Home > State Bank of Burnettsville > Performance and Condition Ratios
State Bank of Burnettsville, 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 | 3.7960% | 3,865 |
| Cost of funding earning assets | 0.6434% | 2,738 |
| Net interest margin | 3.1526% | 3,781 |
| Noninterest income to average assets | 0.2660% | 3,881 |
| Noninterest expense to average assets | 4.2845% | 309 |
| Loan and lease loss provision to assets | 0.2474% | 1,701 |
| Net operating income to assets | -0.9165% | 4,957 |
| Return on assets (ROA) | -0.9054% | 4,953 |
| Pretax return on assets | -1.2788% | 4,972 |
| Return on Equity (ROE) | -8.8322% | 4,973 |
| Retained earnings to average equity (ytd only) | -8.8322% | 4,894 |
| Net charge-offs to loans | -0.1306% | 4,891 |
| Credit loss provision to net charge-offs | -378.5714% | 3,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.2767% | 62 |
| Assets per employee ($millions) | 3.7634% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 1,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2879% | 3,173 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 46.4826% | 4,339 |
| Net loans and leases to deposits | 51.7937% | 4,455 |
| Net loans and leases to core deposits | 58.6352% | 4,322 |
| Total domestic deposits to total assets | 89.7456% | 476 |
| Equity capital to assets | 9.8027% | 3,365 |
| Core capital (leverage) ratio | 9.2624% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1737% | 886 |
| Memoranda: | ||
| Average total assets | $42,852,000 | 4,778 |
| Average earning assets | $40,411,000 | 4,758 |
| Average equity | $4,393,000 | 4,863 |
| Average total loans | $21,443,333 | 4,741 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0067% | 3,765 |
| Cost of funding earning assets | 0.7239% | 2,814 |
| Net interest margin | 3.2828% | 3,634 |
| Noninterest income to average assets | 0.2974% | 3,738 |
| Noninterest expense to average assets | 4.2497% | 393 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.5887% | 4,945 |
| Return on assets (ROA) | -0.5660% | 4,917 |
| Pretax return on assets | -0.8346% | 4,936 |
| Return on Equity (ROE) | -5.3931% | 4,931 |
| Retained earnings to average equity (ytd only) | -5.3931% | 4,548 |
| Net charge-offs to loans | -0.1301% | 4,876 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.4958% | 90 |
| Assets per employee ($millions) | 3.3997% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 3,165 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 52.3090% | 4,096 |
| Net loans and leases to deposits | 58.7119% | 4,263 |
| Net loans and leases to core deposits | 67.4911% | 4,010 |
| Total domestic deposits to total assets | 89.0945% | 621 |
| Equity capital to assets | 10.5697% | 3,258 |
| Core capital (leverage) ratio | 10.3462% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8748% | 880 |
| Memoranda: | ||
| Average total assets | $41,697,500 | 4,817 |
| Average earning assets | $39,234,500 | 4,799 |
| Average equity | $4,376,000 | 4,903 |
| Average total loans | $21,528,000 | 4,775 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 3,352 |
| Cost of funding earning assets | 0.5627% | 3,813 |
| Net interest margin | 3.8009% | 2,497 |
| Noninterest income to average assets | 2.6639% | 185 |
| Noninterest expense to average assets | 4.8787% | 236 |
| Loan and lease loss provision to assets | 0.3872% | 376 |
| Net operating income to assets | 0.6840% | 3,914 |
| Return on assets (ROA) | 0.6840% | 3,983 |
| Pretax return on assets | 0.9551% | 3,589 |
| Return on Equity (ROE) | 6.4433% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.4433% | 1,640 |
| Net charge-offs to loans | 1.2416% | 126 |
| Credit loss provision to net charge-offs | 52.6316% | 3,102 |
| Earnings coverage of net charge-offs (x) | 1.8246% | 3,487 |
| Efficiency ratio | 78.4232% | 1,102 |
| Assets per employee ($millions) | 3.5499% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,510 |
| Loan loss allowance to noncurrent loans | 268.7500% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 2,440 |
| Noncurrent loans to loans | 0.3722% | 3,109 |
| Net loans and leases to total assets | 49.9519% | 4,328 |
| Net loans and leases to deposits | 55.8900% | 4,460 |
| Net loans and leases to core deposits | 63.8108% | 4,287 |
| Total domestic deposits to total assets | 89.3753% | 536 |
| Equity capital to assets | 10.4228% | 3,516 |
| Core capital (leverage) ratio | 10.3236% | 3,163 |
| Tier 1 risk-based capital ratio | 19.4816% | 1,414 |
| Total risk-based capital ratio | 20.4541% | 1,442 |
| Memoranda: | ||
| Average total assets | $38,740,000 | 4,917 |
| Average earning assets | $36,254,400 | 4,888 |
| Average equity | $4,112,800 | 4,980 |
| Average total loans | $22,954,800 | 4,808 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4721% | 3,144 |
| Cost of funding earning assets | 0.5297% | 4,026 |
| Net interest margin | 3.9424% | 2,125 |
| Noninterest income to average assets | 0.3177% | 3,851 |
| Noninterest expense to average assets | 5.0332% | 207 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.7906% | 5,161 |
| Return on assets (ROA) | -0.7906% | 5,165 |
| Pretax return on assets | -1.0377% | 5,177 |
| Return on Equity (ROE) | -7.4091% | 5,185 |
| Retained earnings to average equity (ytd only) | -7.4091% | 5,115 |
| Net charge-offs to loans | 0.0743% | 1,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -22.6192% | 3,439 |
| Efficiency ratio | 125.9717% | 68 |
| Assets per employee ($millions) | 3.0932% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 1,318 |
| Loan loss allowance to noncurrent loans | 122.9927% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 1,332 |
| Noncurrent loans to loans | 1.2004% | 1,304 |
| Net loans and leases to total assets | 55.9261% | 4,051 |
| Net loans and leases to deposits | 62.1741% | 4,280 |
| Net loans and leases to core deposits | 72.1102% | 3,942 |
| Total domestic deposits to total assets | 89.9508% | 300 |
| Equity capital to assets | 9.8478% | 4,163 |
| Core capital (leverage) ratio | 9.5071% | 4,159 |
| Tier 1 risk-based capital ratio | 16.3581% | 2,314 |
| Total risk-based capital ratio | 17.6130% | 2,244 |
| Memoranda: | ||
| Average total assets | $37,775,250 | 5,002 |
| Average earning assets | $35,239,750 | 4,981 |
| Average equity | $4,031,000 | 5,060 |
| Average total loans | $23,320,000 | 4,870 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 3,015 |
| Cost of funding earning assets | 0.4750% | 4,229 |
| Net interest margin | 4.0259% | 1,840 |
| Noninterest income to average assets | 0.3138% | 3,834 |
| Noninterest expense to average assets | 4.4747% | 315 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.2922% | 5,165 |
| Return on assets (ROA) | -0.2922% | 5,173 |
| Pretax return on assets | -0.4004% | 5,180 |
| Return on Equity (ROE) | -2.6636% | 5,180 |
| Retained earnings to average equity (ytd only) | -2.6636% | 4,956 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8274% | 101 |
| Assets per employee ($millions) | 3.1022% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,260 |
| Loan loss allowance to noncurrent loans | 100.2865% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 1,479 |
| Noncurrent loans to loans | 1.5011% | 1,031 |
| Net loans and leases to total assets | 61.5161% | 3,599 |
| Net loans and leases to deposits | 69.3330% | 3,897 |
| Net loans and leases to core deposits | 73.7568% | 3,906 |
| Total domestic deposits to total assets | 88.7256% | 775 |
| Equity capital to assets | 11.0407% | 3,003 |
| Core capital (leverage) ratio | 10.7331% | 2,860 |
| Tier 1 risk-based capital ratio | 18.0402% | 1,798 |
| Total risk-based capital ratio | 19.2928% | 1,750 |
| Memoranda: | ||
| Average total assets | $36,963,000 | 5,052 |
| Average earning assets | $34,526,330 | 5,034 |
| Average equity | $4,054,670 | 5,097 |
| Average total loans | $23,484,670 | 4,906 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4774% | 2,950 |
| Cost of funding earning assets | 0.4640% | 4,226 |
| Net interest margin | 4.0135% | 1,812 |
| Noninterest income to average assets | 0.3149% | 3,752 |
| Noninterest expense to average assets | 4.2246% | 388 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.1303% | 5,189 |
| Return on assets (ROA) | -0.1303% | 5,187 |
| Pretax return on assets | -0.1520% | 5,186 |
| Return on Equity (ROE) | -1.1920% | 5,195 |
| Retained earnings to average equity (ytd only) | -1.1920% | 4,674 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7333% | 139 |
| Assets per employee ($millions) | 3.0732% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 1,307 |
| Loan loss allowance to noncurrent loans | 95.8904% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.0847% | 1,275 |
| Noncurrent loans to loans | 1.5744% | 1,009 |
| Net loans and leases to total assets | 61.9177% | 3,511 |
| Net loans and leases to deposits | 69.7094% | 3,781 |
| Net loans and leases to core deposits | 74.1894% | 3,788 |
| Total domestic deposits to total assets | 88.8226% | 944 |
| Equity capital to assets | 10.9849% | 2,869 |
| Core capital (leverage) ratio | 10.9253% | 2,640 |
| Tier 1 risk-based capital ratio | 18.1793% | 1,745 |
| Total risk-based capital ratio | 19.4326% | 1,696 |
| Memoranda: | ||
| Average total assets | $36,831,500 | 5,112 |
| Average earning assets | $34,484,000 | 5,092 |
| Average equity | $4,027,000 | 5,147 |
| Average total loans | $23,602,000 | 4,957 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 1,234 |
| Cost of funding earning assets | 0.3569% | 4,239 |
| Net interest margin | 4.5617% | 672 |
| Noninterest income to average assets | 0.3639% | 3,660 |
| Noninterest expense to average assets | 4.6332% | 269 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0190% | 5,225 |
| Return on assets (ROA) | 0.0190% | 5,220 |
| Pretax return on assets | 0.0000% | 5,226 |
| Return on Equity (ROE) | 0.1759% | 5,218 |
| Retained earnings to average equity (ytd only) | 0.1759% | 4,934 |
| Net charge-offs to loans | 0.1935% | 993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 3,716 |
| Efficiency ratio | 100.0000% | 141 |
| Assets per employee ($millions) | 3.0654% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 1,425 |
| Loan loss allowance to noncurrent loans | 87.0647% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.0928% | 1,233 |
| Noncurrent loans to loans | 1.6736% | 869 |
| Net loans and leases to total assets | 64.3469% | 3,318 |
| Net loans and leases to deposits | 72.3234% | 3,645 |
| Net loans and leases to core deposits | 76.9681% | 3,646 |
| Total domestic deposits to total assets | 88.9710% | 874 |
| Equity capital to assets | 10.8822% | 2,807 |
| Core capital (leverage) ratio | 10.8657% | 2,661 |
| Tier 1 risk-based capital ratio | 17.7400% | 1,831 |
| Total risk-based capital ratio | 18.9941% | 1,786 |
| Memoranda: | ||
| Average total assets | $36,821,000 | 5,146 |
| Average earning assets | $34,460,800 | 5,123 |
| Average equity | $3,979,200 | 5,184 |
| Average total loans | $24,809,400 | 4,945 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9273% | 1,100 |
| Cost of funding earning assets | 0.3285% | 4,316 |
| Net interest margin | 4.5988% | 597 |
| Noninterest income to average assets | 0.3656% | 3,681 |
| Noninterest expense to average assets | 4.4347% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1593% | 5,224 |
| Return on assets (ROA) | 0.1593% | 5,215 |
| Pretax return on assets | 0.2389% | 5,184 |
| Return on Equity (ROE) | 1.4766% | 5,188 |
| Retained earnings to average equity (ytd only) | 1.4766% | 4,733 |
| Net charge-offs to loans | 0.2079% | 815 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1.6923% | 3,327 |
| Efficiency ratio | 94.8877% | 223 |
| Assets per employee ($millions) | 2.9396% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 1,495 |
| Loan loss allowance to noncurrent loans | 84.0749% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 1,151 |
| Noncurrent loans to loans | 1.7333% | 895 |
| Net loans and leases to total assets | 68.8193% | 2,819 |
| Net loans and leases to deposits | 77.7006% | 3,266 |
| Net loans and leases to core deposits | 81.3457% | 3,377 |
| Total domestic deposits to total assets | 88.5698% | 1,015 |
| Equity capital to assets | 11.2544% | 2,425 |
| Core capital (leverage) ratio | 11.2771% | 2,350 |
| Tier 1 risk-based capital ratio | 17.7131% | 1,866 |
| Total risk-based capital ratio | 18.9679% | 1,821 |
| Memoranda: | ||
| Average total assets | $36,830,000 | 5,209 |
| Average earning assets | $34,501,000 | 5,186 |
| Average equity | $3,973,250 | 5,246 |
| Average total loans | $25,006,750 | 4,995 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4499% | 2,259 |
| Cost of funding earning assets | 0.2913% | 4,480 |
| Net interest margin | 4.1585% | 1,385 |
| Noninterest income to average assets | 0.3534% | 3,800 |
| Noninterest expense to average assets | 4.3001% | 364 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.0107% | 5,348 |
| Return on assets (ROA) | -0.0107% | 5,341 |
| Pretax return on assets | -0.0482% | 5,352 |
| Return on Equity (ROE) | -0.1006% | 5,340 |
| Retained earnings to average equity (ytd only) | -0.1006% | 4,971 |
| Net charge-offs to loans | 0.0875% | 1,468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -0.8182% | 3,154 |
| Efficiency ratio | 101.1335% | 157 |
| Assets per employee ($millions) | 3.0071% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 1,376 |
| Loan loss allowance to noncurrent loans | 37.7930% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 2.8377% | 274 |
| Noncurrent loans to loans | 3.9874% | 221 |
| Net loans and leases to total assets | 70.0956% | 2,566 |
| Net loans and leases to deposits | 78.9549% | 3,057 |
| Net loans and leases to core deposits | 80.5901% | 3,366 |
| Total domestic deposits to total assets | 88.7793% | 1,025 |
| Equity capital to assets | 10.9187% | 2,713 |
| Core capital (leverage) ratio | 11.0369% | 2,488 |
| Tier 1 risk-based capital ratio | 16.4729% | 2,265 |
| Total risk-based capital ratio | 17.7269% | 2,210 |
| Memoranda: | ||
| Average total assets | $37,348,330 | 5,263 |
| Average earning assets | $35,012,330 | 5,236 |
| Average equity | $3,974,330 | 5,300 |
| Average total loans | $25,130,670 | 5,050 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 2,192 |
| Cost of funding earning assets | 0.3031% | 4,329 |
| Net interest margin | 4.0977% | 1,444 |
| Noninterest income to average assets | 0.3370% | 3,906 |
| Noninterest expense to average assets | 4.0864% | 478 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0105% | 5,384 |
| Return on assets (ROA) | 0.0105% | 5,381 |
| Pretax return on assets | 0.0948% | 5,339 |
| Return on Equity (ROE) | 0.1002% | 5,379 |
| Retained earnings to average equity (ytd only) | 0.1002% | 4,791 |
| Net charge-offs to loans | 0.1127% | 1,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.2857% | 2,573 |
| Efficiency ratio | 97.7330% | 213 |
| Assets per employee ($millions) | 3.2715% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 1,274 |
| Loan loss allowance to noncurrent loans | 38.5602% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 2.8178% | 296 |
| Noncurrent loans to loans | 4.0296% | 248 |
| Net loans and leases to total assets | 68.8407% | 2,654 |
| Net loans and leases to deposits | 78.1557% | 3,003 |
| Net loans and leases to core deposits | 80.0498% | 3,319 |
| Total domestic deposits to total assets | 88.0815% | 1,572 |
| Equity capital to assets | 10.9487% | 2,637 |
| Core capital (leverage) ratio | 10.6668% | 2,772 |
| Tier 1 risk-based capital ratio | 16.7206% | 2,204 |
| Total risk-based capital ratio | 17.9735% | 2,147 |
| Memoranda: | ||
| Average total assets | $37,980,000 | 5,309 |
| Average earning assets | $35,629,500 | 5,280 |
| Average equity | $3,991,500 | 5,355 |
| Average total loans | $24,855,500 | 5,113 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 3,027 |
| Cost of funding earning assets | 0.3183% | 3,970 |
| Net interest margin | 3.7905% | 2,458 |
| Noninterest income to average assets | 0.3184% | 4,183 |
| Noninterest expense to average assets | 4.1623% | 438 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.5190% | 5,534 |
| Return on assets (ROA) | -0.5015% | 5,530 |
| Pretax return on assets | -0.3034% | 5,518 |
| Return on Equity (ROE) | -4.7252% | 5,532 |
| Retained earnings to average equity (ytd only) | -4.7252% | 5,425 |
| Net charge-offs to loans | -0.0041% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.3551% | 111 |
| Assets per employee ($millions) | 3.3312% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6214% | 1,095 |
| Loan loss allowance to noncurrent loans | 34.3103% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 2.9019% | 286 |
| Noncurrent loans to loans | 4.7256% | 162 |
| Net loans and leases to total assets | 60.4118% | 3,790 |
| Net loans and leases to deposits | 67.3406% | 4,070 |
| Net loans and leases to core deposits | 68.8771% | 4,240 |
| Total domestic deposits to total assets | 89.7108% | 671 |
| Equity capital to assets | 10.1141% | 3,581 |
| Core capital (leverage) ratio | 10.0488% | 3,393 |
| Tier 1 risk-based capital ratio | 16.5083% | 2,260 |
| Total risk-based capital ratio | 17.7657% | 2,200 |
| Memoranda: | ||
| Average total assets | $39,881,800 | 5,328 |
| Average earning assets | $37,066,400 | 5,319 |
| Average equity | $4,232,600 | 5,388 |
| Average total loans | $24,486,200 | 5,178 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1065% | 2,970 |
| Cost of funding earning assets | 0.3214% | 3,923 |
| Net interest margin | 3.7851% | 2,457 |
| Noninterest income to average assets | 0.3044% | 4,357 |
| Noninterest expense to average assets | 4.1278% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.1588% | 5,566 |
| Return on assets (ROA) | -0.1438% | 5,568 |
| Pretax return on assets | -0.2944% | 5,590 |
| Return on Equity (ROE) | -1.3395% | 5,569 |
| Retained earnings to average equity (ytd only) | -1.3395% | 5,378 |
| Net charge-offs to loans | -0.0054% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.3406% | 107 |
| Assets per employee ($millions) | 3.2485% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6442% | 1,147 |
| Loan loss allowance to noncurrent loans | 39.8798% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 2.5602% | 412 |
| Noncurrent loans to loans | 4.1228% | 232 |
| Net loans and leases to total assets | 61.0769% | 3,759 |
| Net loans and leases to deposits | 68.7406% | 4,061 |
| Net loans and leases to core deposits | 70.4804% | 4,216 |
| Total domestic deposits to total assets | 88.8513% | 948 |
| Equity capital to assets | 10.9897% | 2,875 |
| Core capital (leverage) ratio | 10.2330% | 3,273 |
| Tier 1 risk-based capital ratio | 16.9202% | 2,175 |
| Total risk-based capital ratio | 18.1765% | 2,135 |
| Memoranda: | ||
| Average total assets | $39,858,750 | 5,389 |
| Average earning assets | $36,916,000 | 5,376 |
| Average equity | $4,280,000 | 5,439 |
| Average total loans | $24,471,000 | 5,228 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 2,800 |
| Cost of funding earning assets | 0.3293% | 3,801 |
| Net interest margin | 3.7791% | 2,365 |
| Noninterest income to average assets | 0.2640% | 4,649 |
| Noninterest expense to average assets | 4.1294% | 453 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.1967% | 5,621 |
| Return on assets (ROA) | -0.1743% | 5,614 |
| Pretax return on assets | -0.3437% | 5,643 |
| Return on Equity (ROE) | -1.6360% | 5,613 |
| Retained earnings to average equity (ytd only) | -1.6360% | 5,312 |
| Net charge-offs to loans | -0.0081% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0930% | 103 |
| Assets per employee ($millions) | 3.2502% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6341% | 1,188 |
| Loan loss allowance to noncurrent loans | 40.5295% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 2.5178% | 429 |
| Noncurrent loans to loans | 4.0319% | 237 |
| Net loans and leases to total assets | 61.4276% | 3,696 |
| Net loans and leases to deposits | 69.1848% | 3,971 |
| Net loans and leases to core deposits | 71.0372% | 4,157 |
| Total domestic deposits to total assets | 88.7878% | 1,062 |
| Equity capital to assets | 11.0328% | 2,775 |
| Core capital (leverage) ratio | 10.1406% | 3,347 |
| Tier 1 risk-based capital ratio | 17.1375% | 2,124 |
| Total risk-based capital ratio | 18.3979% | 2,063 |
| Memoranda: | ||
| Average total assets | $40,151,000 | 5,431 |
| Average earning assets | $37,046,330 | 5,417 |
| Average equity | $4,278,670 | 5,476 |
| Average total loans | $24,559,000 | 5,264 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0124% | 2,988 |
| Cost of funding earning assets | 0.3308% | 3,743 |
| Net interest margin | 3.6816% | 2,553 |
| Noninterest income to average assets | 0.1670% | 5,275 |
| Noninterest expense to average assets | 3.8011% | 681 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1473% | 5,666 |
| Return on assets (ROA) | -0.1473% | 5,668 |
| Pretax return on assets | -0.2455% | 5,676 |
| Return on Equity (ROE) | -1.4063% | 5,668 |
| Retained earnings to average equity (ytd only) | -1.4063% | 5,116 |
| Net charge-offs to loans | -0.0162% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9061% | 155 |
| Assets per employee ($millions) | 3.3911% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 1,287 |
| Loan loss allowance to noncurrent loans | 40.8624% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 2.3935% | 504 |
| Noncurrent loans to loans | 4.0076% | 255 |
| Net loans and leases to total assets | 58.7472% | 3,911 |
| Net loans and leases to deposits | 65.7463% | 4,196 |
| Net loans and leases to core deposits | 67.4187% | 4,330 |
| Total domestic deposits to total assets | 89.3544% | 972 |
| Equity capital to assets | 10.4883% | 3,199 |
| Core capital (leverage) ratio | 10.3230% | 3,083 |
| Tier 1 risk-based capital ratio | 16.9326% | 2,202 |
| Total risk-based capital ratio | 18.1931% | 2,158 |
| Memoranda: | ||
| Average total assets | $40,725,500 | 5,489 |
| Average earning assets | $37,483,500 | 5,471 |
| Average equity | $4,266,500 | 5,529 |
| Average total loans | $24,660,500 | 5,312 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1757% | 2,566 |
| Cost of funding earning assets | 0.3678% | 3,336 |
| Net interest margin | 3.8079% | 2,296 |
| Noninterest income to average assets | 0.4016% | 3,875 |
| Noninterest expense to average assets | 4.3608% | 423 |
| Loan and lease loss provision to assets | 0.8919% | 123 |
| Net operating income to assets | -0.7785% | 5,818 |
| Return on assets (ROA) | -0.5814% | 5,803 |
| Pretax return on assets | -0.9978% | 5,833 |
| Return on Equity (ROE) | -5.1445% | 5,791 |
| Retained earnings to average equity (ytd only) | -5.1445% | 5,679 |
| Net charge-offs to loans | 1.6845% | 84 |
| Credit loss provision to net charge-offs | 79.7357% | 2,980 |
| Earnings coverage of net charge-offs (x) | -0.3700% | 4,152 |
| Efficiency ratio | 110.4869% | 122 |
| Assets per employee ($millions) | 3.3965% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 1,405 |
| Loan loss allowance to noncurrent loans | 38.9216% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 2.7381% | 407 |
| Noncurrent loans to loans | 4.0772% | 247 |
| Net loans and leases to total assets | 60.4053% | 3,803 |
| Net loans and leases to deposits | 67.6318% | 4,113 |
| Net loans and leases to core deposits | 69.3463% | 4,301 |
| Total domestic deposits to total assets | 89.3150% | 945 |
| Equity capital to assets | 10.4642% | 3,195 |
| Core capital (leverage) ratio | 9.5911% | 3,977 |
| Tier 1 risk-based capital ratio | 15.9526% | 2,570 |
| Total risk-based capital ratio | 17.2149% | 2,498 |
| Memoranda: | ||
| Average total assets | $40,589,200 | 5,530 |
| Average earning assets | $37,790,000 | 5,513 |
| Average equity | $4,587,400 | 5,542 |
| Average total loans | $26,951,000 | 5,296 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1364% | 2,737 |
| Cost of funding earning assets | 0.3675% | 3,357 |
| Net interest margin | 3.7688% | 2,457 |
| Noninterest income to average assets | 0.3842% | 4,035 |
| Noninterest expense to average assets | 4.3769% | 419 |
| Loan and lease loss provision to assets | 1.1886% | 76 |
| Net operating income to assets | -1.6155% | 5,934 |
| Return on assets (ROA) | -1.2149% | 5,918 |
| Pretax return on assets | -1.2116% | 5,913 |
| Return on Equity (ROE) | -10.5681% | 5,908 |
| Retained earnings to average equity (ytd only) | -10.5681% | 5,853 |
| Net charge-offs to loans | 2.2163% | 56 |
| Credit loss provision to net charge-offs | 79.2123% | 2,676 |
| Earnings coverage of net charge-offs (x) | -0.2823% | 3,836 |
| Efficiency ratio | 110.7143% | 116 |
| Assets per employee ($millions) | 3.3528% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 1,772 |
| Loan loss allowance to noncurrent loans | 29.5352% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 3.4448% | 292 |
| Noncurrent loans to loans | 5.0699% | 164 |
| Net loans and leases to total assets | 64.4182% | 3,346 |
| Net loans and leases to deposits | 72.3481% | 3,770 |
| Net loans and leases to core deposits | 73.1651% | 4,069 |
| Total domestic deposits to total assets | 89.0391% | 886 |
| Equity capital to assets | 10.8093% | 3,235 |
| Core capital (leverage) ratio | 10.4555% | 3,042 |
| Tier 1 risk-based capital ratio | 16.4243% | 2,448 |
| Total risk-based capital ratio | 17.6768% | 2,399 |
| Memoranda: | ||
| Average total assets | $40,605,750 | 5,587 |
| Average earning assets | $38,454,750 | 5,553 |
| Average equity | $4,668,000 | 5,585 |
| Average total loans | $27,493,250 | 5,334 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 2,856 |
| Cost of funding earning assets | 0.4032% | 3,006 |
| Net interest margin | 3.6961% | 2,710 |
| Noninterest income to average assets | 0.4812% | 3,324 |
| Noninterest expense to average assets | 4.3605% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.3532% | 5,892 |
| Return on assets (ROA) | 0.1277% | 5,685 |
| Pretax return on assets | 0.1326% | 5,686 |
| Return on Equity (ROE) | 1.0892% | 5,674 |
| Retained earnings to average equity (ytd only) | 1.0892% | 4,947 |
| Net charge-offs to loans | 0.0645% | 2,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -8.3333% | 3,644 |
| Efficiency ratio | 109.2251% | 148 |
| Assets per employee ($millions) | 3.3936% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 1,269 |
| Loan loss allowance to noncurrent loans | 28.5714% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 4.1254% | 208 |
| Noncurrent loans to loans | 5.9615% | 124 |
| Net loans and leases to total assets | 68.0230% | 2,771 |
| Net loans and leases to deposits | 77.3533% | 3,225 |
| Net loans and leases to core deposits | 78.2271% | 3,623 |
| Total domestic deposits to total assets | 87.9380% | 1,466 |
| Equity capital to assets | 11.7378% | 2,319 |
| Core capital (leverage) ratio | 11.4296% | 2,043 |
| Tier 1 risk-based capital ratio | 13.7709% | 3,738 |
| Total risk-based capital ratio | 15.0231% | 3,654 |
| Memoranda: | ||
| Average total assets | $40,729,670 | 5,646 |
| Average earning assets | $38,689,330 | 5,611 |
| Average equity | $4,774,330 | 5,618 |
| Average total loans | $27,887,000 | 5,380 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 3,047 |
| Cost of funding earning assets | 0.3528% | 3,575 |
| Net interest margin | 3.6940% | 2,693 |
| Noninterest income to average assets | 0.5401% | 2,869 |
| Noninterest expense to average assets | 4.1637% | 515 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1228% | 5,854 |
| Return on assets (ROA) | 0.5303% | 4,609 |
| Pretax return on assets | 0.5597% | 4,925 |
| Return on Equity (ROE) | 4.5269% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.5269% | 3,221 |
| Net charge-offs to loans | 0.1586% | 1,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -1.1818% | 3,008 |
| Efficiency ratio | 103.1630% | 225 |
| Assets per employee ($millions) | 3.3997% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7086% | 1,346 |
| Loan loss allowance to noncurrent loans | 28.9171% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 4.1499% | 236 |
| Noncurrent loans to loans | 5.9086% | 147 |
| Net loans and leases to total assets | 67.4037% | 2,751 |
| Net loans and leases to deposits | 76.7586% | 3,132 |
| Net loans and leases to core deposits | 82.2702% | 3,109 |
| Total domestic deposits to total assets | 87.8125% | 1,738 |
| Equity capital to assets | 11.7242% | 2,223 |
| Core capital (leverage) ratio | 11.6552% | 1,859 |
| Tier 1 risk-based capital ratio | 13.7763% | 3,827 |
| Total risk-based capital ratio | 15.0244% | 3,757 |
| Memoranda: | ||
| Average total assets | $40,733,000 | 5,702 |
| Average earning assets | $38,549,500 | 5,670 |
| Average equity | $4,771,500 | 5,661 |
| Average total loans | $27,740,000 | 5,424 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 3,535 |
| Cost of funding earning assets | 0.3913% | 3,252 |
| Net interest margin | 3.5571% | 3,294 |
| Noninterest income to average assets | 0.3858% | 4,151 |
| Noninterest expense to average assets | 4.2087% | 535 |
| Loan and lease loss provision to assets | 0.1606% | 1,439 |
| Net operating income to assets | -0.2426% | 5,978 |
| Return on assets (ROA) | -0.2297% | 5,982 |
| Pretax return on assets | -0.5977% | 6,056 |
| Return on Equity (ROE) | -2.1432% | 5,985 |
| Retained earnings to average equity (ytd only) | -2.1432% | 5,758 |
| Net charge-offs to loans | 0.2877% | 1,056 |
| Credit loss provision to net charge-offs | 84.7059% | 2,866 |
| Earnings coverage of net charge-offs (x) | -2.4118% | 4,364 |
| Efficiency ratio | 112.1879% | 124 |
| Assets per employee ($millions) | 3.3892% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7779% | 1,175 |
| Loan loss allowance to noncurrent loans | 26.6340% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 4.6127% | 201 |
| Noncurrent loans to loans | 6.6754% | 116 |
| Net loans and leases to total assets | 66.4249% | 2,921 |
| Net loans and leases to deposits | 75.6045% | 3,309 |
| Net loans and leases to core deposits | 81.0482% | 3,240 |
| Total domestic deposits to total assets | 87.8584% | 1,712 |
| Equity capital to assets | 11.7040% | 2,191 |
| Core capital (leverage) ratio | 11.3381% | 2,095 |
| Tier 1 risk-based capital ratio | 13.5708% | 3,966 |
| Total risk-based capital ratio | 14.8241% | 3,898 |
| Memoranda: | ||
| Average total assets | $44,836,200 | 5,662 |
| Average earning assets | $42,422,200 | 5,626 |
| Average equity | $4,806,000 | 5,696 |
| Average total loans | $29,542,400 | 5,375 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9152% | 3,700 |
| Cost of funding earning assets | 0.3799% | 3,440 |
| Net interest margin | 3.5353% | 3,406 |
| Noninterest income to average assets | 0.3342% | 4,554 |
| Noninterest expense to average assets | 3.9728% | 689 |
| Loan and lease loss provision to assets | 0.2093% | 941 |
| Net operating income to assets | -0.4763% | 6,133 |
| Return on assets (ROA) | -0.4679% | 6,137 |
| Pretax return on assets | -0.4853% | 6,130 |
| Return on Equity (ROE) | -4.4558% | 6,129 |
| Retained earnings to average equity (ytd only) | -4.4558% | 6,007 |
| Net charge-offs to loans | 0.4747% | 522 |
| Credit loss provision to net charge-offs | 67.2897% | 2,812 |
| Earnings coverage of net charge-offs (x) | -0.9159% | 4,048 |
| Efficiency ratio | 107.7226% | 169 |
| Assets per employee ($millions) | 3.3973% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 1,585 |
| Loan loss allowance to noncurrent loans | 30.4631% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 3.8585% | 312 |
| Noncurrent loans to loans | 5.4449% | 170 |
| Net loans and leases to total assets | 67.9177% | 2,692 |
| Net loans and leases to deposits | 77.2588% | 3,170 |
| Net loans and leases to core deposits | 84.0201% | 3,037 |
| Total domestic deposits to total assets | 87.9093% | 1,613 |
| Equity capital to assets | 11.4970% | 2,511 |
| Core capital (leverage) ratio | 11.0518% | 2,431 |
| Tier 1 risk-based capital ratio | 12.7015% | 4,609 |
| Total risk-based capital ratio | 13.9526% | 4,520 |
| Memoranda: | ||
| Average total assets | $45,877,750 | 5,709 |
| Average earning assets | $43,522,000 | 5,668 |
| Average equity | $4,817,500 | 5,771 |
| Average total loans | $30,052,000 | 5,420 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 3,551 |
| Cost of funding earning assets | 0.3554% | 3,751 |
| Net interest margin | 3.5807% | 3,163 |
| Noninterest income to average assets | 0.3321% | 4,581 |
| Noninterest expense to average assets | 3.6275% | 1,079 |
| Loan and lease loss provision to assets | 0.3026% | 508 |
| Net operating income to assets | -0.2354% | 6,118 |
| Return on assets (ROA) | -0.2480% | 6,139 |
| Pretax return on assets | -0.2228% | 6,116 |
| Return on Equity (ROE) | -2.4275% | 6,137 |
| Retained earnings to average equity (ytd only) | -2.4275% | 5,866 |
| Net charge-offs to loans | -0.0717% | 5,673 |
| Credit loss provision to net charge-offs | -654.5455% | 5,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5141% | 391 |
| Assets per employee ($millions) | 4.0165% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9698% | 1,028 |
| Loan loss allowance to noncurrent loans | 39.8501% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 3.0458% | 548 |
| Noncurrent loans to loans | 4.9429% | 236 |
| Net loans and leases to total assets | 60.4050% | 3,769 |
| Net loans and leases to deposits | 67.4169% | 4,190 |
| Net loans and leases to core deposits | 72.5113% | 4,087 |
| Total domestic deposits to total assets | 89.5992% | 844 |
| Equity capital to assets | 9.9071% | 4,145 |
| Core capital (leverage) ratio | 9.8146% | 3,842 |
| Tier 1 risk-based capital ratio | 11.4242% | 5,514 |
| Total risk-based capital ratio | 12.6767% | 5,431 |
| Memoranda: | ||
| Average total assets | $47,581,330 | 5,732 |
| Average earning assets | $45,019,670 | 5,685 |
| Average equity | $4,861,000 | 5,814 |
| Average total loans | $30,684,330 | 5,444 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 3,084 |
| Cost of funding earning assets | 0.3657% | 3,689 |
| Net interest margin | 3.6745% | 2,718 |
| Noninterest income to average assets | 0.2962% | 4,802 |
| Noninterest expense to average assets | 3.5284% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2708% | 5,505 |
| Return on assets (ROA) | 0.2454% | 5,666 |
| Pretax return on assets | 0.2285% | 5,791 |
| Return on Equity (ROE) | 2.3654% | 5,585 |
| Retained earnings to average equity (ytd only) | 2.3654% | 4,507 |
| Net charge-offs to loans | -0.0513% | 5,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2886% | 630 |
| Assets per employee ($millions) | 3.8945% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 1,902 |
| Loan loss allowance to noncurrent loans | 58.7007% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 2.2339% | 1,024 |
| Noncurrent loans to loans | 2.8020% | 823 |
| Net loans and leases to total assets | 64.7452% | 2,985 |
| Net loans and leases to deposits | 72.9108% | 3,442 |
| Net loans and leases to core deposits | 78.1517% | 3,362 |
| Total domestic deposits to total assets | 88.8004% | 1,388 |
| Equity capital to assets | 10.5598% | 3,472 |
| Core capital (leverage) ratio | 10.0982% | 3,474 |
| Tier 1 risk-based capital ratio | 15.0170% | 3,423 |
| Total risk-based capital ratio | 16.2708% | 3,353 |
| Memoranda: | ||
| Average total assets | $47,273,000 | 5,789 |
| Average earning assets | $44,849,500 | 5,742 |
| Average equity | $4,904,000 | 5,857 |
| Average total loans | $31,177,000 | 5,465 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 4,096 |
| Cost of funding earning assets | 0.5240% | 2,452 |
| Net interest margin | 3.3849% | 4,254 |
| Noninterest income to average assets | 0.4300% | 3,969 |
| Noninterest expense to average assets | 3.2185% | 2,166 |
| Loan and lease loss provision to assets | 0.3478% | 554 |
| Net operating income to assets | 0.0787% | 5,980 |
| Return on assets (ROA) | 0.2108% | 5,806 |
| Pretax return on assets | 0.2424% | 5,800 |
| Return on Equity (ROE) | 2.1077% | 5,742 |
| Retained earnings to average equity (ytd only) | 1.5175% | 5,075 |
| Net charge-offs to loans | 0.0964% | 3,128 |
| Credit loss provision to net charge-offs | 532.2581% | 498 |
| Earnings coverage of net charge-offs (x) | 6.7097% | 3,148 |
| Efficiency ratio | 88.0115% | 995 |
| Assets per employee ($millions) | 3.9843% | 3,993 |
| Cash dividends to net income (ytd only)* | 28.0000% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5891% | 2,131 |
| Loan loss allowance to noncurrent loans | 57.4371% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 2.2087% | 1,104 |
| Noncurrent loans to loans | 2.7667% | 866 |
| Net loans and leases to total assets | 65.0213% | 3,042 |
| Net loans and leases to deposits | 72.8824% | 3,571 |
| Net loans and leases to core deposits | 82.1890% | 3,086 |
| Total domestic deposits to total assets | 89.2140% | 1,112 |
| Equity capital to assets | 10.1920% | 3,861 |
| Core capital (leverage) ratio | 9.7440% | 3,910 |
| Tier 1 risk-based capital ratio | 14.8330% | 3,580 |
| Total risk-based capital ratio | 16.0883% | 3,511 |
| Memoranda: | ||
| Average total assets | $47,444,400 | 5,845 |
| Average earning assets | $45,230,000 | 5,791 |
| Average equity | $4,744,600 | 5,917 |
| Average total loans | $32,155,600 | 5,480 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 4,423 |
| Cost of funding earning assets | 0.5306% | 2,461 |
| Net interest margin | 3.3042% | 4,587 |
| Noninterest income to average assets | 0.4195% | 4,099 |
| Noninterest expense to average assets | 3.2718% | 1,966 |
| Loan and lease loss provision to assets | 0.4280% | 376 |
| Net operating income to assets | -0.2269% | 6,277 |
| Return on assets (ROA) | -0.1098% | 6,231 |
| Pretax return on assets | 0.0591% | 6,107 |
| Return on Equity (ROE) | -1.1034% | 6,234 |
| Retained earnings to average equity (ytd only) | -1.8956% | 6,058 |
| Net charge-offs to loans | 0.1321% | 2,473 |
| Credit loss provision to net charge-offs | 475.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 3.3747% | 3,675 |
| Efficiency ratio | 91.4961% | 738 |
| Assets per employee ($millions) | 4.0523% | 3,771 |
| Cash dividends to net income (ytd only)* | -71.7885% | 6,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4924% | 2,751 |
| Loan loss allowance to noncurrent loans | 51.4768% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 2.3238% | 1,169 |
| Noncurrent loans to loans | 2.8991% | 934 |
| Net loans and leases to total assets | 66.2430% | 2,815 |
| Net loans and leases to deposits | 74.0846% | 3,424 |
| Net loans and leases to core deposits | 84.6526% | 2,817 |
| Total domestic deposits to total assets | 89.4153% | 1,019 |
| Equity capital to assets | 9.6634% | 4,595 |
| Core capital (leverage) ratio | 9.3481% | 4,573 |
| Tier 1 risk-based capital ratio | 14.0125% | 4,206 |
| Total risk-based capital ratio | 15.2643% | 4,140 |
| Memoranda: | ||
| Average total assets | $47,352,500 | 5,915 |
| Average earning assets | $45,234,000 | 5,857 |
| Average equity | $4,712,500 | 5,989 |
| Average total loans | $32,297,000 | 5,527 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6191% | 5,093 |
| Cost of funding earning assets | 0.5496% | 2,352 |
| Net interest margin | 3.0696% | 5,346 |
| Noninterest income to average assets | 0.4091% | 4,179 |
| Noninterest expense to average assets | 3.2859% | 1,955 |
| Loan and lease loss provision to assets | 0.6393% | 219 |
| Net operating income to assets | -0.6734% | 6,480 |
| Return on assets (ROA) | -0.3964% | 6,414 |
| Pretax return on assets | -0.3111% | 6,368 |
| Return on Equity (ROE) | -3.9432% | 6,409 |
| Retained earnings to average equity (ytd only) | -5.1304% | 6,245 |
| Net charge-offs to loans | 0.1741% | 1,997 |
| Credit loss provision to net charge-offs | 535.7143% | 559 |
| Earnings coverage of net charge-offs (x) | 0.4286% | 4,045 |
| Efficiency ratio | 98.4674% | 446 |
| Assets per employee ($millions) | 4.7328% | 2,564 |
| Cash dividends to net income (ytd only)* | -30.1075% | 6,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 2,906 |
| Loan loss allowance to noncurrent loans | 43.0580% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 2.7890% | 940 |
| Noncurrent loans to loans | 3.4801% | 766 |
| Net loans and leases to total assets | 68.0570% | 2,406 |
| Net loans and leases to deposits | 76.1736% | 3,033 |
| Net loans and leases to core deposits | 91.1122% | 2,018 |
| Total domestic deposits to total assets | 89.3446% | 1,189 |
| Equity capital to assets | 9.7828% | 4,383 |
| Core capital (leverage) ratio | 9.6030% | 4,173 |
| Tier 1 risk-based capital ratio | 14.0416% | 4,237 |
| Total risk-based capital ratio | 15.2832% | 4,176 |
| Memoranda: | ||
| Average total assets | $46,927,670 | 5,987 |
| Average earning assets | $44,762,000 | 5,920 |
| Average equity | $4,717,000 | 6,033 |
| Average total loans | $32,162,670 | 5,571 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3391% | 2,368 |
| Cost of funding earning assets | 0.5457% | 2,458 |
| Net interest margin | 3.7933% | 2,499 |
| Noninterest income to average assets | 0.4109% | 4,098 |
| Noninterest expense to average assets | 3.2443% | 2,089 |
| Loan and lease loss provision to assets | -0.0428% | 6,447 |
| Net operating income to assets | 0.5992% | 4,205 |
| Return on assets (ROA) | 0.5992% | 4,285 |
| Pretax return on assets | 0.8389% | 3,941 |
| Return on Equity (ROE) | 5.8817% | 4,081 |
| Retained earnings to average equity (ytd only) | 5.8817% | 2,603 |
| Net charge-offs to loans | -0.0627% | 5,914 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2966% | 2,160 |
| Assets per employee ($millions) | 4.6697% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 4,924 |
| Loan loss allowance to noncurrent loans | 28.3951% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 2.7753% | 1,077 |
| Noncurrent loans to loans | 4.0119% | 674 |
| Net loans and leases to total assets | 68.3898% | 2,161 |
| Net loans and leases to deposits | 77.1438% | 2,668 |
| Net loans and leases to core deposits | 85.9696% | 2,324 |
| Total domestic deposits to total assets | 88.6524% | 1,863 |
| Equity capital to assets | 10.3433% | 3,408 |
| Core capital (leverage) ratio | 10.1570% | 3,340 |
| Tier 1 risk-based capital ratio | 15.0052% | 3,710 |
| Total risk-based capital ratio | 16.1650% | 3,711 |
| Memoranda: | ||
| Average total assets | $46,727,500 | 6,047 |
| Average earning assets | $44,710,000 | 5,981 |
| Average equity | $4,760,500 | 6,057 |
| Average total loans | $31,894,000 | 5,631 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 1,947 |
| Cost of funding earning assets | 0.5272% | 3,326 |
| Net interest margin | 4.0483% | 1,809 |
| Noninterest income to average assets | 0.4145% | 4,345 |
| Noninterest expense to average assets | 3.4831% | 1,693 |
| Loan and lease loss provision to assets | -0.0985% | 6,480 |
| Net operating income to assets | 0.6704% | 3,936 |
| Return on assets (ROA) | 0.7007% | 3,874 |
| Pretax return on assets | 0.9023% | 3,756 |
| Return on Equity (ROE) | 6.5373% | 3,808 |
| Retained earnings to average equity (ytd only) | 5.3623% | 2,376 |
| Net charge-offs to loans | -0.0746% | 6,419 |
| Credit loss provision to net charge-offs | 195.4545% | 1,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9946% | 1,876 |
| Assets per employee ($millions) | 4.2507% | 3,354 |
| Cash dividends to net income (ytd only)* | 17.9739% | 3,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 4,818 |
| Loan loss allowance to noncurrent loans | 170.3704% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 4,856 |
| Noncurrent loans to loans | 0.6861% | 4,258 |
| Net loans and leases to total assets | 66.5469% | 2,603 |
| Net loans and leases to deposits | 74.7280% | 3,149 |
| Net loans and leases to core deposits | 85.3545% | 2,527 |
| Total domestic deposits to total assets | 89.0521% | 1,586 |
| Equity capital to assets | 10.0325% | 3,723 |
| Core capital (leverage) ratio | 10.1751% | 3,329 |
| Tier 1 risk-based capital ratio | 14.9708% | 3,689 |
| Total risk-based capital ratio | 16.1457% | 3,671 |
| Memoranda: | ||
| Average total assets | $43,668,000 | 6,183 |
| Average earning assets | $41,351,200 | 6,133 |
| Average equity | $4,680,800 | 6,146 |
| Average total loans | $29,503,000 | 5,787 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6141% | 1,851 |
| Cost of funding earning assets | 0.5211% | 3,554 |
| Net interest margin | 4.0930% | 1,654 |
| Noninterest income to average assets | 0.4942% | 3,854 |
| Noninterest expense to average assets | 3.3694% | 1,895 |
| Loan and lease loss provision to assets | -0.0280% | 6,506 |
| Net operating income to assets | 0.7297% | 3,705 |
| Return on assets (ROA) | 0.7677% | 3,649 |
| Pretax return on assets | 1.0630% | 3,256 |
| Return on Equity (ROE) | 7.0396% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.2701% | 2,252 |
| Net charge-offs to loans | -0.0919% | 6,479 |
| Credit loss provision to net charge-offs | 45.0000% | 3,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4286% | 2,491 |
| Assets per employee ($millions) | 4.3622% | 3,116 |
| Cash dividends to net income (ytd only)* | 10.9313% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 4,525 |
| Loan loss allowance to noncurrent loans | 70.1754% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.3067% | 3,041 |
| Noncurrent loans to loans | 1.8144% | 2,480 |
| Net loans and leases to total assets | 71.0994% | 1,765 |
| Net loans and leases to deposits | 80.6317% | 2,319 |
| Net loans and leases to core deposits | 93.3231% | 1,639 |
| Total domestic deposits to total assets | 88.1780% | 2,009 |
| Equity capital to assets | 10.6850% | 3,086 |
| Core capital (leverage) ratio | 10.6793% | 2,809 |
| Tier 1 risk-based capital ratio | 15.2776% | 3,576 |
| Total risk-based capital ratio | 16.5273% | 3,531 |
| Memoranda: | ||
| Average total assets | $42,895,500 | 6,271 |
| Average earning assets | $40,426,000 | 6,226 |
| Average equity | $4,678,250 | 6,229 |
| Average total loans | $29,007,750 | 5,865 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5674% | 1,966 |
| Cost of funding earning assets | 0.5186% | 3,718 |
| Net interest margin | 4.0488% | 1,702 |
| Noninterest income to average assets | 0.4970% | 3,860 |
| Noninterest expense to average assets | 3.4370% | 1,746 |
| Loan and lease loss provision to assets | -0.1594% | 6,758 |
| Net operating income to assets | 0.7198% | 3,722 |
| Return on assets (ROA) | 0.7690% | 3,631 |
| Pretax return on assets | 1.0972% | 3,104 |
| Return on Equity (ROE) | 7.0026% | 3,598 |
| Retained earnings to average equity (ytd only) | 5.8497% | 2,518 |
| Net charge-offs to loans | -0.1418% | 6,582 |
| Credit loss provision to net charge-offs | 170.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8475% | 2,180 |
| Assets per employee ($millions) | 4.7590% | 2,436 |
| Cash dividends to net income (ytd only)* | 16.4634% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 4,557 |
| Loan loss allowance to noncurrent loans | 253.3784% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 5,446 |
| Noncurrent loans to loans | 0.5094% | 4,994 |
| Net loans and leases to total assets | 66.9562% | 2,420 |
| Net loans and leases to deposits | 76.0569% | 2,868 |
| Net loans and leases to core deposits | 84.6558% | 2,470 |
| Total domestic deposits to total assets | 88.0344% | 2,220 |
| Equity capital to assets | 10.7772% | 2,969 |
| Core capital (leverage) ratio | 10.3528% | 3,040 |
| Tier 1 risk-based capital ratio | 16.0825% | 3,144 |
| Total risk-based capital ratio | 17.3340% | 3,087 |
| Memoranda: | ||
| Average total assets | $42,653,330 | 6,325 |
| Average earning assets | $40,110,330 | 6,277 |
| Average equity | $4,684,000 | 6,272 |
| Average total loans | $28,205,330 | 5,925 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 1,787 |
| Cost of funding earning assets | 0.5104% | 3,968 |
| Net interest margin | 4.1033% | 1,451 |
| Noninterest income to average assets | 0.4417% | 4,165 |
| Noninterest expense to average assets | 3.2891% | 2,111 |
| Loan and lease loss provision to assets | -0.6108% | 6,971 |
| Net operating income to assets | 1.4345% | 977 |
| Return on assets (ROA) | 1.5600% | 824 |
| Pretax return on assets | 1.7573% | 958 |
| Return on Equity (ROE) | 14.0738% | 950 |
| Retained earnings to average equity (ytd only) | 14.0738% | 439 |
| Net charge-offs to loans | -0.4895% | 6,852 |
| Credit loss provision to net charge-offs | 191.1765% | 1,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5864% | 2,828 |
| Assets per employee ($millions) | 4.8998% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 4,784 |
| Loan loss allowance to noncurrent loans | 369.0722% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 5,906 |
| Noncurrent loans to loans | 0.3475% | 5,532 |
| Net loans and leases to total assets | 62.4836% | 2,969 |
| Net loans and leases to deposits | 71.1493% | 3,303 |
| Net loans and leases to core deposits | 78.9581% | 2,938 |
| Total domestic deposits to total assets | 87.8203% | 2,440 |
| Equity capital to assets | 10.8644% | 3,121 |
| Core capital (leverage) ratio | 11.0009% | 2,265 |
| Tier 1 risk-based capital ratio | 16.3966% | 3,063 |
| Total risk-based capital ratio | 17.6466% | 3,012 |
| Memoranda: | ||
| Average total assets | $42,564,500 | 6,384 |
| Average earning assets | $39,968,000 | 6,336 |
| Average equity | $4,718,000 | 6,329 |
| Average total loans | $27,781,500 | 5,997 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9409% | 1,713 |
| Cost of funding earning assets | 0.6669% | 3,771 |
| Net interest margin | 4.2740% | 1,463 |
| Noninterest income to average assets | 0.4952% | 3,935 |
| Noninterest expense to average assets | 3.4902% | 1,831 |
| Loan and lease loss provision to assets | -0.1570% | 6,954 |
| Net operating income to assets | 0.9313% | 2,640 |
| Return on assets (ROA) | 1.0120% | 2,499 |
| Pretax return on assets | 1.3236% | 2,308 |
| Return on Equity (ROE) | 9.2814% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.0409% | 1,107 |
| Net charge-offs to loans | -0.0299% | 6,613 |
| Credit loss provision to net charge-offs | 812.5000% | 307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6985% | 2,635 |
| Assets per employee ($millions) | 4.5590% | 2,865 |
| Cash dividends to net income (ytd only)* | 13.3652% | 3,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 4,140 |
| Loan loss allowance to noncurrent loans | 70.2166% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.3502% | 3,376 |
| Noncurrent loans to loans | 2.0035% | 2,689 |
| Net loans and leases to total assets | 66.4424% | 2,464 |
| Net loans and leases to deposits | 76.2595% | 2,761 |
| Net loans and leases to core deposits | 83.2453% | 2,637 |
| Total domestic deposits to total assets | 87.1268% | 2,760 |
| Equity capital to assets | 11.3207% | 2,610 |
| Core capital (leverage) ratio | 10.4593% | 2,817 |
| Tier 1 risk-based capital ratio | 15.9721% | 3,179 |
| Total risk-based capital ratio | 17.2245% | 3,132 |
| Memoranda: | ||
| Average total assets | $41,401,400 | 6,453 |
| Average earning assets | $39,284,200 | 6,383 |
| Average equity | $4,514,400 | 6,440 |
| Average total loans | $26,775,400 | 6,095 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9689% | 1,776 |
| Cost of funding earning assets | 0.6881% | 3,875 |
| Net interest margin | 4.2809% | 1,532 |
| Noninterest income to average assets | 0.4948% | 3,963 |
| Noninterest expense to average assets | 3.2904% | 2,298 |
| Loan and lease loss provision to assets | -0.1542% | 7,073 |
| Net operating income to assets | 1.0279% | 2,369 |
| Return on assets (ROA) | 1.1311% | 2,175 |
| Pretax return on assets | 1.5584% | 1,703 |
| Return on Equity (ROE) | 10.4718% | 2,146 |
| Retained earnings to average equity (ytd only) | 9.6389% | 1,017 |
| Net charge-offs to loans | -0.1054% | 6,868 |
| Credit loss provision to net charge-offs | 228.5714% | 1,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2653% | 3,273 |
| Assets per employee ($millions) | 4.6350% | 2,692 |
| Cash dividends to net income (ytd only)* | 7.9541% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 3,675 |
| Loan loss allowance to noncurrent loans | 27.2078% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 3.6917% | 1,338 |
| Noncurrent loans to loans | 5.7512% | 733 |
| Net loans and leases to total assets | 63.1859% | 3,177 |
| Net loans and leases to deposits | 72.5776% | 3,518 |
| Net loans and leases to core deposits | 79.1128% | 3,309 |
| Total domestic deposits to total assets | 87.0598% | 2,625 |
| Equity capital to assets | 11.0871% | 3,169 |
| Core capital (leverage) ratio | 10.6428% | 2,764 |
| Tier 1 risk-based capital ratio | 15.9824% | 3,272 |
| Total risk-based capital ratio | 17.2359% | 3,237 |
| Memoranda: | ||
| Average total assets | $41,494,000 | 6,532 |
| Average earning assets | $39,336,750 | 6,455 |
| Average equity | $4,481,750 | 6,516 |
| Average total loans | $26,556,500 | 6,191 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9413% | 1,957 |
| Cost of funding earning assets | 0.7052% | 3,972 |
| Net interest margin | 4.2361% | 1,649 |
| Noninterest income to average assets | 0.4829% | 4,037 |
| Noninterest expense to average assets | 3.2979% | 2,307 |
| Loan and lease loss provision to assets | -0.4539% | 7,198 |
| Net operating income to assets | 1.4177% | 1,157 |
| Return on assets (ROA) | 1.5982% | 936 |
| Pretax return on assets | 1.8831% | 874 |
| Return on Equity (ROE) | 14.9301% | 949 |
| Retained earnings to average equity (ytd only) | 13.6671% | 374 |
| Net charge-offs to loans | 0.1208% | 3,963 |
| Credit loss provision to net charge-offs | -587.5000% | 6,315 |
| Earnings coverage of net charge-offs (x) | 15.7500% | 1,631 |
| Efficiency ratio | 73.0481% | 3,232 |
| Assets per employee ($millions) | 4.4936% | 2,913 |
| Cash dividends to net income (ytd only)* | 8.4592% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 5,129 |
| Loan loss allowance to noncurrent loans | 58.5366% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 1.4193% | 3,594 |
| Noncurrent loans to loans | 2.1320% | 2,786 |
| Net loans and leases to total assets | 65.7411% | 2,722 |
| Net loans and leases to deposits | 75.5785% | 3,044 |
| Net loans and leases to core deposits | 86.0142% | 2,425 |
| Total domestic deposits to total assets | 86.9838% | 2,770 |
| Equity capital to assets | 11.3323% | 2,748 |
| Core capital (leverage) ratio | 10.7740% | 2,511 |
| Tier 1 risk-based capital ratio | 15.9513% | 3,188 |
| Total risk-based capital ratio | 17.1755% | 3,171 |
| Memoranda: | ||
| Average total assets | $41,420,330 | 6,574 |
| Average earning assets | $39,423,000 | 6,495 |
| Average equity | $4,434,000 | 6,561 |
| Average total loans | $26,483,000 | 6,234 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8802% | 2,318 |
| Cost of funding earning assets | 0.7315% | 4,012 |
| Net interest margin | 4.1487% | 1,946 |
| Noninterest income to average assets | 0.4390% | 4,385 |
| Noninterest expense to average assets | 2.9778% | 3,339 |
| Loan and lease loss provision to assets | -0.9449% | 7,284 |
| Net operating income to assets | 1.3671% | 1,285 |
| Return on assets (ROA) | 1.5748% | 1,012 |
| Pretax return on assets | 2.6820% | 261 |
| Return on Equity (ROE) | 15.1394% | 947 |
| Retained earnings to average equity (ytd only) | 15.1394% | 441 |
| Net charge-offs to loans | 0.1828% | 3,009 |
| Credit loss provision to net charge-offs | -825.0000% | 5,889 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 1,609 |
| Efficiency ratio | 67.8261% | 4,205 |
| Assets per employee ($millions) | 4.2229% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 5,149 |
| Loan loss allowance to noncurrent loans | 492.6471% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 6,485 |
| Noncurrent loans to loans | 0.2582% | 6,174 |
| Net loans and leases to total assets | 61.5691% | 3,344 |
| Net loans and leases to deposits | 70.2589% | 3,699 |
| Net loans and leases to core deposits | 83.2213% | 2,653 |
| Total domestic deposits to total assets | 87.6317% | 2,571 |
| Equity capital to assets | 10.4762% | 3,518 |
| Core capital (leverage) ratio | 10.1416% | 3,185 |
| Tier 1 risk-based capital ratio | 15.8349% | 3,258 |
| Total risk-based capital ratio | 17.0863% | 3,229 |
| Memoranda: | ||
| Average total assets | $41,909,500 | 6,606 |
| Average earning assets | $39,916,500 | 6,527 |
| Average equity | $4,359,500 | 6,617 |
| Average total loans | $26,263,000 | 6,292 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5059% | 1,161 |
| Cost of funding earning assets | 0.9254% | 3,919 |
| Net interest margin | 4.5805% | 957 |
| Noninterest income to average assets | 0.5324% | 3,635 |
| Noninterest expense to average assets | 3.2739% | 2,607 |
| Loan and lease loss provision to assets | 0.2829% | 3,404 |
| Net operating income to assets | 0.7552% | 3,242 |
| Return on assets (ROA) | 0.7947% | 3,228 |
| Pretax return on assets | 1.3528% | 1,941 |
| Return on Equity (ROE) | 7.3376% | 3,229 |
| Retained earnings to average equity (ytd only) | 6.3402% | 1,834 |
| Net charge-offs to loans | -0.0534% | 7,062 |
| Credit loss provision to net charge-offs | -785.7143% | 6,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5332% | 4,458 |
| Assets per employee ($millions) | 4.1590% | 3,530 |
| Cash dividends to net income (ytd only)* | 13.5922% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 3,192 |
| Loan loss allowance to noncurrent loans | 22,300.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 6,988 |
| Noncurrent loans to loans | 0.0076% | 6,843 |
| Net loans and leases to total assets | 61.9019% | 3,619 |
| Net loans and leases to deposits | 70.7650% | 3,986 |
| Net loans and leases to core deposits | 78.9167% | 3,579 |
| Total domestic deposits to total assets | 87.4754% | 2,483 |
| Equity capital to assets | 10.3270% | 3,747 |
| Core capital (leverage) ratio | 10.3288% | 2,939 |
| Tier 1 risk-based capital ratio | 15.3597% | 3,415 |
| Total risk-based capital ratio | 16.6151% | 3,365 |
| Memoranda: | ||
| Average total assets | $38,883,000 | 6,708 |
| Average earning assets | $36,633,600 | 6,650 |
| Average equity | $4,211,200 | 6,695 |
| Average total loans | $26,204,600 | 6,342 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6134% | 1,006 |
| Cost of funding earning assets | 0.9603% | 3,956 |
| Net interest margin | 4.6531% | 843 |
| Noninterest income to average assets | 0.5339% | 3,624 |
| Noninterest expense to average assets | 3.1722% | 2,917 |
| Loan and lease loss provision to assets | 0.1780% | 4,256 |
| Net operating income to assets | 1.5503% | 850 |
| Return on assets (ROA) | 1.6332% | 801 |
| Pretax return on assets | 1.6471% | 1,265 |
| Return on Equity (ROE) | 14.8912% | 853 |
| Retained earnings to average equity (ytd only) | 14.4459% | 271 |
| Net charge-offs to loans | -0.4528% | 7,340 |
| Credit loss provision to net charge-offs | -57.3034% | 6,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5597% | 4,971 |
| Assets per employee ($millions) | 3.7435% | 4,427 |
| Cash dividends to net income (ytd only)* | 2.9921% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 3,179 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 5,966 |
| Noncurrent loans to loans | 0.6283% | 5,628 |
| Net loans and leases to total assets | 70.1937% | 2,050 |
| Net loans and leases to deposits | 81.3681% | 2,471 |
| Net loans and leases to core deposits | 91.2681% | 2,078 |
| Total domestic deposits to total assets | 86.2669% | 3,059 |
| Equity capital to assets | 11.9567% | 2,289 |
| Core capital (leverage) ratio | 11.4398% | 2,068 |
| Tier 1 risk-based capital ratio | 16.3294% | 2,954 |
| Total risk-based capital ratio | 17.5864% | 2,918 |
| Memoranda: | ||
| Average total assets | $38,206,250 | 6,787 |
| Average earning assets | $35,961,000 | 6,737 |
| Average equity | $4,190,250 | 6,751 |
| Average total loans | $26,208,000 | 6,412 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5211% | 1,253 |
| Cost of funding earning assets | 0.9863% | 4,043 |
| Net interest margin | 4.5348% | 1,045 |
| Noninterest income to average assets | 0.5200% | 3,706 |
| Noninterest expense to average assets | 3.1355% | 3,127 |
| Loan and lease loss provision to assets | -0.2704% | 7,461 |
| Net operating income to assets | 1.9200% | 390 |
| Return on assets (ROA) | 2.0435% | 335 |
| Pretax return on assets | 2.0591% | 523 |
| Return on Equity (ROE) | 19.1941% | 368 |
| Retained earnings to average equity (ytd only) | 18.5104% | 125 |
| Net charge-offs to loans | -1.3676% | 7,453 |
| Credit loss provision to net charge-offs | 29.2135% | 5,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3304% | 4,995 |
| Assets per employee ($millions) | 3.7183% | 4,389 |
| Cash dividends to net income (ytd only)* | 3.5623% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6963% | 3,334 |
| Loan loss allowance to noncurrent loans | 119.1489% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 1.0112% | 4,855 |
| Noncurrent loans to loans | 1.4237% | 4,286 |
| Net loans and leases to total assets | 69.8222% | 2,254 |
| Net loans and leases to deposits | 80.3951% | 2,720 |
| Net loans and leases to core deposits | 90.2179% | 2,349 |
| Total domestic deposits to total assets | 86.8488% | 2,821 |
| Equity capital to assets | 11.6505% | 2,363 |
| Core capital (leverage) ratio | 11.0036% | 2,248 |
| Tier 1 risk-based capital ratio | 16.1972% | 2,882 |
| Total risk-based capital ratio | 17.4547% | 2,848 |
| Memoranda: | ||
| Average total assets | $38,463,330 | 6,846 |
| Average earning assets | $36,297,000 | 6,786 |
| Average equity | $4,095,000 | 6,822 |
| Average total loans | $26,031,000 | 6,477 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3933% | 1,579 |
| Cost of funding earning assets | 0.8881% | 5,009 |
| Net interest margin | 4.5053% | 1,059 |
| Noninterest income to average assets | 0.4808% | 4,044 |
| Noninterest expense to average assets | 3.0790% | 3,342 |
| Loan and lease loss provision to assets | 0.2148% | 3,503 |
| Net operating income to assets | 1.4219% | 1,029 |
| Return on assets (ROA) | 1.4219% | 1,061 |
| Pretax return on assets | 1.4423% | 1,618 |
| Return on Equity (ROE) | 13.9821% | 997 |
| Retained earnings to average equity (ytd only) | 13.9821% | 474 |
| Net charge-offs to loans | 0.0619% | 4,305 |
| Credit loss provision to net charge-offs | 525.0000% | 687 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 679 |
| Efficiency ratio | 65.0108% | 5,187 |
| Assets per employee ($millions) | 3.8501% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 5,117 |
| Loan loss allowance to noncurrent loans | 101.8018% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.9428% | 5,002 |
| Noncurrent loans to loans | 1.2785% | 4,562 |
| Net loans and leases to total assets | 66.7697% | 2,819 |
| Net loans and leases to deposits | 75.8923% | 3,436 |
| Net loans and leases to core deposits | 85.3713% | 2,979 |
| Total domestic deposits to total assets | 87.9795% | 2,383 |
| Equity capital to assets | 10.5530% | 3,125 |
| Core capital (leverage) ratio | 10.0504% | 3,088 |
| Tier 1 risk-based capital ratio | 15.2420% | 3,292 |
| Total risk-based capital ratio | 16.4935% | 3,251 |
| Memoranda: | ||
| Average total assets | $39,103,500 | 6,864 |
| Average earning assets | $36,934,500 | 6,809 |
| Average equity | $3,976,500 | 6,889 |
| Average total loans | $25,841,500 | 6,536 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7142% | 1,520 |
| Cost of funding earning assets | 1.0696% | 5,317 |
| Net interest margin | 4.6447% | 918 |
| Noninterest income to average assets | 0.5319% | 3,940 |
| Noninterest expense to average assets | 3.2501% | 2,913 |
| Loan and lease loss provision to assets | 1.1249% | 1,418 |
| Net operating income to assets | 0.5930% | 3,705 |
| Return on assets (ROA) | 0.6694% | 3,492 |
| Pretax return on assets | 0.5879% | 4,363 |
| Return on Equity (ROE) | 6.8029% | 3,214 |
| Retained earnings to average equity (ytd only) | 6.1562% | 1,744 |
| Net charge-offs to loans | 2.3204% | 832 |
| Credit loss provision to net charge-offs | 70.7200% | 5,845 |
| Earnings coverage of net charge-offs (x) | 1.0288% | 5,086 |
| Efficiency ratio | 66.5104% | 4,865 |
| Assets per employee ($millions) | 3.9706% | 3,848 |
| Cash dividends to net income (ytd only)* | 9.5057% | 3,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 5,222 |
| Loan loss allowance to noncurrent loans | 1,463.6364% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 6,907 |
| Noncurrent loans to loans | 0.0858% | 6,919 |
| Net loans and leases to total assets | 63.7561% | 3,923 |
| Net loans and leases to deposits | 71.8299% | 4,551 |
| Net loans and leases to core deposits | 81.7008% | 3,948 |
| Total domestic deposits to total assets | 88.7599% | 1,791 |
| Equity capital to assets | 9.7970% | 4,005 |
| Core capital (leverage) ratio | 9.4396% | 3,784 |
| Tier 1 risk-based capital ratio | 14.3217% | 3,663 |
| Total risk-based capital ratio | 15.5331% | 3,642 |
| Memoranda: | ||
| Average total assets | $39,291,200 | 6,887 |
| Average earning assets | $36,837,800 | 6,843 |
| Average equity | $3,866,000 | 7,042 |
| Average total loans | $26,935,200 | 6,557 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7770% | 1,463 |
| Cost of funding earning assets | 1.1023% | 5,402 |
| Net interest margin | 4.6747% | 897 |
| Noninterest income to average assets | 0.5512% | 3,776 |
| Noninterest expense to average assets | 3.2118% | 2,883 |
| Loan and lease loss provision to assets | 0.7043% | 2,175 |
| Net operating income to assets | 0.6884% | 3,471 |
| Return on assets (ROA) | 0.6907% | 3,615 |
| Pretax return on assets | 1.0105% | 3,145 |
| Return on Equity (ROE) | 7.0119% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.0119% | 1,838 |
| Net charge-offs to loans | 0.1859% | 4,838 |
| Credit loss provision to net charge-offs | 544.7368% | 527 |
| Earnings coverage of net charge-offs (x) | 13.2356% | 1,602 |
| Efficiency ratio | 65.2384% | 5,012 |
| Assets per employee ($millions) | 3.9269% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5145% | 1,302 |
| Loan loss allowance to noncurrent loans | 111.4050% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 1.6171% | 4,026 |
| Noncurrent loans to loans | 2.2570% | 3,378 |
| Net loans and leases to total assets | 66.5436% | 3,561 |
| Net loans and leases to deposits | 75.7684% | 4,218 |
| Net loans and leases to core deposits | 83.5203% | 4,018 |
| Total domestic deposits to total assets | 87.8250% | 2,074 |
| Equity capital to assets | 10.1327% | 3,973 |
| Core capital (leverage) ratio | 9.5457% | 3,838 |
| Tier 1 risk-based capital ratio | 13.9312% | 3,893 |
| Total risk-based capital ratio | 15.1980% | 3,836 |
| Memoranda: | ||
| Average total assets | $39,187,500 | 6,973 |
| Average earning assets | $36,650,250 | 6,931 |
| Average equity | $3,860,000 | 7,129 |
| Average total loans | $27,259,750 | 6,626 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9550% | 1,044 |
| Cost of funding earning assets | 1.1309% | 5,515 |
| Net interest margin | 4.8241% | 634 |
| Noninterest income to average assets | 0.5414% | 3,778 |
| Noninterest expense to average assets | 3.2482% | 2,734 |
| Loan and lease loss provision to assets | 0.5567% | 2,543 |
| Net operating income to assets | 0.9206% | 2,467 |
| Return on assets (ROA) | 0.9244% | 2,555 |
| Pretax return on assets | 1.2513% | 2,253 |
| Return on Equity (ROE) | 9.4756% | 2,281 |
| Retained earnings to average equity (ytd only) | 9.4756% | 966 |
| Net charge-offs to loans | 0.0511% | 5,670 |
| Credit loss provision to net charge-offs | 1,557.1429% | 256 |
| Earnings coverage of net charge-offs (x) | 50.4286% | 589 |
| Efficiency ratio | 64.3074% | 5,276 |
| Assets per employee ($millions) | 3.8929% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1851% | 1,796 |
| Loan loss allowance to noncurrent loans | 948.4375% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 6,975 |
| Noncurrent loans to loans | 0.2304% | 6,778 |
| Net loans and leases to total assets | 69.7989% | 2,951 |
| Net loans and leases to deposits | 79.3088% | 3,733 |
| Net loans and leases to core deposits | 89.0885% | 3,396 |
| Total domestic deposits to total assets | 88.0089% | 1,999 |
| Equity capital to assets | 10.0362% | 3,976 |
| Core capital (leverage) ratio | 9.5071% | 3,814 |
| Tier 1 risk-based capital ratio | 13.4283% | 4,116 |
| Total risk-based capital ratio | 14.6888% | 4,075 |
| Memoranda: | ||
| Average total assets | $39,160,330 | 7,022 |
| Average earning assets | $36,608,000 | 6,980 |
| Average equity | $3,820,330 | 7,176 |
| Average total loans | $27,411,330 | 6,667 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9138% | 1,173 |
| Cost of funding earning assets | 1.1609% | 5,602 |
| Net interest margin | 4.7530% | 701 |
| Noninterest income to average assets | 0.5296% | 3,819 |
| Noninterest expense to average assets | 3.0960% | 3,278 |
| Loan and lease loss provision to assets | 0.2546% | 4,008 |
| Net operating income to assets | 1.2527% | 1,398 |
| Return on assets (ROA) | 1.2527% | 1,473 |
| Pretax return on assets | 1.5989% | 1,265 |
| Return on Equity (ROE) | 13.0262% | 1,250 |
| Retained earnings to average equity (ytd only) | 13.0262% | 615 |
| Net charge-offs to loans | 0.0588% | 4,823 |
| Credit loss provision to net charge-offs | 625.0000% | 695 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 610 |
| Efficiency ratio | 62.5514% | 5,728 |
| Assets per employee ($millions) | 3.9247% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9205% | 2,383 |
| Loan loss allowance to noncurrent loans | 1,421.6216% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 7,249 |
| Noncurrent loans to loans | 0.1351% | 7,066 |
| Net loans and leases to total assets | 68.4434% | 3,288 |
| Net loans and leases to deposits | 77.5126% | 4,131 |
| Net loans and leases to core deposits | 86.9405% | 3,762 |
| Total domestic deposits to total assets | 88.2997% | 1,905 |
| Equity capital to assets | 9.8173% | 4,085 |
| Core capital (leverage) ratio | 9.4234% | 3,886 |
| Tier 1 risk-based capital ratio | 13.4176% | 4,036 |
| Total risk-based capital ratio | 14.6751% | 3,993 |
| Memoranda: | ||
| Average total assets | $39,276,000 | 7,108 |
| Average earning assets | $36,524,500 | 7,077 |
| Average equity | $3,777,000 | 7,261 |
| Average total loans | $27,227,500 | 6,763 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6305% | 3,440 |
| Cost of funding earning assets | 1.7967% | 4,010 |
| Net interest margin | 3.8338% | 3,559 |
| Noninterest income to average assets | 0.5295% | 4,182 |
| Noninterest expense to average assets | 2.8214% | 4,883 |
| Loan and lease loss provision to assets | 0.3694% | 4,571 |
| Net operating income to assets | 0.6753% | 3,034 |
| Return on assets (ROA) | 0.6189% | 3,329 |
| Pretax return on assets | 0.8283% | 3,160 |
| Return on Equity (ROE) | 7.4652% | 2,592 |
| Retained earnings to average equity (ytd only) | 7.0678% | 943 |
| Net charge-offs to loans | 0.1216% | 5,961 |
| Credit loss provision to net charge-offs | 475.7576% | 643 |
| Earnings coverage of net charge-offs (x) | 16.3939% | 1,253 |
| Efficiency ratio | 68.9080% | 4,845 |
| Assets per employee ($millions) | 3.9305% | 3,954 |
| Cash dividends to net income (ytd only)* | 5.3232% | 3,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8657% | 2,352 |
| Loan loss allowance to noncurrent loans | 79.6530% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.6130% | 3,953 |
| Noncurrent loans to loans | 2.3423% | 3,242 |
| Net loans and leases to total assets | 67.5792% | 3,803 |
| Net loans and leases to deposits | 75.1783% | 4,859 |
| Net loans and leases to core deposits | 102.6511% | 3,729 |
| Total domestic deposits to total assets | 89.8919% | 1,017 |
| Equity capital to assets | 9.4161% | 4,532 |
| Core capital (leverage) ratio | 9.0044% | 4,413 |
| Tier 1 risk-based capital ratio | 12.7944% | 4,290 |
| Total risk-based capital ratio | 14.0527% | 4,233 |
| Memoranda: | ||
| Average total assets | $42,496,600 | 7,012 |
| Average earning assets | $39,516,800 | 6,956 |
| Average equity | $3,523,000 | 7,438 |
| Average total loans | $27,149,000 | 6,795 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5028% | 4,403 |
| Cost of funding earning assets | 1.9398% | 3,667 |
| Net interest margin | 3.5630% | 4,621 |
| Noninterest income to average assets | 0.5205% | 4,314 |
| Noninterest expense to average assets | 2.7532% | 5,093 |
| Loan and lease loss provision to assets | 0.3942% | 3,950 |
| Net operating income to assets | 0.6154% | 3,554 |
| Return on assets (ROA) | 0.6344% | 3,548 |
| Pretax return on assets | 0.7206% | 3,791 |
| Return on Equity (ROE) | 7.8959% | 2,685 |
| Retained earnings to average equity (ytd only) | 7.3592% | 1,370 |
| Net charge-offs to loans | 0.1374% | 5,327 |
| Credit loss provision to net charge-offs | 457.1429% | 857 |
| Earnings coverage of net charge-offs (x) | 12.6793% | 1,735 |
| Efficiency ratio | 71.5773% | 4,319 |
| Assets per employee ($millions) | 3.9001% | 3,941 |
| Cash dividends to net income (ytd only)* | 6.7975% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7604% | 2,411 |
| Loan loss allowance to noncurrent loans | 81.6638% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.6384% | 3,903 |
| Noncurrent loans to loans | 2.1556% | 3,438 |
| Net loans and leases to total assets | 68.8264% | 3,763 |
| Net loans and leases to deposits | 76.6549% | 4,947 |
| Net loans and leases to core deposits | 105.2460% | 3,791 |
| Total domestic deposits to total assets | 89.7874% | 851 |
| Equity capital to assets | 9.4536% | 4,808 |
| Core capital (leverage) ratio | 9.0681% | 4,546 |
| Tier 1 risk-based capital ratio | 12.4920% | 4,545 |
| Total risk-based capital ratio | 13.7476% | 4,496 |
| Memoranda: | ||
| Average total assets | $43,294,500 | 7,025 |
| Average earning assets | $40,414,500 | 6,983 |
| Average equity | $3,478,500 | 7,517 |
| Average total loans | $27,169,500 | 6,849 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3017% | 5,653 |
| Cost of funding earning assets | 2.1351% | 3,110 |
| Net interest margin | 3.1666% | 6,033 |
| Noninterest income to average assets | 0.4874% | 4,559 |
| Noninterest expense to average assets | 2.6964% | 5,396 |
| Loan and lease loss provision to assets | 0.5232% | 2,928 |
| Net operating income to assets | 0.1655% | 5,367 |
| Return on assets (ROA) | 0.1655% | 5,467 |
| Pretax return on assets | 0.2191% | 5,416 |
| Return on Equity (ROE) | 2.1707% | 5,233 |
| Retained earnings to average equity (ytd only) | 1.3494% | 4,587 |
| Net charge-offs to loans | -0.0295% | 7,777 |
| Credit loss provision to net charge-offs | -2,925.0000% | 7,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4135% | 3,289 |
| Assets per employee ($millions) | 3.8516% | 3,977 |
| Cash dividends to net income (ytd only)* | 37.8378% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 2,008 |
| Loan loss allowance to noncurrent loans | 190.8745% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.6828% | 5,708 |
| Noncurrent loans to loans | 0.9501% | 5,323 |
| Net loans and leases to total assets | 70.5629% | 3,560 |
| Net loans and leases to deposits | 77.8249% | 4,904 |
| Net loans and leases to core deposits | 104.3381% | 4,027 |
| Total domestic deposits to total assets | 90.6688% | 568 |
| Equity capital to assets | 8.8041% | 5,593 |
| Core capital (leverage) ratio | 7.2862% | 7,263 |
| Tier 1 risk-based capital ratio | 11.7981% | 5,107 |
| Total risk-based capital ratio | 13.0545% | 5,010 |
| Memoranda: | ||
| Average total assets | $44,725,670 | 7,030 |
| Average earning assets | $41,684,670 | 6,985 |
| Average equity | $3,409,000 | 7,603 |
| Average total loans | $27,118,000 | 6,914 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9669% | 7,021 |
| Cost of funding earning assets | 2.2437% | 2,943 |
| Net interest margin | 2.7232% | 7,152 |
| Noninterest income to average assets | 0.4349% | 4,919 |
| Noninterest expense to average assets | 2.6009% | 5,443 |
| Loan and lease loss provision to assets | 0.0753% | 6,016 |
| Net operating income to assets | 0.2342% | 5,552 |
| Return on assets (ROA) | 0.2342% | 5,714 |
| Pretax return on assets | 0.2760% | 5,746 |
| Return on Equity (ROE) | 3.2768% | 5,252 |
| Retained earnings to average equity (ytd only) | 3.2768% | 4,053 |
| Net charge-offs to loans | -0.0298% | 7,552 |
| Credit loss provision to net charge-offs | -450.0000% | 6,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1020% | 1,887 |
| Assets per employee ($millions) | 4.8604% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 3,267 |
| Loan loss allowance to noncurrent loans | 687.7193% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 7,238 |
| Noncurrent loans to loans | 0.2098% | 6,931 |
| Net loans and leases to total assets | 55.0819% | 6,345 |
| Net loans and leases to deposits | 59.5728% | 6,930 |
| Net loans and leases to core deposits | 74.0438% | 6,805 |
| Total domestic deposits to total assets | 92.4615% | 127 |
| Equity capital to assets | 7.0056% | 7,678 |
| Core capital (leverage) ratio | 7.8934% | 6,631 |
| Tier 1 risk-based capital ratio | 11.2462% | 5,651 |
| Total risk-based capital ratio | 12.4958% | 5,564 |
| Memoranda: | ||
| Average total assets | $47,830,500 | 6,953 |
| Average earning assets | $44,213,000 | 6,923 |
| Average equity | $3,418,000 | 7,648 |
| Average total loans | $26,837,000 | 6,949 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0321% | 5,405 |
| Cost of funding earning assets | 2.5305% | 4,044 |
| Net interest margin | 3.5016% | 5,293 |
| Noninterest income to average assets | 0.6669% | 3,361 |
| Noninterest expense to average assets | 3.0220% | 4,001 |
| Loan and lease loss provision to assets | 0.3818% | 3,409 |
| Net operating income to assets | 0.4033% | 5,133 |
| Return on assets (ROA) | 0.4413% | 4,810 |
| Pretax return on assets | 0.6049% | 4,676 |
| Return on Equity (ROE) | 5.2169% | 4,275 |
| Retained earnings to average equity (ytd only) | 0.3517% | 5,031 |
| Net charge-offs to loans | 0.2416% | 3,845 |
| Credit loss provision to net charge-offs | 256.6667% | 1,808 |
| Earnings coverage of net charge-offs (x) | 6.2833% | 3,397 |
| Efficiency ratio | 76.3784% | 3,174 |
| Assets per employee ($millions) | 4.7057% | 2,314 |
| Cash dividends to net income (ytd only)* | 93.2584% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 2,989 |
| Loan loss allowance to noncurrent loans | 322.8814% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 6,578 |
| Noncurrent loans to loans | 0.4451% | 6,021 |
| Net loans and leases to total assets | 55.5263% | 6,483 |
| Net loans and leases to deposits | 60.2481% | 7,065 |
| Net loans and leases to core deposits | 76.9972% | 6,797 |
| Total domestic deposits to total assets | 92.1627% | 112 |
| Equity capital to assets | 7.2912% | 7,565 |
| Core capital (leverage) ratio | 8.3008% | 5,948 |
| Tier 1 risk-based capital ratio | 11.5756% | 5,171 |
| Total risk-based capital ratio | 12.9040% | 4,988 |
| Memoranda: | ||
| Average total assets | $40,337,400 | 7,201 |
| Average earning assets | $37,897,200 | 7,148 |
| Average equity | $3,412,000 | 7,717 |
| Average total loans | $24,829,800 | 7,034 |