Home > State Bank > Performance and Condition Ratios
State Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6867% | 424 |
| Cost of funding earning assets | 2.4591% | 10 |
| Net interest margin | 3.2276% | 4,238 |
| Noninterest income to average assets | 0.3659% | 3,525 |
| Noninterest expense to average assets | 4.0826% | 480 |
| Loan and lease loss provision to assets | 0.9268% | 104 |
| Net operating income to assets | -1.6587% | 5,202 |
| Return on assets (ROA) | -1.6587% | 5,203 |
| Pretax return on assets | -2.1482% | 5,209 |
| Return on Equity (ROE) | -14.4892% | 5,218 |
| Retained earnings to average equity (ytd only) | -14.4892% | 5,177 |
| Net charge-offs to loans | 1.1386% | 127 |
| Credit loss provision to net charge-offs | 140.2878% | 1,721 |
| Earnings coverage of net charge-offs (x) | -1.8489% | 3,399 |
| Efficiency ratio | 142.6910% | 49 |
| Assets per employee ($millions) | 3.0569% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 4,235 |
| Loan loss allowance to noncurrent loans | 204.8387% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 3,680 |
| Noncurrent loans to loans | 0.4144% | 3,063 |
| Net loans and leases to total assets | 53.9219% | 4,187 |
| Net loans and leases to deposits | 60.8116% | 4,349 |
| Net loans and leases to core deposits | 65.7813% | 4,290 |
| Total domestic deposits to total assets | 88.6704% | 758 |
| Equity capital to assets | 11.0643% | 3,045 |
| Core capital (leverage) ratio | 8.4016% | 4,983 |
| Tier 1 risk-based capital ratio | 14.0576% | 3,299 |
| Total risk-based capital ratio | 14.8528% | 3,435 |
| Memoranda: | ||
| Average total assets | $28,053,250 | 5,124 |
| Average earning assets | $21,687,500 | 5,150 |
| Average equity | $3,211,500 | 5,137 |
| Average total loans | $16,277,250 | 5,017 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1671% | 1,050 |
| Cost of funding earning assets | 2.3679% | 11 |
| Net interest margin | 2.7992% | 4,932 |
| Noninterest income to average assets | 0.3967% | 3,288 |
| Noninterest expense to average assets | 3.7544% | 698 |
| Loan and lease loss provision to assets | 1.2822% | 71 |
| Net operating income to assets | -2.0472% | 5,259 |
| Return on assets (ROA) | -2.0472% | 5,259 |
| Pretax return on assets | -2.3872% | 5,261 |
| Return on Equity (ROE) | -17.6903% | 5,276 |
| Retained earnings to average equity (ytd only) | -17.6903% | 5,244 |
| Net charge-offs to loans | 1.6631% | 69 |
| Credit loss provision to net charge-offs | 130.2158% | 1,661 |
| Earnings coverage of net charge-offs (x) | -1.1223% | 3,120 |
| Efficiency ratio | 141.7112% | 45 |
| Assets per employee ($millions) | 3.4649% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6487% | 4,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 3,725 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 62.9893% | 3,449 |
| Net loans and leases to deposits | 71.1578% | 3,757 |
| Net loans and leases to core deposits | 76.8824% | 3,656 |
| Total domestic deposits to total assets | 88.5205% | 869 |
| Equity capital to assets | 11.1981% | 2,860 |
| Core capital (leverage) ratio | 8.4166% | 4,997 |
| Tier 1 risk-based capital ratio | 11.7048% | 4,566 |
| Total risk-based capital ratio | 12.2915% | 4,807 |
| Memoranda: | ||
| Average total assets | $28,233,670 | 5,167 |
| Average earning assets | $22,720,670 | 5,189 |
| Average equity | $3,267,330 | 5,171 |
| Average total loans | $16,715,670 | 5,049 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1734% | 955 |
| Cost of funding earning assets | 2.4001% | 11 |
| Net interest margin | 2.7734% | 5,009 |
| Noninterest income to average assets | 0.2246% | 4,398 |
| Noninterest expense to average assets | 3.8468% | 625 |
| Loan and lease loss provision to assets | 0.1966% | 828 |
| Net operating income to assets | -1.2355% | 5,297 |
| Return on assets (ROA) | -1.2355% | 5,293 |
| Pretax return on assets | -1.6286% | 5,302 |
| Return on Equity (ROE) | -10.5106% | 5,298 |
| Retained earnings to average equity (ytd only) | -10.5106% | 5,127 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.3023% | 36 |
| Assets per employee ($millions) | 3.1034% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5203% | 5,058 |
| Loan loss allowance to noncurrent loans | 37.7193% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.0383% | 1,339 |
| Noncurrent loans to loans | 1.3794% | 1,175 |
| Net loans and leases to total assets | 58.8701% | 3,801 |
| Net loans and leases to deposits | 67.0486% | 3,981 |
| Net loans and leases to core deposits | 73.6067% | 3,819 |
| Total domestic deposits to total assets | 87.8021% | 1,440 |
| Equity capital to assets | 11.8327% | 2,130 |
| Core capital (leverage) ratio | 8.6115% | 4,939 |
| Tier 1 risk-based capital ratio | 12.8986% | 3,926 |
| Total risk-based capital ratio | 13.3527% | 4,294 |
| Memoranda: | ||
| Average total assets | $28,491,000 | 5,218 |
| Average earning assets | $22,499,500 | 5,245 |
| Average equity | $3,349,000 | 5,218 |
| Average total loans | $16,286,500 | 5,123 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 1,540 |
| Cost of funding earning assets | 1.1540% | 408 |
| Net interest margin | 3.6471% | 3,237 |
| Noninterest income to average assets | 0.2050% | 4,692 |
| Noninterest expense to average assets | 4.3637% | 342 |
| Loan and lease loss provision to assets | 0.2013% | 939 |
| Net operating income to assets | -1.3289% | 5,351 |
| Return on assets (ROA) | -1.3289% | 5,348 |
| Pretax return on assets | -1.3289% | 5,350 |
| Return on Equity (ROE) | -10.1949% | 5,352 |
| Retained earnings to average equity (ytd only) | -10.1949% | 5,321 |
| Net charge-offs to loans | 0.1686% | 1,142 |
| Credit loss provision to net charge-offs | 211.5385% | 1,369 |
| Earnings coverage of net charge-offs (x) | -11.8462% | 3,758 |
| Efficiency ratio | 120.7014% | 57 |
| Assets per employee ($millions) | 2.9051% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4488% | 5,178 |
| Loan loss allowance to noncurrent loans | 35.2941% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.0946% | 1,230 |
| Noncurrent loans to loans | 1.2715% | 1,254 |
| Net loans and leases to total assets | 54.9792% | 4,213 |
| Net loans and leases to deposits | 62.6083% | 4,338 |
| Net loans and leases to core deposits | 67.7469% | 4,247 |
| Total domestic deposits to total assets | 87.8145% | 1,385 |
| Equity capital to assets | 11.6795% | 2,112 |
| Core capital (leverage) ratio | 9.7982% | 3,797 |
| Tier 1 risk-based capital ratio | 13.3676% | 3,623 |
| Total risk-based capital ratio | 13.7525% | 4,004 |
| Memoranda: | ||
| Average total assets | $27,316,000 | 5,275 |
| Average earning assets | $22,702,800 | 5,290 |
| Average equity | $3,560,600 | 5,229 |
| Average total loans | $15,420,200 | 5,182 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7614% | 1,516 |
| Cost of funding earning assets | 1.1948% | 267 |
| Net interest margin | 3.5667% | 3,473 |
| Noninterest income to average assets | 0.2182% | 4,659 |
| Noninterest expense to average assets | 4.4440% | 309 |
| Loan and lease loss provision to assets | 0.2034% | 842 |
| Net operating income to assets | -1.4235% | 5,433 |
| Return on assets (ROA) | -1.4235% | 5,429 |
| Pretax return on assets | -1.4235% | 5,426 |
| Return on Equity (ROE) | -10.6221% | 5,421 |
| Retained earnings to average equity (ytd only) | -10.6221% | 5,395 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.5385% | 48 |
| Assets per employee ($millions) | 2.7766% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5185% | 5,167 |
| Loan loss allowance to noncurrent loans | 336.0000% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 2,507 |
| Noncurrent loans to loans | 0.1543% | 4,184 |
| Net loans and leases to total assets | 58.0494% | 4,036 |
| Net loans and leases to deposits | 66.4550% | 4,163 |
| Net loans and leases to core deposits | 72.1842% | 4,071 |
| Total domestic deposits to total assets | 87.3514% | 1,572 |
| Equity capital to assets | 12.4937% | 1,592 |
| Core capital (leverage) ratio | 9.6343% | 4,005 |
| Tier 1 risk-based capital ratio | 13.0332% | 3,886 |
| Total risk-based capital ratio | 13.4634% | 4,260 |
| Memoranda: | ||
| Average total assets | $26,882,250 | 5,350 |
| Average earning assets | $22,653,750 | 5,360 |
| Average equity | $3,602,500 | 5,291 |
| Average total loans | $15,264,250 | 5,252 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6269% | 1,705 |
| Cost of funding earning assets | 1.0829% | 315 |
| Net interest margin | 3.5440% | 3,484 |
| Noninterest income to average assets | 0.2181% | 4,717 |
| Noninterest expense to average assets | 4.4682% | 302 |
| Loan and lease loss provision to assets | 0.2031% | 839 |
| Net operating income to assets | -1.4744% | 5,494 |
| Return on assets (ROA) | -1.4744% | 5,488 |
| Pretax return on assets | -1.4744% | 5,485 |
| Return on Equity (ROE) | -10.7486% | 5,475 |
| Retained earnings to average equity (ytd only) | -10.7486% | 5,425 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.1765% | 57 |
| Assets per employee ($millions) | 2.7456% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4327% | 5,330 |
| Loan loss allowance to noncurrent loans | 269.2308% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 2,494 |
| Noncurrent loans to loans | 0.1607% | 4,186 |
| Net loans and leases to total assets | 58.6684% | 3,928 |
| Net loans and leases to deposits | 67.4992% | 4,053 |
| Net loans and leases to core deposits | 73.4218% | 3,917 |
| Total domestic deposits to total assets | 86.9172% | 1,874 |
| Equity capital to assets | 12.9662% | 1,310 |
| Core capital (leverage) ratio | 10.4271% | 3,104 |
| Tier 1 risk-based capital ratio | 13.3816% | 3,684 |
| Total risk-based capital ratio | 13.7412% | 4,086 |
| Memoranda: | ||
| Average total assets | $26,587,670 | 5,415 |
| Average earning assets | $22,347,670 | 5,426 |
| Average equity | $3,647,000 | 5,345 |
| Average total loans | $14,951,670 | 5,321 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5969% | 1,585 |
| Cost of funding earning assets | 1.0708% | 259 |
| Net interest margin | 3.5261% | 3,437 |
| Noninterest income to average assets | 0.1988% | 4,835 |
| Noninterest expense to average assets | 4.9248% | 229 |
| Loan and lease loss provision to assets | 0.2141% | 747 |
| Net operating income to assets | -2.0189% | 5,571 |
| Return on assets (ROA) | -2.0189% | 5,569 |
| Pretax return on assets | -2.0189% | 5,566 |
| Return on Equity (ROE) | -14.3070% | 5,557 |
| Retained earnings to average equity (ytd only) | -14.3070% | 5,445 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.6471% | 37 |
| Assets per employee ($millions) | 2.6550% | 5,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3754% | 5,447 |
| Loan loss allowance to noncurrent loans | 13.9024% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 1.8267% | 661 |
| Noncurrent loans to loans | 2.7002% | 472 |
| Net loans and leases to total assets | 56.9755% | 4,030 |
| Net loans and leases to deposits | 66.1174% | 4,081 |
| Net loans and leases to core deposits | 72.0128% | 3,959 |
| Total domestic deposits to total assets | 86.1733% | 2,464 |
| Equity capital to assets | 13.6535% | 990 |
| Core capital (leverage) ratio | 10.1508% | 3,358 |
| Tier 1 risk-based capital ratio | 14.3276% | 3,214 |
| Total risk-based capital ratio | 14.6371% | 3,642 |
| Memoranda: | ||
| Average total assets | $26,153,500 | 5,476 |
| Average earning assets | $21,667,000 | 5,490 |
| Average equity | $3,690,500 | 5,397 |
| Average total loans | $14,338,500 | 5,394 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 2,149 |
| Cost of funding earning assets | 0.5996% | 1,594 |
| Net interest margin | 3.7604% | 2,561 |
| Noninterest income to average assets | 0.2082% | 4,897 |
| Noninterest expense to average assets | 3.0705% | 1,955 |
| Loan and lease loss provision to assets | 0.2287% | 856 |
| Net operating income to assets | 0.1102% | 5,249 |
| Return on assets (ROA) | 0.1102% | 5,252 |
| Pretax return on assets | 0.1102% | 5,369 |
| Return on Equity (ROE) | 0.7141% | 5,283 |
| Retained earnings to average equity (ytd only) | -1.2695% | 5,209 |
| Net charge-offs to loans | 0.4267% | 577 |
| Credit loss provision to net charge-offs | 93.3333% | 2,722 |
| Earnings coverage of net charge-offs (x) | 1.3833% | 3,894 |
| Efficiency ratio | 75.0898% | 1,753 |
| Assets per employee ($millions) | 2.5757% | 5,427 |
| Cash dividends to net income (ytd only)* | 277.7778% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3187% | 5,544 |
| Loan loss allowance to noncurrent loans | 71.6667% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 3,974 |
| Noncurrent loans to loans | 0.4447% | 3,187 |
| Net loans and leases to total assets | 52.2188% | 4,507 |
| Net loans and leases to deposits | 61.2059% | 4,494 |
| Net loans and leases to core deposits | 67.5744% | 4,324 |
| Total domestic deposits to total assets | 85.3166% | 2,719 |
| Equity capital to assets | 14.5824% | 760 |
| Core capital (leverage) ratio | 12.7057% | 1,263 |
| Tier 1 risk-based capital ratio | 16.5718% | 2,239 |
| Total risk-based capital ratio | 16.8268% | 2,533 |
| Memoranda: | ||
| Average total assets | $24,491,400 | 5,550 |
| Average earning assets | $20,848,600 | 5,555 |
| Average equity | $3,781,000 | 5,450 |
| Average total loans | $14,060,600 | 5,464 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 2,158 |
| Cost of funding earning assets | 0.5523% | 1,874 |
| Net interest margin | 3.7828% | 2,468 |
| Noninterest income to average assets | 0.2316% | 4,826 |
| Noninterest expense to average assets | 2.8569% | 2,544 |
| Loan and lease loss provision to assets | 0.2316% | 783 |
| Net operating income to assets | 0.3254% | 5,171 |
| Return on assets (ROA) | 0.3254% | 5,194 |
| Pretax return on assets | 0.3916% | 5,201 |
| Return on Equity (ROE) | 2.0770% | 5,297 |
| Retained earnings to average equity (ytd only) | -0.5632% | 5,300 |
| Net charge-offs to loans | 0.2441% | 880 |
| Credit loss provision to net charge-offs | 161.5385% | 1,590 |
| Earnings coverage of net charge-offs (x) | 4.3455% | 3,240 |
| Efficiency ratio | 67.3534% | 2,989 |
| Assets per employee ($millions) | 3.9327% | 4,099 |
| Cash dividends to net income (ytd only)* | 127.1294% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4585% | 5,511 |
| Loan loss allowance to noncurrent loans | 39.1304% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 0.6823% | 2,452 |
| Noncurrent loans to loans | 1.1717% | 1,640 |
| Net loans and leases to total assets | 57.9675% | 4,062 |
| Net loans and leases to deposits | 69.2347% | 4,025 |
| Net loans and leases to core deposits | 79.7644% | 3,471 |
| Total domestic deposits to total assets | 83.7261% | 3,223 |
| Equity capital to assets | 16.0536% | 537 |
| Core capital (leverage) ratio | 13.0103% | 1,203 |
| Tier 1 risk-based capital ratio | 16.6320% | 2,274 |
| Total risk-based capital ratio | 17.0065% | 2,544 |
| Memoranda: | ||
| Average total assets | $24,175,000 | 5,619 |
| Average earning assets | $20,759,750 | 5,620 |
| Average equity | $3,787,250 | 5,511 |
| Average total loans | $14,202,500 | 5,522 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3524% | 1,968 |
| Cost of funding earning assets | 0.4826% | 2,307 |
| Net interest margin | 3.8699% | 2,029 |
| Noninterest income to average assets | 0.2380% | 4,816 |
| Noninterest expense to average assets | 2.6921% | 3,113 |
| Loan and lease loss provision to assets | 0.2298% | 752 |
| Net operating income to assets | 0.5909% | 4,350 |
| Return on assets (ROA) | 0.5909% | 4,399 |
| Pretax return on assets | 0.6730% | 4,617 |
| Return on Equity (ROE) | 3.8025% | 4,876 |
| Retained earnings to average equity (ytd only) | -0.1584% | 5,096 |
| Net charge-offs to loans | 0.3622% | 563 |
| Credit loss provision to net charge-offs | 107.6923% | 1,914 |
| Earnings coverage of net charge-offs (x) | 4.2308% | 2,962 |
| Efficiency ratio | 60.7306% | 4,208 |
| Assets per employee ($millions) | 3.9108% | 4,115 |
| Cash dividends to net income (ytd only)* | 104.1667% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3671% | 5,628 |
| Loan loss allowance to noncurrent loans | 13.1720% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 1.5853% | 937 |
| Noncurrent loans to loans | 2.7867% | 505 |
| Net loans and leases to total assets | 56.6802% | 4,158 |
| Net loans and leases to deposits | 67.7742% | 4,092 |
| Net loans and leases to core deposits | 76.2090% | 3,751 |
| Total domestic deposits to total assets | 83.6309% | 3,348 |
| Equity capital to assets | 16.1986% | 512 |
| Core capital (leverage) ratio | 13.2183% | 1,094 |
| Tier 1 risk-based capital ratio | 17.0897% | 2,139 |
| Total risk-based capital ratio | 17.3908% | 2,391 |
| Memoranda: | ||
| Average total assets | $24,368,000 | 5,661 |
| Average earning assets | $21,137,670 | 5,663 |
| Average equity | $3,787,000 | 5,553 |
| Average total loans | $14,356,330 | 5,560 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 2,472 |
| Cost of funding earning assets | 0.4774% | 2,273 |
| Net interest margin | 3.6723% | 2,593 |
| Noninterest income to average assets | 0.2417% | 4,803 |
| Noninterest expense to average assets | 2.7398% | 2,992 |
| Loan and lease loss provision to assets | 0.2256% | 693 |
| Net operating income to assets | 0.4190% | 4,896 |
| Return on assets (ROA) | 0.4190% | 4,919 |
| Pretax return on assets | 0.4996% | 4,972 |
| Return on Equity (ROE) | 2.7513% | 5,163 |
| Retained earnings to average equity (ytd only) | -5.1852% | 5,398 |
| Net charge-offs to loans | 0.6999% | 249 |
| Credit loss provision to net charge-offs | 53.8462% | 1,953 |
| Earnings coverage of net charge-offs (x) | 1.7308% | 2,693 |
| Efficiency ratio | 64.6512% | 3,719 |
| Assets per employee ($millions) | 4.9228% | 2,547 |
| Cash dividends to net income (ytd only)* | 288.4615% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2377% | 5,765 |
| Loan loss allowance to noncurrent loans | 28.4553% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 3,216 |
| Noncurrent loans to loans | 0.8353% | 2,369 |
| Net loans and leases to total assets | 59.6855% | 3,819 |
| Net loans and leases to deposits | 70.5552% | 3,739 |
| Net loans and leases to core deposits | 81.6031% | 3,130 |
| Total domestic deposits to total assets | 84.5941% | 3,266 |
| Equity capital to assets | 15.2596% | 604 |
| Core capital (leverage) ratio | 11.4321% | 1,997 |
| Tier 1 risk-based capital ratio | 16.0853% | 2,511 |
| Total risk-based capital ratio | 16.2933% | 2,877 |
| Memoranda: | ||
| Average total assets | $24,819,500 | 5,728 |
| Average earning assets | $21,785,000 | 5,720 |
| Average equity | $3,780,000 | 5,610 |
| Average total loans | $14,860,000 | 5,610 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3252% | 5,125 |
| Cost of funding earning assets | 0.2602% | 4,463 |
| Net interest margin | 3.0649% | 4,811 |
| Noninterest income to average assets | 0.2126% | 5,145 |
| Noninterest expense to average assets | 2.1219% | 4,963 |
| Loan and lease loss provision to assets | 0.1999% | 1,159 |
| Net operating income to assets | 0.5018% | 4,627 |
| Return on assets (ROA) | 0.5018% | 4,698 |
| Pretax return on assets | 0.5953% | 4,798 |
| Return on Equity (ROE) | 2.9403% | 5,175 |
| Retained earnings to average equity (ytd only) | 2.9403% | 3,804 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5802% | 4,897 |
| Assets per employee ($millions) | 5.0050% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3135% | 5,791 |
| Loan loss allowance to noncurrent loans | 28.1437% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 2,711 |
| Noncurrent loans to loans | 1.1138% | 1,859 |
| Net loans and leases to total assets | 59.7283% | 3,885 |
| Net loans and leases to deposits | 70.5114% | 3,854 |
| Net loans and leases to core deposits | 82.4981% | 3,173 |
| Total domestic deposits to total assets | 84.7073% | 3,171 |
| Equity capital to assets | 15.2008% | 611 |
| Core capital (leverage) ratio | 12.8726% | 1,182 |
| Tier 1 risk-based capital ratio | 16.3575% | 2,401 |
| Total risk-based capital ratio | 16.6397% | 2,729 |
| Memoranda: | ||
| Average total assets | $23,516,800 | 5,792 |
| Average earning assets | $20,750,800 | 5,794 |
| Average equity | $4,013,200 | 5,640 |
| Average total loans | $14,208,200 | 5,680 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0670% | 5,506 |
| Cost of funding earning assets | 0.2284% | 4,802 |
| Net interest margin | 2.8386% | 5,287 |
| Noninterest income to average assets | 0.2132% | 5,189 |
| Noninterest expense to average assets | 1.9763% | 5,252 |
| Loan and lease loss provision to assets | 0.1901% | 1,145 |
| Net operating income to assets | 0.4494% | 4,876 |
| Return on assets (ROA) | 0.4494% | 4,962 |
| Pretax return on assets | 0.5532% | 4,995 |
| Return on Equity (ROE) | 2.5581% | 5,342 |
| Retained earnings to average equity (ytd only) | 2.5581% | 4,381 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2034% | 4,932 |
| Assets per employee ($millions) | 4.3586% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2308% | 5,883 |
| Loan loss allowance to noncurrent loans | 19.5266% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 2,610 |
| Noncurrent loans to loans | 1.1817% | 1,901 |
| Net loans and leases to total assets | 65.4706% | 3,208 |
| Net loans and leases to deposits | 79.3240% | 3,045 |
| Net loans and leases to core deposits | 86.7514% | 2,880 |
| Total domestic deposits to total assets | 82.5357% | 3,766 |
| Equity capital to assets | 17.2716% | 406 |
| Core capital (leverage) ratio | 13.0943% | 1,153 |
| Tier 1 risk-based capital ratio | 17.3654% | 2,114 |
| Total risk-based capital ratio | 17.5813% | 2,437 |
| Memoranda: | ||
| Average total assets | $23,139,750 | 5,858 |
| Average earning assets | $20,432,000 | 5,856 |
| Average equity | $4,065,500 | 5,692 |
| Average total loans | $14,011,750 | 5,746 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6143% | 5,869 |
| Cost of funding earning assets | 0.1915% | 5,227 |
| Net interest margin | 2.4228% | 5,795 |
| Noninterest income to average assets | 0.1865% | 5,380 |
| Noninterest expense to average assets | 1.5855% | 5,769 |
| Loan and lease loss provision to assets | 0.1611% | 1,409 |
| Net operating income to assets | 0.4833% | 4,748 |
| Return on assets (ROA) | 0.4833% | 4,847 |
| Pretax return on assets | 0.5850% | 4,924 |
| Return on Equity (ROE) | 2.7364% | 5,323 |
| Retained earnings to average equity (ytd only) | 2.7364% | 4,167 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7273% | 5,403 |
| Assets per employee ($millions) | 4.4624% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1398% | 5,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 60.8193% | 3,775 |
| Net loans and leases to deposits | 73.1931% | 3,684 |
| Net loans and leases to core deposits | 81.0053% | 3,367 |
| Total domestic deposits to total assets | 83.0943% | 3,610 |
| Equity capital to assets | 16.7757% | 456 |
| Core capital (leverage) ratio | 13.0211% | 1,143 |
| Tier 1 risk-based capital ratio | 18.1066% | 1,905 |
| Total risk-based capital ratio | 18.2387% | 2,185 |
| Memoranda: | ||
| Average total assets | $23,588,670 | 5,928 |
| Average earning assets | $20,885,330 | 5,925 |
| Average equity | $4,166,000 | 5,743 |
| Average total loans | $13,915,330 | 5,816 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4870% | 6,083 |
| Cost of funding earning assets | 0.1673% | 5,491 |
| Net interest margin | 1.3197% | 6,079 |
| Noninterest income to average assets | 0.0991% | 5,823 |
| Noninterest expense to average assets | 0.7595% | 6,095 |
| Loan and lease loss provision to assets | 0.0826% | 2,304 |
| Net operating income to assets | 0.3797% | 5,053 |
| Return on assets (ROA) | 0.3797% | 5,124 |
| Pretax return on assets | 0.4293% | 5,246 |
| Return on Equity (ROE) | 2.1017% | 5,479 |
| Retained earnings to average equity (ytd only) | 2.1017% | 4,413 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3506% | 5,659 |
| Assets per employee ($millions) | 4.6276% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0367% | 6,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 58.7994% | 3,951 |
| Net loans and leases to deposits | 70.0819% | 3,849 |
| Net loans and leases to core deposits | 78.3157% | 3,467 |
| Total domestic deposits to total assets | 83.9009% | 3,557 |
| Equity capital to assets | 16.0256% | 534 |
| Core capital (leverage) ratio | 11.1609% | 2,255 |
| Tier 1 risk-based capital ratio | 17.4325% | 2,144 |
| Total risk-based capital ratio | 17.4667% | 2,538 |
| Memoranda: | ||
| Average total assets | $24,227,000 | 5,979 |
| Average earning assets | $21,520,000 | 5,975 |
| Average equity | $4,377,500 | 5,744 |
| Average total loans | $14,078,500 | 5,869 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3459% | 5,262 |
| Cost of funding earning assets | 0.1796% | 5,460 |
| Net interest margin | 3.1663% | 4,730 |
| Noninterest income to average assets | 0.2610% | 5,028 |
| Noninterest expense to average assets | 1.5579% | 5,947 |
| Loan and lease loss provision to assets | 0.0497% | 3,325 |
| Net operating income to assets | 1.6491% | 632 |
| Return on assets (ROA) | 1.6491% | 653 |
| Pretax return on assets | 1.6491% | 1,116 |
| Return on Equity (ROE) | 7.8113% | 3,064 |
| Retained earnings to average equity (ytd only) | 0.0589% | 5,481 |
| Net charge-offs to loans | 0.0422% | 3,375 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 68.3333% | 785 |
| Efficiency ratio | 47.8372% | 5,849 |
| Assets per employee ($millions) | 5.0632% | 2,286 |
| Cash dividends to net income (ytd only)* | 99.2462% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 4,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 56.9245% | 4,209 |
| Net loans and leases to deposits | 71.1479% | 3,803 |
| Net loans and leases to core deposits | 79.1205% | 3,434 |
| Total domestic deposits to total assets | 80.0087% | 4,738 |
| Equity capital to assets | 19.9360% | 213 |
| Core capital (leverage) ratio | 20.5597% | 177 |
| Tier 1 risk-based capital ratio | 36.1766% | 303 |
| Total risk-based capital ratio | 37.1515% | 307 |
| Memoranda: | ||
| Average total assets | $24,134,400 | 6,042 |
| Average earning assets | $22,834,200 | 6,010 |
| Average equity | $5,095,200 | 5,635 |
| Average total loans | $14,204,600 | 5,917 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3133% | 5,381 |
| Cost of funding earning assets | 0.1645% | 5,671 |
| Net interest margin | 3.1489% | 4,820 |
| Noninterest income to average assets | 0.2573% | 5,099 |
| Noninterest expense to average assets | 1.6108% | 5,974 |
| Loan and lease loss provision to assets | 0.0503% | 3,202 |
| Net operating income to assets | 1.5940% | 780 |
| Return on assets (ROA) | 1.5940% | 814 |
| Pretax return on assets | 1.5940% | 1,399 |
| Return on Equity (ROE) | 7.4402% | 3,376 |
| Retained earnings to average equity (ytd only) | 3.6548% | 3,864 |
| Net charge-offs to loans | 0.0567% | 2,791 |
| Credit loss provision to net charge-offs | 150.0000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 48.9988% | 1,072 |
| Efficiency ratio | 49.4845% | 5,805 |
| Assets per employee ($millions) | 4.8840% | 2,443 |
| Cash dividends to net income (ytd only)* | 50.8777% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 5,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 59.4103% | 3,949 |
| Net loans and leases to deposits | 75.6137% | 3,349 |
| Net loans and leases to core deposits | 84.6145% | 2,973 |
| Total domestic deposits to total assets | 78.5708% | 5,074 |
| Equity capital to assets | 21.2285% | 186 |
| Core capital (leverage) ratio | 21.0253% | 170 |
| Tier 1 risk-based capital ratio | 37.6116% | 290 |
| Total risk-based capital ratio | 38.5765% | 294 |
| Memoranda: | ||
| Average total assets | $23,839,000 | 6,128 |
| Average earning assets | $22,695,500 | 6,098 |
| Average equity | $5,107,250 | 5,701 |
| Average total loans | $14,119,000 | 5,997 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2719% | 5,490 |
| Cost of funding earning assets | 0.1516% | 5,834 |
| Net interest margin | 3.1204% | 4,915 |
| Noninterest income to average assets | 0.2707% | 5,019 |
| Noninterest expense to average assets | 1.6747% | 5,991 |
| Loan and lease loss provision to assets | 0.0507% | 3,105 |
| Net operating income to assets | 1.5056% | 887 |
| Return on assets (ROA) | 1.5056% | 931 |
| Pretax return on assets | 1.5056% | 1,637 |
| Return on Equity (ROE) | 7.0056% | 3,599 |
| Retained earnings to average equity (ytd only) | 1.2988% | 5,030 |
| Net charge-offs to loans | 0.0861% | 2,177 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,348 |
| Efficiency ratio | 51.8325% | 5,730 |
| Assets per employee ($millions) | 4.8774% | 2,426 |
| Cash dividends to net income (ytd only)* | 81.4607% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 5,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 59.3718% | 3,923 |
| Net loans and leases to deposits | 75.1882% | 3,364 |
| Net loans and leases to core deposits | 84.0971% | 2,972 |
| Total domestic deposits to total assets | 78.9642% | 5,102 |
| Equity capital to assets | 20.8185% | 191 |
| Core capital (leverage) ratio | 20.8930% | 172 |
| Tier 1 risk-based capital ratio | 37.1071% | 311 |
| Total risk-based capital ratio | 38.0573% | 315 |
| Memoranda: | ||
| Average total assets | $23,645,330 | 6,208 |
| Average earning assets | $22,433,330 | 6,176 |
| Average equity | $5,081,670 | 5,764 |
| Average total loans | $13,945,000 | 6,062 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1926% | 5,663 |
| Cost of funding earning assets | 0.1451% | 5,962 |
| Net interest margin | 3.0475% | 5,083 |
| Noninterest income to average assets | 0.2578% | 5,112 |
| Noninterest expense to average assets | 1.7186% | 5,993 |
| Loan and lease loss provision to assets | 0.0516% | 2,906 |
| Net operating income to assets | 1.3749% | 1,076 |
| Return on assets (ROA) | 1.3749% | 1,139 |
| Pretax return on assets | 1.3749% | 1,982 |
| Return on Equity (ROE) | 6.2943% | 3,878 |
| Retained earnings to average equity (ytd only) | 6.2943% | 2,336 |
| Net charge-offs to loans | 0.1763% | 1,224 |
| Credit loss provision to net charge-offs | 50.0000% | 2,096 |
| Earnings coverage of net charge-offs (x) | 13.8333% | 1,697 |
| Efficiency ratio | 54.6448% | 5,626 |
| Assets per employee ($millions) | 4.6998% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 5,376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 58.2280% | 3,912 |
| Net loans and leases to deposits | 74.6766% | 3,204 |
| Net loans and leases to core deposits | 80.3323% | 3,122 |
| Total domestic deposits to total assets | 77.9735% | 5,457 |
| Equity capital to assets | 21.8052% | 154 |
| Core capital (leverage) ratio | 20.9699% | 170 |
| Tier 1 risk-based capital ratio | 40.2925% | 258 |
| Total risk-based capital ratio | 41.2912% | 258 |
| Memoranda: | ||
| Average total assets | $23,274,500 | 6,277 |
| Average earning assets | $22,051,000 | 6,247 |
| Average equity | $5,084,000 | 5,816 |
| Average total loans | $13,613,000 | 6,132 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1503% | 5,899 |
| Cost of funding earning assets | 0.1426% | 6,141 |
| Net interest margin | 3.0078% | 5,435 |
| Noninterest income to average assets | 0.2554% | 5,307 |
| Noninterest expense to average assets | 1.7013% | 6,152 |
| Loan and lease loss provision to assets | 0.0216% | 4,183 |
| Net operating income to assets | 1.3636% | 1,153 |
| Return on assets (ROA) | 1.3636% | 1,199 |
| Pretax return on assets | 1.3636% | 2,023 |
| Return on Equity (ROE) | 6.1721% | 4,070 |
| Retained earnings to average equity (ytd only) | 0.0980% | 5,725 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1192% | 5,754 |
| Assets per employee ($millions) | 4.6100% | 2,859 |
| Cash dividends to net income (ytd only)* | 98.4127% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 5,202 |
| Loan loss allowance to noncurrent loans | 1,625.0000% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 5,903 |
| Noncurrent loans to loans | 0.0596% | 5,642 |
| Net loans and leases to total assets | 57.6399% | 4,099 |
| Net loans and leases to deposits | 73.9879% | 3,439 |
| Net loans and leases to core deposits | 82.1696% | 3,088 |
| Total domestic deposits to total assets | 77.9046% | 5,455 |
| Equity capital to assets | 21.8829% | 156 |
| Core capital (leverage) ratio | 22.5854% | 129 |
| Tier 1 risk-based capital ratio | 40.4167% | 231 |
| Total risk-based capital ratio | 41.4583% | 232 |
| Memoranda: | ||
| Average total assets | $23,099,800 | 6,372 |
| Average earning assets | $21,743,800 | 6,336 |
| Average equity | $5,103,600 | 5,830 |
| Average total loans | $12,641,600 | 6,242 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0732% | 6,061 |
| Cost of funding earning assets | 0.1469% | 6,200 |
| Net interest margin | 2.9263% | 5,646 |
| Noninterest income to average assets | 0.2596% | 5,356 |
| Noninterest expense to average assets | 1.6845% | 6,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3326% | 1,284 |
| Return on assets (ROA) | 1.3326% | 1,343 |
| Pretax return on assets | 1.3326% | 2,265 |
| Return on Equity (ROE) | 6.0172% | 4,224 |
| Retained earnings to average equity (ytd only) | 2.8915% | 4,542 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8317% | 5,674 |
| Assets per employee ($millions) | 4.5176% | 2,940 |
| Cash dividends to net income (ytd only)* | 51.9497% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 5,593 |
| 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 | 60.6694% | 3,678 |
| Net loans and leases to deposits | 79.3515% | 2,787 |
| Net loans and leases to core deposits | 88.5157% | 2,372 |
| Total domestic deposits to total assets | 76.4565% | 5,757 |
| Equity capital to assets | 22.7997% | 136 |
| Core capital (leverage) ratio | 22.4734% | 131 |
| Tier 1 risk-based capital ratio | 40.5288% | 233 |
| Total risk-based capital ratio | 41.5126% | 234 |
| Memoranda: | ||
| Average total assets | $23,112,250 | 6,445 |
| Average earning assets | $21,779,000 | 6,412 |
| Average equity | $5,118,500 | 5,891 |
| Average total loans | $12,448,000 | 6,314 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0185% | 6,155 |
| Cost of funding earning assets | 0.1468% | 6,279 |
| Net interest margin | 2.8717% | 5,783 |
| Noninterest income to average assets | 0.2405% | 5,470 |
| Noninterest expense to average assets | 1.6833% | 6,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2453% | 1,458 |
| Return on assets (ROA) | 1.2453% | 1,520 |
| Pretax return on assets | 1.2453% | 2,482 |
| Return on Equity (ROE) | 5.6774% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.6774% | 2,525 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4780% | 5,617 |
| Assets per employee ($millions) | 4.5122% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 5,145 |
| 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 | 52.5198% | 4,691 |
| Net loans and leases to deposits | 68.4320% | 4,004 |
| Net loans and leases to core deposits | 72.8273% | 3,965 |
| Total domestic deposits to total assets | 76.7475% | 5,822 |
| Equity capital to assets | 22.9777% | 123 |
| Core capital (leverage) ratio | 23.0913% | 114 |
| Tier 1 risk-based capital ratio | 46.4433% | 156 |
| Total risk-based capital ratio | 47.5632% | 158 |
| Memoranda: | ||
| Average total assets | $23,287,000 | 6,508 |
| Average earning assets | $21,798,670 | 6,474 |
| Average equity | $5,108,000 | 5,934 |
| Average total loans | $11,987,670 | 6,381 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8985% | 6,326 |
| Cost of funding earning assets | 0.1641% | 6,274 |
| Net interest margin | 2.7344% | 6,053 |
| Noninterest income to average assets | 0.2199% | 5,597 |
| Noninterest expense to average assets | 1.6913% | 6,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0655% | 1,947 |
| Return on assets (ROA) | 1.0655% | 2,018 |
| Pretax return on assets | 1.0655% | 3,060 |
| Return on Equity (ROE) | 4.9704% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.9704% | 3,126 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3497% | 5,224 |
| Assets per employee ($millions) | 4.6128% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 5,403 |
| 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 | 52.0421% | 4,670 |
| Net loans and leases to deposits | 67.0371% | 3,970 |
| Net loans and leases to core deposits | 71.1922% | 3,956 |
| Total domestic deposits to total assets | 77.6318% | 5,884 |
| Equity capital to assets | 22.1167% | 144 |
| Core capital (leverage) ratio | 20.7467% | 177 |
| Tier 1 risk-based capital ratio | 44.6282% | 181 |
| Total risk-based capital ratio | 45.7218% | 181 |
| Memoranda: | ||
| Average total assets | $23,650,000 | 6,573 |
| Average earning assets | $21,942,500 | 6,544 |
| Average equity | $5,070,000 | 5,980 |
| Average total loans | $11,994,500 | 6,444 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0358% | 6,305 |
| Cost of funding earning assets | 0.1593% | 6,502 |
| Net interest margin | 2.8766% | 5,833 |
| Noninterest income to average assets | 0.2517% | 5,545 |
| Noninterest expense to average assets | 1.4345% | 6,612 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3883% | 1,046 |
| Return on assets (ROA) | 1.3883% | 1,084 |
| Pretax return on assets | 1.3925% | 1,810 |
| Return on Equity (ROE) | 6.2415% | 3,946 |
| Retained earnings to average equity (ytd only) | -18.6114% | 6,660 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7418% | 6,367 |
| Assets per employee ($millions) | 4.8472% | 2,379 |
| Cash dividends to net income (ytd only)* | 398.1873% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 5,328 |
| 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 | 48.4238% | 5,249 |
| Net loans and leases to deposits | 61.3358% | 4,790 |
| Net loans and leases to core deposits | 64.8792% | 4,788 |
| Total domestic deposits to total assets | 78.9487% | 5,662 |
| Equity capital to assets | 20.7914% | 173 |
| Core capital (leverage) ratio | 22.1222% | 132 |
| Tier 1 risk-based capital ratio | 43.9895% | 180 |
| Total risk-based capital ratio | 45.0808% | 182 |
| Memoranda: | ||
| Average total assets | $23,841,600 | 6,644 |
| Average earning assets | $21,345,000 | 6,630 |
| Average equity | $5,303,200 | 5,986 |
| Average total loans | $11,089,200 | 6,550 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0159% | 6,409 |
| Cost of funding earning assets | 0.1574% | 6,611 |
| Net interest margin | 2.8586% | 5,899 |
| Noninterest income to average assets | 0.2471% | 5,665 |
| Noninterest expense to average assets | 1.3814% | 6,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4095% | 1,084 |
| Return on assets (ROA) | 1.4095% | 1,132 |
| Pretax return on assets | 1.4151% | 1,886 |
| Return on Equity (ROE) | 6.2329% | 4,056 |
| Retained earnings to average equity (ytd only) | -20.4617% | 6,762 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3976% | 6,431 |
| Assets per employee ($millions) | 4.5280% | 2,838 |
| Cash dividends to net income (ytd only)* | 428.2854% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 5,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 49.1387% | 5,232 |
| Net loans and leases to deposits | 66.7968% | 4,202 |
| Net loans and leases to core deposits | 71.2684% | 4,182 |
| Total domestic deposits to total assets | 73.5645% | 6,397 |
| Equity capital to assets | 22.9770% | 122 |
| Core capital (leverage) ratio | 21.4944% | 147 |
| Tier 1 risk-based capital ratio | 48.7807% | 145 |
| Total risk-based capital ratio | 49.9531% | 142 |
| Memoranda: | ||
| Average total assets | $23,743,000 | 6,721 |
| Average earning assets | $21,175,750 | 6,707 |
| Average equity | $5,369,250 | 6,044 |
| Average total loans | $10,896,250 | 6,626 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0357% | 6,413 |
| Cost of funding earning assets | 0.1608% | 6,668 |
| Net interest margin | 2.8750% | 5,840 |
| Noninterest income to average assets | 0.2323% | 5,785 |
| Noninterest expense to average assets | 1.3687% | 6,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3853% | 1,113 |
| Return on assets (ROA) | 1.3853% | 1,196 |
| Pretax return on assets | 1.3853% | 1,986 |
| Return on Equity (ROE) | 6.1567% | 4,070 |
| Retained earnings to average equity (ytd only) | -33.4747% | 6,861 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6988% | 6,453 |
| Assets per employee ($millions) | 4.8086% | 2,360 |
| Cash dividends to net income (ytd only)* | 643.7126% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 5,261 |
| 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 | 44.8821% | 5,651 |
| Net loans and leases to deposits | 57.2740% | 5,218 |
| Net loans and leases to core deposits | 58.2007% | 5,404 |
| Total domestic deposits to total assets | 78.3638% | 5,904 |
| Equity capital to assets | 21.2993% | 154 |
| Core capital (leverage) ratio | 21.6822% | 131 |
| Tier 1 risk-based capital ratio | 48.3511% | 139 |
| Total risk-based capital ratio | 49.5323% | 137 |
| Memoranda: | ||
| Average total assets | $24,110,670 | 6,765 |
| Average earning assets | $21,148,000 | 6,756 |
| Average equity | $5,425,000 | 6,070 |
| Average total loans | $10,778,330 | 6,677 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1032% | 6,396 |
| Cost of funding earning assets | 0.1724% | 6,710 |
| Net interest margin | 2.9308% | 5,753 |
| Noninterest income to average assets | 0.1822% | 6,177 |
| Noninterest expense to average assets | 1.3419% | 6,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3751% | 1,088 |
| Return on assets (ROA) | 1.3751% | 1,177 |
| Pretax return on assets | 1.3751% | 1,943 |
| Return on Equity (ROE) | 5.9530% | 4,075 |
| Retained earnings to average equity (ytd only) | -65.7701% | 6,980 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3902% | 6,537 |
| Assets per employee ($millions) | 4.7962% | 2,491 |
| Cash dividends to net income (ytd only)* | 1,204.8193% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 5,441 |
| 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 | 45.1774% | 5,528 |
| Net loans and leases to deposits | 57.6583% | 5,080 |
| Net loans and leases to core deposits | 58.5938% | 5,282 |
| Total domestic deposits to total assets | 78.3537% | 6,064 |
| Equity capital to assets | 21.3377% | 167 |
| Core capital (leverage) ratio | 20.3879% | 175 |
| Tier 1 risk-based capital ratio | 48.4587% | 142 |
| Total risk-based capital ratio | 49.6443% | 142 |
| Memoranda: | ||
| Average total assets | $24,144,500 | 6,833 |
| Average earning assets | $20,881,500 | 6,831 |
| Average equity | $5,577,000 | 6,079 |
| Average total loans | $10,709,500 | 6,743 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4723% | 6,386 |
| Cost of funding earning assets | 0.1881% | 6,859 |
| Net interest margin | 3.2842% | 5,307 |
| Noninterest income to average assets | 0.3044% | 5,267 |
| Noninterest expense to average assets | 1.5518% | 6,834 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5175% | 883 |
| Return on assets (ROA) | 1.5175% | 975 |
| Pretax return on assets | 1.5218% | 1,618 |
| Return on Equity (ROE) | 5.8031% | 4,257 |
| Retained earnings to average equity (ytd only) | 0.4754% | 5,612 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4881% | 6,557 |
| Assets per employee ($millions) | 4.8616% | 2,402 |
| Cash dividends to net income (ytd only)* | 91.8079% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 5,134 |
| 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 | 42.5169% | 5,948 |
| Net loans and leases to deposits | 56.7857% | 5,363 |
| Net loans and leases to core deposits | 57.7374% | 5,574 |
| Total domestic deposits to total assets | 74.8725% | 6,458 |
| Equity capital to assets | 24.8354% | 100 |
| Core capital (leverage) ratio | 25.9810% | 85 |
| Tier 1 risk-based capital ratio | 56.0413% | 113 |
| Total risk-based capital ratio | 57.2040% | 112 |
| Memoranda: | ||
| Average total assets | $23,328,400 | 6,902 |
| Average earning assets | $19,670,200 | 6,913 |
| Average equity | $6,100,200 | 5,995 |
| Average total loans | $10,256,200 | 6,838 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4713% | 6,542 |
| Cost of funding earning assets | 0.1963% | 6,958 |
| Net interest margin | 3.2751% | 5,475 |
| Noninterest income to average assets | 0.3177% | 5,244 |
| Noninterest expense to average assets | 1.5018% | 6,938 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6057% | 830 |
| Return on assets (ROA) | 1.6057% | 929 |
| Pretax return on assets | 1.6115% | 1,539 |
| Return on Equity (ROE) | 6.0605% | 4,304 |
| Retained earnings to average equity (ytd only) | 3.8805% | 4,156 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2375% | 6,705 |
| Assets per employee ($millions) | 4.6480% | 2,680 |
| Cash dividends to net income (ytd only)* | 35.9710% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 5,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 45.3055% | 5,840 |
| Net loans and leases to deposits | 62.0521% | 4,965 |
| Net loans and leases to core deposits | 63.1689% | 5,248 |
| Total domestic deposits to total assets | 73.0120% | 6,676 |
| Equity capital to assets | 26.6308% | 88 |
| Core capital (leverage) ratio | 25.4325% | 95 |
| Tier 1 risk-based capital ratio | 58.5253% | 100 |
| Total risk-based capital ratio | 59.7100% | 99 |
| Memoranda: | ||
| Average total assets | $23,083,500 | 7,000 |
| Average earning assets | $19,704,000 | 7,003 |
| Average equity | $6,116,000 | 6,064 |
| Average total loans | $10,205,250 | 6,932 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 6,565 |
| Cost of funding earning assets | 0.2050% | 7,022 |
| Net interest margin | 3.3312% | 5,345 |
| Noninterest income to average assets | 0.3126% | 5,314 |
| Noninterest expense to average assets | 1.5023% | 7,004 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6239% | 802 |
| Return on assets (ROA) | 1.6239% | 890 |
| Pretax return on assets | 1.6326% | 1,445 |
| Return on Equity (ROE) | 6.1395% | 4,255 |
| Retained earnings to average equity (ytd only) | 4.4979% | 3,615 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9224% | 6,779 |
| Assets per employee ($millions) | 4.5496% | 2,815 |
| Cash dividends to net income (ytd only)* | 26.7380% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 5,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 43.8676% | 6,024 |
| Net loans and leases to deposits | 60.4019% | 5,206 |
| Net loans and leases to core deposits | 61.5190% | 5,432 |
| Total domestic deposits to total assets | 72.6262% | 6,770 |
| Equity capital to assets | 27.0266% | 78 |
| Core capital (leverage) ratio | 27.0773% | 76 |
| Tier 1 risk-based capital ratio | 61.3914% | 90 |
| Total risk-based capital ratio | 62.6426% | 90 |
| Memoranda: | ||
| Average total assets | $23,031,330 | 7,058 |
| Average earning assets | $19,512,670 | 7,064 |
| Average equity | $6,091,670 | 6,091 |
| Average total loans | $10,055,670 | 6,994 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5845% | 6,593 |
| Cost of funding earning assets | 0.2279% | 7,060 |
| Net interest margin | 3.3566% | 5,279 |
| Noninterest income to average assets | 0.3280% | 5,242 |
| Noninterest expense to average assets | 1.4327% | 7,094 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6916% | 734 |
| Return on assets (ROA) | 1.6916% | 815 |
| Pretax return on assets | 1.6916% | 1,323 |
| Return on Equity (ROE) | 6.4649% | 4,062 |
| Retained earnings to average equity (ytd only) | 6.4649% | 2,712 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8564% | 6,906 |
| Assets per employee ($millions) | 4.6432% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 5,346 |
| Loan loss allowance to noncurrent loans | 138.8889% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 5,902 |
| Noncurrent loans to loans | 0.8885% | 4,889 |
| Net loans and leases to total assets | 43.0953% | 6,093 |
| Net loans and leases to deposits | 58.7389% | 5,299 |
| Net loans and leases to core deposits | 59.7920% | 5,549 |
| Total domestic deposits to total assets | 73.3675% | 6,796 |
| Equity capital to assets | 26.3224% | 79 |
| Core capital (leverage) ratio | 25.3336% | 93 |
| Tier 1 risk-based capital ratio | 60.4063% | 94 |
| Total risk-based capital ratio | 61.6452% | 92 |
| Memoranda: | ||
| Average total assets | $23,173,000 | 7,118 |
| Average earning assets | $19,305,500 | 7,128 |
| Average equity | $6,063,500 | 6,130 |
| Average total loans | $10,031,500 | 7,061 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 6,587 |
| Cost of funding earning assets | 0.2764% | 7,141 |
| Net interest margin | 3.6414% | 4,556 |
| Noninterest income to average assets | 0.3943% | 4,662 |
| Noninterest expense to average assets | 2.1359% | 6,417 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1611% | 1,635 |
| Return on assets (ROA) | 1.1611% | 1,740 |
| Pretax return on assets | 1.1698% | 2,580 |
| Return on Equity (ROE) | 4.3975% | 4,680 |
| Retained earnings to average equity (ytd only) | -0.9353% | 5,994 |
| Net charge-offs to loans | 0.5863% | 2,694 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 4.5763% | 3,061 |
| Efficiency ratio | 64.6134% | 5,019 |
| Assets per employee ($millions) | 3.8550% | 4,194 |
| Cash dividends to net income (ytd only)* | 121.2687% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 5,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 42.4038% | 6,345 |
| Net loans and leases to deposits | 57.5519% | 5,748 |
| Net loans and leases to core deposits | 58.5832% | 5,967 |
| Total domestic deposits to total assets | 73.6792% | 6,754 |
| Equity capital to assets | 26.0095% | 91 |
| Core capital (leverage) ratio | 26.8478% | 84 |
| Tier 1 risk-based capital ratio | 58.8518% | 98 |
| Total risk-based capital ratio | 60.0785% | 95 |
| Memoranda: | ||
| Average total assets | $23,081,600 | 7,145 |
| Average earning assets | $18,454,600 | 7,178 |
| Average equity | $6,094,400 | 6,130 |
| Average total loans | $10,063,800 | 7,115 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9571% | 6,654 |
| Cost of funding earning assets | 0.2821% | 7,236 |
| Net interest margin | 3.6750% | 4,448 |
| Noninterest income to average assets | 0.4277% | 4,454 |
| Noninterest expense to average assets | 2.1037% | 6,500 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2484% | 1,523 |
| Return on assets (ROA) | 1.2484% | 1,623 |
| Pretax return on assets | 1.2599% | 2,430 |
| Return on Equity (ROE) | 4.7103% | 4,656 |
| Retained earnings to average equity (ytd only) | -0.7414% | 6,106 |
| Net charge-offs to loans | 0.7791% | 1,999 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 3.6951% | 3,331 |
| Efficiency ratio | 62.5430% | 5,324 |
| Assets per employee ($millions) | 3.8265% | 4,245 |
| Cash dividends to net income (ytd only)* | 115.7436% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 5,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 44.2354% | 6,317 |
| Net loans and leases to deposits | 60.3339% | 5,594 |
| Net loans and leases to core deposits | 61.4287% | 5,863 |
| Total domestic deposits to total assets | 73.3177% | 6,827 |
| Equity capital to assets | 26.3252% | 103 |
| Core capital (leverage) ratio | 25.4805% | 110 |
| Tier 1 risk-based capital ratio | 56.4952% | 124 |
| Total risk-based capital ratio | 57.6685% | 123 |
| Memoranda: | ||
| Average total assets | $23,069,500 | 7,217 |
| Average earning assets | $18,430,500 | 7,250 |
| Average equity | $6,114,000 | 6,172 |
| Average total loans | $10,096,500 | 7,185 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 6,583 |
| Cost of funding earning assets | 0.2929% | 7,318 |
| Net interest margin | 3.7531% | 4,017 |
| Noninterest income to average assets | 0.4847% | 3,981 |
| Noninterest expense to average assets | 2.1206% | 6,551 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3503% | 1,192 |
| Return on assets (ROA) | 1.3503% | 1,265 |
| Pretax return on assets | 1.3589% | 1,928 |
| Return on Equity (ROE) | 5.0836% | 4,411 |
| Retained earnings to average equity (ytd only) | 3.4543% | 4,054 |
| Net charge-offs to loans | -0.0199% | 6,823 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9453% | 5,736 |
| Assets per employee ($millions) | 3.8333% | 4,119 |
| Cash dividends to net income (ytd only)* | 32.0513% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8749% | 2,752 |
| Loan loss allowance to noncurrent loans | 86.0465% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.9348% | 4,993 |
| Noncurrent loans to loans | 2.1790% | 3,244 |
| Net loans and leases to total assets | 42.0957% | 6,585 |
| Net loans and leases to deposits | 57.8479% | 5,952 |
| Net loans and leases to core deposits | 61.9172% | 5,905 |
| Total domestic deposits to total assets | 72.7696% | 6,948 |
| Equity capital to assets | 26.9130% | 103 |
| Core capital (leverage) ratio | 27.1857% | 96 |
| Tier 1 risk-based capital ratio | 60.1974% | 107 |
| Total risk-based capital ratio | 61.4580% | 107 |
| Memoranda: | ||
| Average total assets | $23,106,330 | 7,285 |
| Average earning assets | $18,438,330 | 7,320 |
| Average equity | $6,137,330 | 6,197 |
| Average total loans | $10,035,000 | 7,257 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 6,689 |
| Cost of funding earning assets | 0.3017% | 7,387 |
| Net interest margin | 3.7060% | 4,068 |
| Noninterest income to average assets | 0.2591% | 5,822 |
| Noninterest expense to average assets | 2.0380% | 6,759 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1917% | 1,545 |
| Return on assets (ROA) | 1.1917% | 1,590 |
| Pretax return on assets | 1.1917% | 2,406 |
| Return on Equity (ROE) | 4.5164% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.5164% | 3,463 |
| Net charge-offs to loans | -0.0395% | 6,814 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1016% | 5,507 |
| Assets per employee ($millions) | 3.8512% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 2,917 |
| Loan loss allowance to noncurrent loans | 192.7083% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 6,169 |
| Noncurrent loans to loans | 0.9504% | 5,134 |
| Net loans and leases to total assets | 42.9134% | 6,548 |
| Net loans and leases to deposits | 58.6850% | 5,861 |
| Net loans and leases to core deposits | 62.7714% | 5,846 |
| Total domestic deposits to total assets | 73.1250% | 6,991 |
| Equity capital to assets | 26.5893% | 99 |
| Core capital (leverage) ratio | 26.0566% | 102 |
| Tier 1 risk-based capital ratio | 59.5931% | 107 |
| Total risk-based capital ratio | 60.8488% | 106 |
| Memoranda: | ||
| Average total assets | $23,159,500 | 7,338 |
| Average earning assets | $18,564,500 | 7,372 |
| Average equity | $6,111,000 | 6,208 |
| Average total loans | $10,119,000 | 7,313 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1787% | 6,955 |
| Cost of funding earning assets | 0.3636% | 7,459 |
| Net interest margin | 3.8152% | 3,887 |
| Noninterest income to average assets | 0.2923% | 5,690 |
| Noninterest expense to average assets | 2.2881% | 6,391 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4934% | 774 |
| Return on assets (ROA) | 1.4934% | 835 |
| Pretax return on assets | 1.5026% | 1,365 |
| Return on Equity (ROE) | 5.3959% | 3,903 |
| Retained earnings to average equity (ytd only) | 1.6831% | 4,675 |
| Net charge-offs to loans | -0.0375% | 7,422 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3614% | 5,993 |
| Assets per employee ($millions) | 3.8687% | 4,084 |
| Cash dividends to net income (ytd only)* | 68.8073% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 2,815 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 6,279 |
| Noncurrent loans to loans | 0.9076% | 5,241 |
| Net loans and leases to total assets | 42.8787% | 6,804 |
| Net loans and leases to deposits | 58.3036% | 6,227 |
| Net loans and leases to core deposits | 62.3192% | 6,214 |
| Total domestic deposits to total assets | 73.5439% | 6,944 |
| Equity capital to assets | 26.1847% | 111 |
| Core capital (leverage) ratio | 28.0785% | 94 |
| Tier 1 risk-based capital ratio | 58.2227% | 113 |
| Total risk-based capital ratio | 59.4826% | 112 |
| Memoranda: | ||
| Average total assets | $21,896,000 | 7,424 |
| Average earning assets | $20,077,800 | 7,401 |
| Average equity | $6,060,200 | 6,337 |
| Average total loans | $10,676,600 | 7,364 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2110% | 7,077 |
| Cost of funding earning assets | 0.3769% | 7,589 |
| Net interest margin | 3.8341% | 3,822 |
| Noninterest income to average assets | 0.2967% | 5,762 |
| Noninterest expense to average assets | 2.2627% | 6,430 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.6692% | 658 |
| Return on assets (ROA) | 1.6692% | 711 |
| Pretax return on assets | 1.6816% | 1,152 |
| Return on Equity (ROE) | 5.9446% | 3,843 |
| Retained earnings to average equity (ytd only) | 2.6421% | 4,569 |
| Net charge-offs to loans | -0.0370% | 7,431 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3668% | 6,366 |
| Assets per employee ($millions) | 3.6223% | 4,682 |
| Cash dividends to net income (ytd only)* | 55.5571% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 3,039 |
| Loan loss allowance to noncurrent loans | 186.7347% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 6,301 |
| Noncurrent loans to loans | 0.9287% | 5,382 |
| Net loans and leases to total assets | 47.7087% | 6,548 |
| Net loans and leases to deposits | 66.6474% | 5,586 |
| Net loans and leases to core deposits | 71.7181% | 5,549 |
| Total domestic deposits to total assets | 71.5837% | 7,174 |
| Equity capital to assets | 28.1034% | 98 |
| Core capital (leverage) ratio | 27.4061% | 101 |
| Tier 1 risk-based capital ratio | 57.5778% | 119 |
| Total risk-based capital ratio | 58.8297% | 117 |
| Memoranda: | ||
| Average total assets | $21,567,000 | 7,527 |
| Average earning assets | $20,517,000 | 7,482 |
| Average equity | $6,055,750 | 6,431 |
| Average total loans | $10,811,500 | 7,456 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2636% | 7,099 |
| Cost of funding earning assets | 0.4009% | 7,655 |
| Net interest margin | 3.8626% | 3,622 |
| Noninterest income to average assets | 0.2975% | 5,767 |
| Noninterest expense to average assets | 2.2686% | 6,446 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6921% | 597 |
| Return on assets (ROA) | 1.6921% | 646 |
| Pretax return on assets | 1.7014% | 1,054 |
| Return on Equity (ROE) | 6.0282% | 3,790 |
| Retained earnings to average equity (ytd only) | 3.5440% | 3,848 |
| Net charge-offs to loans | -0.0367% | 7,395 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1429% | 6,491 |
| Assets per employee ($millions) | 3.5313% | 4,838 |
| Cash dividends to net income (ytd only)* | 41.2088% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6554% | 3,235 |
| Loan loss allowance to noncurrent loans | 176.6990% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 6,238 |
| Noncurrent loans to loans | 0.9369% | 5,421 |
| Net loans and leases to total assets | 51.0289% | 6,301 |
| Net loans and leases to deposits | 71.9218% | 5,007 |
| Net loans and leases to core deposits | 77.5999% | 5,012 |
| Total domestic deposits to total assets | 70.9505% | 7,267 |
| Equity capital to assets | 28.7474% | 96 |
| Core capital (leverage) ratio | 28.7518% | 88 |
| Tier 1 risk-based capital ratio | 57.4599% | 118 |
| Total risk-based capital ratio | 58.7119% | 118 |
| Memoranda: | ||
| Average total assets | $21,511,330 | 7,589 |
| Average earning assets | $20,452,330 | 7,546 |
| Average equity | $6,038,330 | 6,456 |
| Average total loans | $10,898,000 | 7,506 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 7,229 |
| Cost of funding earning assets | 0.4479% | 7,738 |
| Net interest margin | 3.7777% | 3,880 |
| Noninterest income to average assets | 0.2953% | 5,784 |
| Noninterest expense to average assets | 2.2332% | 6,601 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6426% | 693 |
| Return on assets (ROA) | 1.6426% | 740 |
| Pretax return on assets | 1.6426% | 1,178 |
| Return on Equity (ROE) | 5.9215% | 3,913 |
| Retained earnings to average equity (ytd only) | 5.9215% | 2,656 |
| Net charge-offs to loans | -0.0369% | 7,257 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6190% | 6,545 |
| Assets per employee ($millions) | 3.5543% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6665% | 3,188 |
| Loan loss allowance to noncurrent loans | 80.4444% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.0551% | 5,033 |
| Noncurrent loans to loans | 2.0716% | 3,692 |
| Net loans and leases to total assets | 50.0797% | 6,459 |
| Net loans and leases to deposits | 70.2401% | 5,308 |
| Net loans and leases to core deposits | 75.7178% | 5,297 |
| Total domestic deposits to total assets | 71.2979% | 7,322 |
| Equity capital to assets | 28.4066% | 99 |
| Core capital (leverage) ratio | 26.8659% | 106 |
| Tier 1 risk-based capital ratio | 58.4931% | 117 |
| Total risk-based capital ratio | 59.7424% | 114 |
| Memoranda: | ||
| Average total assets | $21,673,000 | 7,684 |
| Average earning assets | $20,541,500 | 7,636 |
| Average equity | $6,012,000 | 6,516 |
| Average total loans | $10,850,000 | 7,608 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8338% | 6,876 |
| Cost of funding earning assets | 0.6248% | 7,758 |
| Net interest margin | 4.2090% | 2,036 |
| Noninterest income to average assets | 0.2814% | 6,094 |
| Noninterest expense to average assets | 2.2836% | 6,791 |
| Loan and lease loss provision to assets | 0.0185% | 7,318 |
| Net operating income to assets | 1.9653% | 244 |
| Return on assets (ROA) | 1.9653% | 256 |
| Pretax return on assets | 1.9884% | 412 |
| Return on Equity (ROE) | 7.1928% | 2,713 |
| Retained earnings to average equity (ytd only) | 2.6340% | 3,302 |
| Net charge-offs to loans | 0.0351% | 6,776 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 108.7500% | 260 |
| Efficiency ratio | 53.2258% | 7,302 |
| Assets per employee ($millions) | 3.6700% | 4,594 |
| Cash dividends to net income (ytd only)* | 63.3803% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 3,042 |
| Loan loss allowance to noncurrent loans | 181.8182% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 6,330 |
| Noncurrent loans to loans | 0.9134% | 5,484 |
| Net loans and leases to total assets | 48.4060% | 6,778 |
| Net loans and leases to deposits | 66.6646% | 5,983 |
| Net loans and leases to core deposits | 87.4908% | 5,384 |
| Total domestic deposits to total assets | 72.6113% | 7,194 |
| Equity capital to assets | 27.0936% | 125 |
| Core capital (leverage) ratio | 29.1145% | 108 |
| Tier 1 risk-based capital ratio | 55.9462% | 125 |
| Total risk-based capital ratio | 57.1966% | 125 |
| Memoranda: | ||
| Average total assets | $21,676,000 | 7,729 |
| Average earning assets | $20,646,400 | 7,688 |
| Average equity | $5,922,600 | 6,629 |
| Average total loans | $11,390,400 | 7,636 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9693% | 6,700 |
| Cost of funding earning assets | 0.6776% | 7,834 |
| Net interest margin | 4.2916% | 1,751 |
| Noninterest income to average assets | 0.3088% | 6,015 |
| Noninterest expense to average assets | 2.3282% | 6,630 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.0565% | 255 |
| Return on assets (ROA) | 2.0565% | 286 |
| Pretax return on assets | 2.0874% | 456 |
| Return on Equity (ROE) | 7.5103% | 2,865 |
| Retained earnings to average equity (ytd only) | 3.1124% | 3,581 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7273% | 7,353 |
| Assets per employee ($millions) | 3.3660% | 5,226 |
| Cash dividends to net income (ytd only)* | 58.5576% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 3,064 |
| Loan loss allowance to noncurrent loans | 183.6735% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 6,252 |
| Noncurrent loans to loans | 0.8612% | 5,573 |
| Net loans and leases to total assets | 55.4565% | 6,206 |
| Net loans and leases to deposits | 79.1128% | 4,542 |
| Net loans and leases to core deposits | 99.5290% | 4,429 |
| Total domestic deposits to total assets | 70.0980% | 7,407 |
| Equity capital to assets | 29.4761% | 120 |
| Core capital (leverage) ratio | 25.3719% | 164 |
| Tier 1 risk-based capital ratio | 55.9378% | 134 |
| Total risk-based capital ratio | 57.1913% | 131 |
| Memoranda: | ||
| Average total assets | $21,590,000 | 7,807 |
| Average earning assets | $20,659,750 | 7,765 |
| Average equity | $5,911,750 | 6,695 |
| Average total loans | $11,528,250 | 7,701 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 6,562 |
| Cost of funding earning assets | 0.7032% | 7,917 |
| Net interest margin | 4.3618% | 1,489 |
| Noninterest income to average assets | 0.3083% | 6,043 |
| Noninterest expense to average assets | 2.2580% | 6,896 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.1764% | 205 |
| Return on assets (ROA) | 2.1764% | 225 |
| Pretax return on assets | 2.2127% | 352 |
| Return on Equity (ROE) | 8.1384% | 2,712 |
| Retained earnings to average equity (ytd only) | 4.0692% | 3,023 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5071% | 7,635 |
| Assets per employee ($millions) | 3.6623% | 4,419 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 3,114 |
| Loan loss allowance to noncurrent loans | 183.6735% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 6,330 |
| Noncurrent loans to loans | 0.8242% | 5,579 |
| Net loans and leases to total assets | 53.2948% | 6,533 |
| Net loans and leases to deposits | 73.4186% | 5,548 |
| Net loans and leases to core deposits | 96.4662% | 4,847 |
| Total domestic deposits to total assets | 72.5903% | 7,171 |
| Equity capital to assets | 27.0046% | 171 |
| Core capital (leverage) ratio | 26.8848% | 176 |
| Tier 1 risk-based capital ratio | 51.8311% | 171 |
| Total risk-based capital ratio | 53.0839% | 169 |
| Memoranda: | ||
| Average total assets | $22,054,670 | 7,879 |
| Average earning assets | $21,046,330 | 7,825 |
| Average equity | $5,898,000 | 6,761 |
| Average total loans | $11,577,670 | 7,778 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9987% | 6,934 |
| Cost of funding earning assets | 0.7441% | 7,965 |
| Net interest margin | 4.2546% | 1,729 |
| Noninterest income to average assets | 0.2897% | 6,119 |
| Noninterest expense to average assets | 2.1362% | 7,042 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1362% | 262 |
| Return on assets (ROA) | 2.1362% | 304 |
| Pretax return on assets | 2.1905% | 451 |
| Return on Equity (ROE) | 8.0272% | 3,139 |
| Retained earnings to average equity (ytd only) | 8.0272% | 1,806 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3724% | 7,636 |
| Assets per employee ($millions) | 3.5163% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 2,616 |
| Loan loss allowance to noncurrent loans | 181.8182% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 6,075 |
| Noncurrent loans to loans | 0.8677% | 5,281 |
| Net loans and leases to total assets | 53.2278% | 6,557 |
| Net loans and leases to deposits | 74.4596% | 5,423 |
| Net loans and leases to core deposits | 99.5656% | 4,579 |
| Total domestic deposits to total assets | 71.4854% | 7,281 |
| Equity capital to assets | 28.1306% | 170 |
| Core capital (leverage) ratio | 26.2613% | 202 |
| Tier 1 risk-based capital ratio | 55.0405% | 160 |
| Total risk-based capital ratio | 56.2878% | 159 |
| Memoranda: | ||
| Average total assets | $22,095,000 | 7,925 |
| Average earning assets | $20,965,500 | 7,877 |
| Average equity | $5,880,000 | 6,820 |
| Average total loans | $11,421,000 | 7,836 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5022% | 7,300 |
| Cost of funding earning assets | 1.0081% | 8,053 |
| Net interest margin | 4.4941% | 1,442 |
| Noninterest income to average assets | 0.3384% | 6,033 |
| Noninterest expense to average assets | 2.2334% | 6,881 |
| Loan and lease loss provision to assets | 0.0271% | 7,058 |
| Net operating income to assets | 2.3823% | 160 |
| Return on assets (ROA) | 2.3823% | 158 |
| Pretax return on assets | 2.3823% | 255 |
| Return on Equity (ROE) | 9.2671% | 2,541 |
| Retained earnings to average equity (ytd only) | 5.3180% | 1,851 |
| Net charge-offs to loans | 0.0553% | 5,992 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 471 |
| Efficiency ratio | 48.1050% | 7,794 |
| Assets per employee ($millions) | 3.8487% | 3,860 |
| Cash dividends to net income (ytd only)* | 42.6136% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 2,345 |
| Loan loss allowance to noncurrent loans | 181.8182% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 5,935 |
| Noncurrent loans to loans | 0.8660% | 4,891 |
| Net loans and leases to total assets | 48.7268% | 7,129 |
| Net loans and leases to deposits | 65.4681% | 6,681 |
| Net loans and leases to core deposits | 88.1404% | 5,965 |
| Total domestic deposits to total assets | 74.4284% | 6,573 |
| Equity capital to assets | 25.2252% | 264 |
| Core capital (leverage) ratio | 27.2356% | 221 |
| Tier 1 risk-based capital ratio | 51.6347% | 206 |
| Total risk-based capital ratio | 52.8909% | 202 |
| Memoranda: | ||
| Average total assets | $22,163,600 | 7,938 |
| Average earning assets | $21,228,000 | 7,886 |
| Average equity | $5,697,600 | 6,915 |
| Average total loans | $10,854,800 | 7,899 |