assets | $9,694,000 | 7,547 |
| Average earning assets | $8,492,000 | 7,537 |
| Average equity | $1,419,500 | 7,498 |
| Average total loans | $4,664,500 | 7,479 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 5,419 |
| Cost of funding earning assets | 0.6668% | 6,969 |
| Net interest margin | 4.1295% | 2,450 |
| Noninterest income to average assets | 0.3875% | 4,995 |
| Noninterest expense to average assets | 3.7279% | 1,637 |
| Loan and lease loss provision to assets | 1.4870% | 1,001 |
| Net operating income to assets | -1.1309% | 6,753 |
| Return on assets (ROA) | -1.1205% | 6,774 |
| Pretax return on assets | -1.1205% | 6,705 |
| Return on Equity (ROE) | -7.0655% | 6,560 |
| Retained earnings to average equity (ytd only) | -7.3296% | 6,480 |
| Net charge-offs to loans | 3.4020% | 431 |
| Credit loss provision to net charge-offs | 70.2970% | 5,858 |
| Earnings coverage of net charge-offs (x) | 0.1683% | 5,943 |
| Efficiency ratio | 88.7179% | 1,420 |
| Assets per employee ($millions) | 2.3873% | 7,142 |
| Cash dividends to net income (ytd only)* | -3.7383% | 7,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 2,987 |
| Loan loss allowance to noncurrent loans | 170.0000% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 5,987 |
| Noncurrent loans to loans | 1.0361% | 4,997 |
| Net loans and leases to total assets | 49.6492% | 6,196 |
| Net loans and leases to deposits | 58.5526% | 6,208 |
| Net loans and leases to core deposits | 58.5526% | 6,514 |
| Total domestic deposits to total assets | 84.7942% | 3,948 |
| Equity capital to assets | 14.8288% | 830 |
| Core capital (leverage) ratio | 13.0886% | 1,099 |
| Tier 1 risk-based capital ratio | 15.6035% | 2,949 |
| Total risk-based capital ratio | 16.3052% | 3,165 |
| Memoranda: | ||
| Average total assets | $9,549,600 | 7,629 |
| Average earning assets | $8,548,200 | 7,618 |
| Average equity | $1,514,400 | 7,590 |
| Average total loans | $5,937,600 | 7,535 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9178% | 5,189 |
| Cost of funding earning assets | 0.6981% | 7,065 |
| Net interest margin | 4.2197% | 2,151 |
| Noninterest income to average assets | 0.4049% | 4,922 |
| Noninterest expense to average assets | 3.7557% | 1,465 |
| Loan and lease loss provision to assets | 0.1675% | 5,369 |
| Net operating income to assets | 0.2793% | 5,242 |
| Return on assets (ROA) | 0.2932% | 5,365 |
| Pretax return on assets | 0.2932% | 5,532 |
| Return on Equity (ROE) | 1.8194% | 5,672 |
| Retained earnings to average equity (ytd only) | 1.4730% | 5,210 |
| Net charge-offs to loans | 2.1881% | 829 |
| Credit loss provision to net charge-offs | 11.7647% | 6,320 |
| Earnings coverage of net charge-offs (x) | 0.3138% | 5,712 |
| Efficiency ratio | 87.0432% | 1,526 |
| Assets per employee ($millions) | 2.2593% | 7,343 |
| Cash dividends to net income (ytd only)* | 19.0357% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 6,722 |
| Loan loss allowance to noncurrent loans | 36.6667% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 1.6598% | 3,953 |
| Noncurrent loans to loans | 2.4744% | 3,147 |
| Net loans and leases to total assets | 66.4712% | 3,576 |
| Net loans and leases to deposits | 80.4581% | 3,363 |
| Net loans and leases to core deposits | 80.4581% | 4,457 |
| Total domestic deposits to total assets | 82.6159% | 4,745 |
| Equity capital to assets | 17.0632% | 511 |
| Core capital (leverage) ratio | 14.7856% | 761 |
| Tier 1 risk-based capital ratio | 17.9566% | 2,031 |
| Total risk-based capital ratio | 18.6892% | 2,155 |
| Memoranda: | ||
| Average total assets | $9,549,750 | 7,729 |
| Average earning assets | $8,594,500 | 7,714 |
| Average equity | $1,539,000 | 7,682 |
| Average total loans | $6,215,500 | 7,623 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9598% | 5,136 |
| Cost of funding earning assets | 0.7543% | 7,057 |
| Net interest margin | 4.2056% | 2,142 |
| Noninterest income to average assets | 0.3909% | 4,985 |
| Noninterest expense to average assets | 3.5389% | 1,931 |
| Loan and lease loss provision to assets | 0.0823% | 6,109 |
| Net operating income to assets | 0.5555% | 4,058 |
| Return on assets (ROA) | 0.5761% | 4,111 |
| Pretax return on assets | 0.5761% | 4,645 |
| Return on Equity (ROE) | 3.6411% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.6411% | 3,784 |
| Net charge-offs to loans | 3.2553% | 469 |
| Credit loss provision to net charge-offs | 3.9216% | 5,990 |
| Earnings coverage of net charge-offs (x) | 0.3039% | 5,421 |
| Efficiency ratio | 82.2660% | 2,127 |
| Assets per employee ($millions) | 2.3543% | 7,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 7,135 |
| Loan loss allowance to noncurrent loans | 31.3333% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 1.6991% | 3,894 |
| Noncurrent loans to loans | 2.4085% | 3,244 |
| Net loans and leases to total assets | 65.6366% | 3,915 |
| Net loans and leases to deposits | 78.9299% | 3,814 |
| Net loans and leases to core deposits | 82.2707% | 4,382 |
| Total domestic deposits to total assets | 83.1581% | 4,500 |
| Equity capital to assets | 16.5021% | 597 |
| Core capital (leverage) ratio | 14.2407% | 864 |
| Tier 1 risk-based capital ratio | 16.6749% | 2,414 |
| Total risk-based capital ratio | 17.2528% | 2,634 |
| Memoranda: | ||
| Average total assets | $9,720,670 | 7,795 |
| Average earning assets | $8,750,330 | 7,781 |
| Average equity | $1,538,000 | 7,748 |
| Average total loans | $6,266,670 | 7,686 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 5,818 |
| Cost of funding earning assets | 0.8558% | 6,917 |
| Net interest margin | 3.9635% | 3,033 |
| Noninterest income to average assets | 0.4457% | 4,515 |
| Noninterest expense to average assets | 3.2818% | 2,589 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5672% | 4,044 |
| Return on assets (ROA) | 0.5672% | 4,187 |
| Pretax return on assets | 0.7293% | 4,123 |
| Return on Equity (ROE) | 3.6601% | 5,046 |
| Retained earnings to average equity (ytd only) | 3.6601% | 3,955 |
| Net charge-offs to loans | -0.1273% | 7,568 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7980% | 2,597 |
| Assets per employee ($millions) | 2.4600% | 7,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3717% | 1,460 |
| Loan loss allowance to noncurrent loans | 55.4717% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.6931% | 2,705 |
| Noncurrent loans to loans | 4.2756% | 1,784 |
| Net loans and leases to total assets | 61.4939% | 4,858 |
| Net loans and leases to deposits | 73.1681% | 4,873 |
| Net loans and leases to core deposits | 73.1681% | 5,594 |
| Total domestic deposits to total assets | 84.0447% | 4,123 |
| Equity capital to assets | 15.6199% | 739 |
| Core capital (leverage) ratio | 13.7779% | 1,011 |
| Tier 1 risk-based capital ratio | 15.4457% | 2,894 |
| Total risk-based capital ratio | 16.8049% | 2,790 |
| Memoranda: | ||
| Average total assets | $9,872,500 | 7,894 |
| Average earning assets | $8,881,000 | 7,882 |
| Average equity | $1,530,000 | 7,834 |
| Average total loans | $6,286,000 | 7,781 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3933% | 4,735 |
| Cost of funding earning assets | 1.0787% | 7,034 |
| Net interest margin | 4.3146% | 1,676 |
| Noninterest income to average assets | -0.0105% | 7,726 |
| Noninterest expense to average assets | 3.5611% | 2,242 |
| Loan and lease loss provision to assets | 0.7248% | 2,942 |
| Net operating income to assets | -0.6192% | 6,289 |
| Return on assets (ROA) | -0.5988% | 6,263 |
| Pretax return on assets | -0.6198% | 6,111 |
| Return on Equity (ROE) | -3.5949% | 6,069 |
| Retained earnings to average equity (ytd only) | -6.1806% | 6,163 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8127% | 1,363 |
| Assets per employee ($millions) | 1.9810% | 7,740 |
| Cash dividends to net income (ytd only)* | -71.9298% | 7,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2749% | 1,523 |
| Loan loss allowance to noncurrent loans | 54.9242% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 2.6653% | 2,635 |
| Noncurrent loans to loans | 4.1418% | 1,772 |
| Net loans and leases to total assets | 62.8874% | 4,833 |
| Net loans and leases to deposits | 74.9489% | 4,881 |
| Net loans and leases to core deposits | 77.8917% | 6,264 |
| Total domestic deposits to total assets | 83.9071% | 4,069 |
| Equity capital to assets | 15.3761% | 826 |
| Core capital (leverage) ratio | 13.6824% | 1,048 |
| Tier 1 risk-based capital ratio | 14.7206% | 3,090 |
| Total risk-based capital ratio | 15.8316% | 3,113 |
| Memoranda: | ||
| Average total assets | $9,519,400 | 7,974 |
| Average earning assets | $8,065,600 | 7,966 |
| Average equity | $1,585,600 | 7,911 |
| Average total loans | $5,943,600 | 7,862 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5082% | 4,380 |
| Cost of funding earning assets | 1.1186% | 7,137 |
| Net interest margin | 4.3896% | 1,463 |
| Noninterest income to average assets | 0.4528% | 4,881 |
| Noninterest expense to average assets | 3.5232% | 2,217 |
| Loan and lease loss provision to assets | 0.9763% | 1,965 |
| Net operating income to assets | -0.3113% | 6,216 |
| Return on assets (ROA) | -0.3113% | 6,227 |
| Pretax return on assets | -0.3820% | 6,175 |
| Return on Equity (ROE) | -1.8317% | 6,073 |
| Retained earnings to average equity (ytd only) | -2.8309% | 5,904 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1615% | 2,408 |
| Assets per employee ($millions) | 1.8692% | 7,867 |
| Cash dividends to net income (ytd only)* | -54.5517% | 7,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3927% | 1,176 |
| Loan loss allowance to noncurrent loans | 54.9242% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.8247% | 2,459 |
| Noncurrent loans to loans | 4.3564% | 1,632 |
| Net loans and leases to total assets | 63.2891% | 5,020 |
| Net loans and leases to deposits | 76.4904% | 4,962 |
| Net loans and leases to core deposits | 79.7277% | 6,380 |
| Total domestic deposits to total assets | 82.7413% | 4,346 |
| Equity capital to assets | 16.9484% | 644 |
| Core capital (leverage) ratio | 15.0740% | 842 |
| Tier 1 risk-based capital ratio | 17.4236% | 2,138 |
| Total risk-based capital ratio | 18.6816% | 2,092 |
| Memoranda: | ||
| Average total assets | $9,423,000 | 8,059 |
| Average earning assets | $7,866,750 | 8,058 |
| Average equity | $1,601,250 | 7,993 |
| Average total loans | $5,836,000 | 7,943 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6540% | 3,796 |
| Cost of funding earning assets | 1.1725% | 7,186 |
| Net interest margin | 4.4815% | 1,215 |
| Noninterest income to average assets | 0.4445% | 4,896 |
| Noninterest expense to average assets | 3.8101% | 1,642 |
| Loan and lease loss provision to assets | 1.4605% | 1,188 |
| Net operating income to assets | -1.0160% | 6,998 |
| Return on assets (ROA) | -0.7408% | 6,792 |
| Pretax return on assets | -0.9102% | 6,754 |
| Return on Equity (ROE) | -4.3559% | 6,528 |
| Retained earnings to average equity (ytd only) | -5.8494% | 6,428 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6736% | 1,754 |
| Assets per employee ($millions) | 1.8922% | 7,923 |
| Cash dividends to net income (ytd only)* | -34.2857% | 7,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4859% | 915 |
| Loan loss allowance to noncurrent loans | 55.1331% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 2.7798% | 2,314 |
| Noncurrent loans to loans | 4.5088% | 1,425 |
| Net loans and leases to total assets | 60.1205% | 5,658 |
| Net loans and leases to deposits | 72.4586% | 5,675 |
| Net loans and leases to core deposits | 75.4577% | 6,709 |
| Total domestic deposits to total assets | 82.9722% | 4,249 |
| Equity capital to assets | 16.7213% | 705 |
| Core capital (leverage) ratio | 14.5233% | 1,018 |
| Tier 1 risk-based capital ratio | 17.7890% | 2,075 |
| Total risk-based capital ratio | 19.1644% | 1,980 |
| Memoranda: | ||
| Average total assets | $9,448,670 | 8,153 |
| Average earning assets | $7,676,000 | 8,153 |
| Average equity | $1,607,000 | 8,072 |
| Average total loans | $5,761,330 | 8,033 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0488% | 2,158 |
| Cost of funding earning assets | 1.2515% | 7,169 |
| Net interest margin | 4.7973% | 611 |
| Noninterest income to average assets | 0.4660% | 4,630 |
| Noninterest expense to average assets | 3.7702% | 1,526 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5507% | 4,212 |
| Return on assets (ROA) | 0.5507% | 4,396 |
| Pretax return on assets | 0.5931% | 4,776 |
| Return on Equity (ROE) | 3.2109% | 5,271 |
| Retained earnings to average equity (ytd only) | 0.2470% | 5,560 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4660% | 2,250 |
| Assets per employee ($millions) | 1.9198% | 7,947 |
| Cash dividends to net income (ytd only)* | 92.3077% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 3,632 |
| 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 | 56.7351% | 6,138 |
| Net loans and leases to deposits | 68.5721% | 6,121 |
| Net loans and leases to core deposits | 71.3574% | 6,939 |
| Total domestic deposits to total assets | 82.7378% | 4,272 |
| Equity capital to assets | 16.8455% | 740 |
| Core capital (leverage) ratio | 15.0361% | 967 |
| Tier 1 risk-based capital ratio | 19.9774% | 1,629 |
| Total risk-based capital ratio | 21.0489% | 1,612 |
| Memoranda: | ||
| Average total assets | $9,442,500 | 8,203 |
| Average earning assets | $7,671,000 | 8,200 |
| Average equity | $1,619,500 | 8,126 |
| Average total loans | $5,725,500 | 8,090 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0525% | 5,285 |
| Cost of funding earning assets | 1.3578% | 7,790 |
| Net interest margin | 4.6947% | 980 |
| Noninterest income to average assets | 0.4196% | 5,304 |
| Noninterest expense to average assets | 4.2059% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3377% | 5,407 |
| Return on assets (ROA) | 0.3377% | 5,228 |
| Pretax return on assets | 0.3889% | 5,290 |
| Return on Equity (ROE) | 1.9983% | 5,622 |
| Retained earnings to average equity (ytd only) | 0.6661% | 4,837 |
| Net charge-offs to loans | 0.0784% | 5,644 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 2,677 |
| Efficiency ratio | 89.3096% | 1,573 |
| Assets per employee ($millions) | 1.8572% | 8,008 |
| Cash dividends to net income (ytd only)* | 66.6667% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 3,919 |
| 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 | 63.0304% | 5,446 |
| Net loans and leases to deposits | 76.8816% | 5,488 |
| Net loans and leases to core deposits | 80.1122% | 6,607 |
| Total domestic deposits to total assets | 81.9836% | 4,208 |
| Equity capital to assets | 17.4672% | 721 |
| Core capital (leverage) ratio | 15.7642% | 873 |
| Tier 1 risk-based capital ratio | 18.4962% | 1,920 |
| Total risk-based capital ratio | 19.4917% | 1,929 |
| Memoranda: | ||
| Average total assets | $9,772,000 | 8,251 |
| Average earning assets | $8,690,600 | 8,234 |
| Average equity | $1,651,400 | 8,188 |
| Average total loans | $5,099,200 | 8,156 |