Home > State Bank of Hamburg > Performance and Condition Ratios
State Bank of Hamburg, Performance and Condition Ratios
| 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 | 3.6354% | 4,903 |
| Cost of funding earning assets | 0.5366% | 3,945 |
| Net interest margin | 3.0987% | 4,537 |
| Noninterest income to average assets | 0.5964% | 2,172 |
| Noninterest expense to average assets | 3.3331% | 1,226 |
| Loan and lease loss provision to assets | 0.0245% | 3,315 |
| Net operating income to assets | 0.1470% | 5,031 |
| Return on assets (ROA) | 0.1470% | 5,041 |
| Pretax return on assets | 0.1634% | 5,040 |
| Return on Equity (ROE) | 1.8018% | 4,964 |
| Retained earnings to average equity (ytd only) | 1.8018% | 4,174 |
| 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 | 94.6636% | 220 |
| Assets per employee ($millions) | 4.4984% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,250 |
| Loan loss allowance to noncurrent loans | 1,528.5714% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 4,620 |
| Noncurrent loans to loans | 0.0699% | 4,367 |
| Net loans and leases to total assets | 44.0779% | 4,724 |
| Net loans and leases to deposits | 48.8832% | 4,832 |
| Net loans and leases to core deposits | 49.6594% | 4,873 |
| Total domestic deposits to total assets | 90.1698% | 296 |
| Equity capital to assets | 9.3367% | 4,544 |
| Core capital (leverage) ratio | 8.8800% | 4,732 |
| Tier 1 risk-based capital ratio | 18.6603% | 1,631 |
| Total risk-based capital ratio | 19.6263% | 1,664 |
| Memoranda: | ||
| Average total assets | $24,482,000 | 5,203 |
| Average earning assets | $23,106,330 | 5,186 |
| Average equity | $1,998,000 | 5,258 |
| Average total loans | $10,505,000 | 5,176 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6354% | 4,927 |
| Cost of funding earning assets | 0.5193% | 3,977 |
| Net interest margin | 3.1160% | 4,561 |
| Noninterest income to average assets | 0.2198% | 4,436 |
| Noninterest expense to average assets | 2.5121% | 3,469 |
| Loan and lease loss provision to assets | 0.0314% | 2,993 |
| Net operating income to assets | 0.5809% | 4,299 |
| Return on assets (ROA) | 0.5809% | 4,334 |
| Pretax return on assets | 0.5966% | 4,521 |
| Return on Equity (ROE) | 7.6014% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.6014% | 1,803 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,065 |
| Assets per employee ($millions) | 4.9216% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,712 |
| Loan loss allowance to noncurrent loans | 1,188.8889% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 4,657 |
| Noncurrent loans to loans | 0.0841% | 4,378 |
| Net loans and leases to total assets | 43.0673% | 4,784 |
| Net loans and leases to deposits | 47.0186% | 4,899 |
| Net loans and leases to core deposits | 47.6850% | 4,942 |
| Total domestic deposits to total assets | 91.5962% | 88 |
| Equity capital to assets | 8.2981% | 5,084 |
| Core capital (leverage) ratio | 8.2444% | 5,122 |
| Tier 1 risk-based capital ratio | 16.9623% | 2,117 |
| Total risk-based capital ratio | 17.8327% | 2,192 |
| Memoranda: | ||
| Average total assets | $25,477,000 | 5,249 |
| Average earning assets | $23,876,500 | 5,230 |
| Average equity | $1,947,000 | 5,316 |
| Average total loans | $10,747,000 | 5,231 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5138% | 4,899 |
| Cost of funding earning assets | 0.4371% | 3,758 |
| Net interest margin | 3.0767% | 4,682 |
| Noninterest income to average assets | 0.2081% | 4,673 |
| Noninterest expense to average assets | 2.5993% | 3,335 |
| Loan and lease loss provision to assets | 0.0236% | 3,700 |
| Net operating income to assets | 0.4437% | 4,779 |
| Return on assets (ROA) | 0.4437% | 4,775 |
| Pretax return on assets | 0.4594% | 4,857 |
| Return on Equity (ROE) | 6.5644% | 3,984 |
| Retained earnings to average equity (ytd only) | 6.5644% | 1,889 |
| Net charge-offs to loans | 0.0552% | 2,355 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,997 |
| Efficiency ratio | 84.3312% | 633 |
| Assets per employee ($millions) | 5.2692% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 3,846 |
| Loan loss allowance to noncurrent loans | 1,050.0000% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 4,655 |
| Noncurrent loans to loans | 0.0927% | 4,333 |
| Net loans and leases to total assets | 40.5526% | 4,923 |
| Net loans and leases to deposits | 43.6973% | 5,033 |
| Net loans and leases to core deposits | 44.2640% | 5,074 |
| Total domestic deposits to total assets | 92.8035% | 42 |
| Equity capital to assets | 7.0295% | 5,331 |
| Core capital (leverage) ratio | 7.8099% | 5,280 |
| Tier 1 risk-based capital ratio | 16.2102% | 2,341 |
| Total risk-based capital ratio | 17.0413% | 2,418 |
| Memoranda: | ||
| Average total assets | $25,468,000 | 5,295 |
| Average earning assets | $23,791,600 | 5,272 |
| Average equity | $1,721,400 | 5,374 |
| Average total loans | $10,864,200 | 5,270 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4658% | 4,963 |
| Cost of funding earning assets | 0.4121% | 3,775 |
| Net interest margin | 3.0538% | 4,777 |
| Noninterest income to average assets | 0.2060% | 4,730 |
| Noninterest expense to average assets | 2.5295% | 3,503 |
| Loan and lease loss provision to assets | 0.0264% | 3,482 |
| Net operating income to assets | 0.4911% | 4,776 |
| Return on assets (ROA) | 0.4911% | 4,783 |
| Pretax return on assets | 0.5070% | 4,897 |
| Return on Equity (ROE) | 7.3427% | 3,801 |
| Retained earnings to average equity (ytd only) | 7.3427% | 1,952 |
| Net charge-offs to loans | 0.0735% | 1,795 |
| Credit loss provision to net charge-offs | 83.3333% | 2,491 |
| Earnings coverage of net charge-offs (x) | 16.8325% | 2,140 |
| Efficiency ratio | 82.5862% | 737 |
| Assets per employee ($millions) | 5.0414% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 4,221 |
| Loan loss allowance to noncurrent loans | 866.6667% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 4,734 |
| Noncurrent loans to loans | 0.1052% | 4,412 |
| Net loans and leases to total assets | 44.8368% | 4,846 |
| Net loans and leases to deposits | 48.2620% | 5,006 |
| Net loans and leases to core deposits | 48.9137% | 5,045 |
| Total domestic deposits to total assets | 92.9028% | 40 |
| Equity capital to assets | 6.9266% | 5,394 |
| Core capital (leverage) ratio | 8.1505% | 5,275 |
| Tier 1 risk-based capital ratio | 16.4918% | 2,275 |
| Total risk-based capital ratio | 17.3376% | 2,356 |
| Memoranda: | ||
| Average total assets | $25,248,500 | 5,364 |
| Average earning assets | $23,620,750 | 5,346 |
| Average equity | $1,688,750 | 5,446 |
| Average total loans | $10,883,000 | 5,332 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4273% | 5,006 |
| Cost of funding earning assets | 0.3883% | 3,822 |
| Net interest margin | 3.0390% | 4,820 |
| Noninterest income to average assets | 0.2058% | 4,781 |
| Noninterest expense to average assets | 2.5413% | 3,510 |
| Loan and lease loss provision to assets | 0.0238% | 3,447 |
| Net operating income to assets | 0.4750% | 4,809 |
| Return on assets (ROA) | 0.4750% | 4,815 |
| Pretax return on assets | 0.4908% | 4,922 |
| Return on Equity (ROE) | 7.1870% | 3,838 |
| Retained earnings to average equity (ytd only) | 7.1870% | 1,986 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1606% | 746 |
| Assets per employee ($millions) | 4.7640% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 3,984 |
| Loan loss allowance to noncurrent loans | 830.7692% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 4,756 |
| Noncurrent loans to loans | 0.1173% | 4,382 |
| Net loans and leases to total assets | 46.0537% | 4,825 |
| Net loans and leases to deposits | 49.7777% | 4,989 |
| Net loans and leases to core deposits | 50.4878% | 5,032 |
| Total domestic deposits to total assets | 92.5189% | 50 |
| Equity capital to assets | 7.3342% | 5,414 |
| Core capital (leverage) ratio | 8.1542% | 5,290 |
| Tier 1 risk-based capital ratio | 15.7658% | 2,532 |
| Total risk-based capital ratio | 16.6193% | 2,631 |
| Memoranda: | ||
| Average total assets | $25,262,330 | 5,427 |
| Average earning assets | $23,692,000 | 5,405 |
| Average equity | $1,669,670 | 5,509 |
| Average total loans | $10,708,670 | 5,395 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3470% | 5,075 |
| Cost of funding earning assets | 0.3792% | 3,740 |
| Net interest margin | 2.9678% | 4,920 |
| Noninterest income to average assets | 0.2001% | 4,825 |
| Noninterest expense to average assets | 2.5093% | 3,611 |
| Loan and lease loss provision to assets | 0.0154% | 3,329 |
| Net operating income to assets | 0.4310% | 4,860 |
| Return on assets (ROA) | 0.4310% | 4,867 |
| Pretax return on assets | 0.4464% | 4,963 |
| Return on Equity (ROE) | 6.8670% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.8670% | 2,341 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4560% | 765 |
| Assets per employee ($millions) | 4.2230% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 3,810 |
| Loan loss allowance to noncurrent loans | 757.1429% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 4,820 |
| Noncurrent loans to loans | 0.1354% | 4,361 |
| Net loans and leases to total assets | 40.3741% | 5,054 |
| Net loans and leases to deposits | 43.1391% | 5,183 |
| Net loans and leases to core deposits | 43.7086% | 5,217 |
| Total domestic deposits to total assets | 93.5907% | 23 |
| Equity capital to assets | 6.2515% | 5,560 |
| Core capital (leverage) ratio | 6.9106% | 5,549 |
| Tier 1 risk-based capital ratio | 16.2908% | 2,359 |
| Total risk-based capital ratio | 17.2432% | 2,412 |
| Memoranda: | ||
| Average total assets | $25,983,500 | 5,480 |
| Average earning assets | $24,260,500 | 5,460 |
| Average equity | $1,631,000 | 5,573 |
| Average total loans | $10,524,000 | 5,464 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2711% | 5,120 |
| Cost of funding earning assets | 0.3584% | 3,630 |
| Net interest margin | 2.9127% | 5,027 |
| Noninterest income to average assets | -0.5593% | 5,663 |
| Noninterest expense to average assets | 2.8288% | 2,682 |
| Loan and lease loss provision to assets | 0.0243% | 3,812 |
| Net operating income to assets | -0.8187% | 5,568 |
| Return on assets (ROA) | -0.8187% | 5,568 |
| Pretax return on assets | -0.8106% | 5,579 |
| Return on Equity (ROE) | -12.2172% | 5,609 |
| Retained earnings to average equity (ytd only) | -12.2172% | 5,565 |
| Net charge-offs to loans | 0.0098% | 3,743 |
| Credit loss provision to net charge-offs | 600.0000% | 539 |
| Earnings coverage of net charge-offs (x) | -194.0000% | 4,123 |
| Efficiency ratio | 138.4921% | 34 |
| Assets per employee ($millions) | 4.4382% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 4,051 |
| Loan loss allowance to noncurrent loans | 656.2500% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 4,821 |
| Noncurrent loans to loans | 0.1494% | 4,327 |
| Net loans and leases to total assets | 39.8325% | 5,138 |
| Net loans and leases to deposits | 42.5574% | 5,280 |
| Net loans and leases to core deposits | 43.5391% | 5,306 |
| Total domestic deposits to total assets | 93.5972% | 19 |
| Equity capital to assets | 6.3014% | 5,625 |
| Core capital (leverage) ratio | 6.8467% | 5,608 |
| Tier 1 risk-based capital ratio | 13.5638% | 3,594 |
| Total risk-based capital ratio | 14.3617% | 3,755 |
| Memoranda: | ||
| Average total assets | $24,674,400 | 5,549 |
| Average earning assets | $22,041,400 | 5,542 |
| Average equity | $1,653,400 | 5,635 |
| Average total loans | $10,196,200 | 5,537 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3362% | 5,062 |
| Cost of funding earning assets | 0.3617% | 3,540 |
| Net interest margin | 2.9745% | 4,974 |
| Noninterest income to average assets | -0.4245% | 5,730 |
| Noninterest expense to average assets | 2.8776% | 2,482 |
| Loan and lease loss provision to assets | 0.0220% | 3,704 |
| Net operating income to assets | -0.7056% | 5,650 |
| Return on assets (ROA) | -0.7056% | 5,650 |
| Pretax return on assets | -0.6946% | 5,643 |
| Return on Equity (ROE) | -10.3603% | 5,673 |
| Retained earnings to average equity (ytd only) | -10.3603% | 5,610 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.5000% | 48 |
| Assets per employee ($millions) | 4.3705% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,792 |
| Loan loss allowance to noncurrent loans | 577.7778% | 917 |
| Noncurrent assets plus other real estate owned to assets | 1.8266% | 747 |
| Noncurrent loans to loans | 0.1818% | 4,337 |
| Net loans and leases to total assets | 37.3680% | 5,291 |
| Net loans and leases to deposits | 40.1911% | 5,417 |
| Net loans and leases to core deposits | 41.1360% | 5,436 |
| Total domestic deposits to total assets | 92.9756% | 26 |
| Equity capital to assets | 6.5057% | 5,689 |
| Core capital (leverage) ratio | 7.2695% | 5,644 |
| Tier 1 risk-based capital ratio | 13.8876% | 3,497 |
| Total risk-based capital ratio | 14.7205% | 3,639 |
| Memoranda: | ||
| Average total assets | $24,185,750 | 5,618 |
| Average earning assets | $21,381,000 | 5,615 |
| Average equity | $1,647,250 | 5,702 |
| Average total loans | $10,067,250 | 5,596 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4107% | 4,957 |
| Cost of funding earning assets | 0.3641% | 3,437 |
| Net interest margin | 3.0466% | 4,801 |
| Noninterest income to average assets | -0.7572% | 5,782 |
| Noninterest expense to average assets | 2.9779% | 2,177 |
| Loan and lease loss provision to assets | 0.0255% | 3,489 |
| Net operating income to assets | -1.0720% | 5,721 |
| Return on assets (ROA) | -1.0720% | 5,721 |
| Pretax return on assets | -1.0550% | 5,715 |
| Return on Equity (ROE) | -15.4823% | 5,742 |
| Retained earnings to average equity (ytd only) | -15.4823% | 5,704 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.8384% | 23 |
| Assets per employee ($millions) | 4.5658% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 3,997 |
| Loan loss allowance to noncurrent loans | 542.1053% | 960 |
| Noncurrent assets plus other real estate owned to assets | 2.1026% | 585 |
| Noncurrent loans to loans | 0.1890% | 4,361 |
| Net loans and leases to total assets | 43.5937% | 5,063 |
| Net loans and leases to deposits | 47.3995% | 5,231 |
| Net loans and leases to core deposits | 48.6960% | 5,261 |
| Total domestic deposits to total assets | 91.9707% | 74 |
| Equity capital to assets | 7.4817% | 5,657 |
| Core capital (leverage) ratio | 7.6456% | 5,622 |
| Tier 1 risk-based capital ratio | 14.7343% | 3,044 |
| Total risk-based capital ratio | 15.6086% | 3,161 |
| Memoranda: | ||
| Average total assets | $23,506,670 | 5,674 |
| Average earning assets | $20,875,670 | 5,666 |
| Average equity | $1,627,670 | 5,754 |
| Average total loans | $10,122,000 | 5,642 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4281% | 4,877 |
| Cost of funding earning assets | 0.3390% | 3,645 |
| Net interest margin | 3.0891% | 4,684 |
| Noninterest income to average assets | 0.2181% | 4,966 |
| Noninterest expense to average assets | 2.9859% | 2,197 |
| Loan and lease loss provision to assets | 0.0335% | 3,114 |
| Net operating income to assets | -0.0671% | 5,634 |
| Return on assets (ROA) | -0.0671% | 5,641 |
| Pretax return on assets | -0.0503% | 5,620 |
| Return on Equity (ROE) | -1.0079% | 5,656 |
| Retained earnings to average equity (ytd only) | -1.0079% | 5,068 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5650% | 214 |
| Assets per employee ($millions) | 3.8773% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 4,266 |
| Loan loss allowance to noncurrent loans | 480.9524% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 3.9890% | 188 |
| Noncurrent loans to loans | 0.2083% | 4,368 |
| Net loans and leases to total assets | 42.8989% | 5,113 |
| Net loans and leases to deposits | 46.3776% | 5,288 |
| Net loans and leases to core deposits | 47.6122% | 5,315 |
| Total domestic deposits to total assets | 92.4991% | 59 |
| Equity capital to assets | 6.9721% | 5,758 |
| Core capital (leverage) ratio | 7.1545% | 5,758 |
| Tier 1 risk-based capital ratio | 15.2869% | 2,840 |
| Total risk-based capital ratio | 16.1908% | 2,925 |
| Memoranda: | ||
| Average total assets | $23,845,500 | 5,737 |
| Average earning assets | $21,236,000 | 5,729 |
| Average equity | $1,587,500 | 5,821 |
| Average total loans | $10,155,500 | 5,709 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1037% | 5,399 |
| Cost of funding earning assets | 0.3459% | 3,568 |
| Net interest margin | 2.7578% | 5,347 |
| Noninterest income to average assets | 0.1800% | 5,323 |
| Noninterest expense to average assets | 2.9264% | 2,582 |
| Loan and lease loss provision to assets | 0.0214% | 3,941 |
| Net operating income to assets | -0.2742% | 5,734 |
| Return on assets (ROA) | -0.2485% | 5,739 |
| Pretax return on assets | -0.2485% | 5,727 |
| Return on Equity (ROE) | -3.3670% | 5,764 |
| Retained earnings to average equity (ytd only) | -3.3670% | 5,604 |
| Net charge-offs to loans | 0.0820% | 2,515 |
| Credit loss provision to net charge-offs | 62.5000% | 3,211 |
| Earnings coverage of net charge-offs (x) | -7.3750% | 4,230 |
| Efficiency ratio | 109.4551% | 131 |
| Assets per employee ($millions) | 4.0712% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 4,452 |
| Loan loss allowance to noncurrent loans | 454.5455% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 3.8032% | 209 |
| Noncurrent loans to loans | 0.2151% | 4,381 |
| Net loans and leases to total assets | 41.4705% | 5,254 |
| Net loans and leases to deposits | 44.5040% | 5,416 |
| Net loans and leases to core deposits | 44.5040% | 5,474 |
| Total domestic deposits to total assets | 93.1838% | 36 |
| Equity capital to assets | 6.3577% | 5,842 |
| Core capital (leverage) ratio | 7.0569% | 5,805 |
| Tier 1 risk-based capital ratio | 14.6212% | 3,137 |
| Total risk-based capital ratio | 15.4753% | 3,265 |
| Memoranda: | ||
| Average total assets | $23,339,600 | 5,798 |
| Average earning assets | $21,104,000 | 5,783 |
| Average equity | $1,722,600 | 5,869 |
| Average total loans | $9,754,000 | 5,772 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1316% | 5,440 |
| Cost of funding earning assets | 0.3508% | 3,528 |
| Net interest margin | 2.7808% | 5,384 |
| Noninterest income to average assets | 0.1850% | 5,353 |
| Noninterest expense to average assets | 2.9478% | 2,469 |
| Loan and lease loss provision to assets | 0.0289% | 3,660 |
| Net operating income to assets | -0.2717% | 5,815 |
| Return on assets (ROA) | -0.2370% | 5,817 |
| Pretax return on assets | -0.2370% | 5,803 |
| Return on Equity (ROE) | -3.0975% | 5,838 |
| Retained earnings to average equity (ytd only) | -3.0975% | 5,657 |
| Net charge-offs to loans | 0.1107% | 1,835 |
| Credit loss provision to net charge-offs | 62.5000% | 2,880 |
| Earnings coverage of net charge-offs (x) | -5.2484% | 3,901 |
| Efficiency ratio | 108.9744% | 127 |
| Assets per employee ($millions) | 3.9712% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 4,012 |
| Loan loss allowance to noncurrent loans | 434.7826% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 3.8738% | 222 |
| Noncurrent loans to loans | 0.2464% | 4,385 |
| Net loans and leases to total assets | 38.7544% | 5,441 |
| Net loans and leases to deposits | 42.1759% | 5,576 |
| Net loans and leases to core deposits | 43.2749% | 5,603 |
| Total domestic deposits to total assets | 91.8874% | 82 |
| Equity capital to assets | 7.5796% | 5,835 |
| Core capital (leverage) ratio | 7.8719% | 5,731 |
| Tier 1 risk-based capital ratio | 15.9609% | 2,640 |
| Total risk-based capital ratio | 16.8835% | 2,706 |
| Memoranda: | ||
| Average total assets | $23,067,750 | 5,863 |
| Average earning assets | $20,904,750 | 5,850 |
| Average equity | $1,765,000 | 5,932 |
| Average total loans | $9,635,000 | 5,837 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1252% | 5,519 |
| Cost of funding earning assets | 0.3504% | 3,562 |
| Net interest margin | 2.7748% | 5,465 |
| Noninterest income to average assets | 0.2016% | 5,289 |
| Noninterest expense to average assets | 3.0068% | 2,320 |
| Loan and lease loss provision to assets | 0.0351% | 3,451 |
| Net operating income to assets | -0.2718% | 5,869 |
| Return on assets (ROA) | -0.2192% | 5,867 |
| Pretax return on assets | -0.2192% | 5,861 |
| Return on Equity (ROE) | -2.8550% | 5,893 |
| Retained earnings to average equity (ytd only) | -2.8550% | 5,616 |
| Net charge-offs to loans | 0.2054% | 1,129 |
| Credit loss provision to net charge-offs | 40.0000% | 2,765 |
| Earnings coverage of net charge-offs (x) | -2.7000% | 3,610 |
| Efficiency ratio | 108.5443% | 151 |
| Assets per employee ($millions) | 3.4970% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 4,644 |
| Loan loss allowance to noncurrent loans | 10.0307% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 4.6802% | 165 |
| Noncurrent loans to loans | 9.7195% | 41 |
| Net loans and leases to total assets | 47.4407% | 5,039 |
| Net loans and leases to deposits | 52.2026% | 5,241 |
| Net loans and leases to core deposits | 53.0512% | 5,319 |
| Total domestic deposits to total assets | 90.8779% | 214 |
| Equity capital to assets | 8.5454% | 5,572 |
| Core capital (leverage) ratio | 8.1257% | 5,653 |
| Tier 1 risk-based capital ratio | 14.6737% | 3,217 |
| Total risk-based capital ratio | 15.4978% | 3,390 |
| Memoranda: | ||
| Average total assets | $22,814,670 | 5,938 |
| Average earning assets | $21,118,330 | 5,917 |
| Average equity | $1,751,330 | 6,009 |
| Average total loans | $9,735,330 | 5,909 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9944% | 5,694 |
| Cost of funding earning assets | 0.3448% | 3,660 |
| Net interest margin | 2.6495% | 5,665 |
| Noninterest income to average assets | 0.2191% | 5,166 |
| Noninterest expense to average assets | 2.8317% | 2,949 |
| Loan and lease loss provision to assets | 0.0337% | 3,208 |
| Net operating income to assets | -0.1854% | 5,881 |
| Return on assets (ROA) | -0.0843% | 5,854 |
| Pretax return on assets | -0.0843% | 5,854 |
| Return on Equity (ROE) | -1.1557% | 5,877 |
| Retained earnings to average equity (ytd only) | -1.1557% | 5,299 |
| Net charge-offs to loans | 0.4177% | 539 |
| Credit loss provision to net charge-offs | 20.0000% | 2,294 |
| Earnings coverage of net charge-offs (x) | -0.9000% | 3,006 |
| Efficiency ratio | 105.6604% | 198 |
| Assets per employee ($millions) | 3.8860% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 4,587 |
| Loan loss allowance to noncurrent loans | 10.3037% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 3.9758% | 255 |
| Noncurrent loans to loans | 9.7422% | 44 |
| Net loans and leases to total assets | 40.1827% | 5,446 |
| Net loans and leases to deposits | 43.6885% | 5,607 |
| Net loans and leases to core deposits | 47.7037% | 5,523 |
| Total domestic deposits to total assets | 91.9755% | 112 |
| Equity capital to assets | 7.5056% | 5,946 |
| Core capital (leverage) ratio | 7.4634% | 5,930 |
| Tier 1 risk-based capital ratio | 15.8485% | 2,760 |
| Total risk-based capital ratio | 16.7011% | 2,880 |
| Memoranda: | ||
| Average total assets | $23,731,000 | 5,987 |
| Average earning assets | $22,041,500 | 5,968 |
| Average equity | $1,730,500 | 6,069 |
| Average total loans | $9,577,000 | 5,970 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2208% | 5,489 |
| Cost of funding earning assets | 0.3505% | 3,697 |
| Net interest margin | 2.8703% | 5,386 |
| Noninterest income to average assets | 0.2293% | 5,220 |
| Noninterest expense to average assets | 2.9937% | 2,569 |
| Loan and lease loss provision to assets | 0.0265% | 3,862 |
| Net operating income to assets | -0.1455% | 5,945 |
| Return on assets (ROA) | -0.0926% | 5,939 |
| Pretax return on assets | -0.0661% | 5,916 |
| Return on Equity (ROE) | -1.2543% | 5,948 |
| Retained earnings to average equity (ytd only) | -1.2543% | 5,688 |
| Net charge-offs to loans | 0.1967% | 1,486 |
| Credit loss provision to net charge-offs | 31.5789% | 3,632 |
| Earnings coverage of net charge-offs (x) | -1.1053% | 4,335 |
| Efficiency ratio | 103.1915% | 228 |
| Assets per employee ($millions) | 4.0243% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 4,245 |
| Loan loss allowance to noncurrent loans | 332.2581% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 4,993 |
| Noncurrent loans to loans | 0.3199% | 4,311 |
| Net loans and leases to total assets | 39.7043% | 5,531 |
| Net loans and leases to deposits | 42.9467% | 5,682 |
| Net loans and leases to core deposits | 46.7225% | 5,615 |
| Total domestic deposits to total assets | 92.4501% | 74 |
| Equity capital to assets | 7.0861% | 6,044 |
| Core capital (leverage) ratio | 7.2887% | 6,016 |
| Tier 1 risk-based capital ratio | 17.3662% | 2,161 |
| Total risk-based capital ratio | 18.3762% | 2,194 |
| Memoranda: | ||
| Average total assets | $22,681,200 | 6,064 |
| Average earning assets | $21,112,800 | 6,043 |
| Average equity | $1,674,200 | 6,131 |
| Average total loans | $9,659,200 | 6,022 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2482% | 5,512 |
| Cost of funding earning assets | 0.3531% | 3,722 |
| Net interest margin | 2.8952% | 5,426 |
| Noninterest income to average assets | 0.2450% | 5,182 |
| Noninterest expense to average assets | 3.0054% | 2,507 |
| Loan and lease loss provision to assets | 0.0299% | 3,638 |
| Net operating income to assets | -0.1255% | 6,018 |
| Return on assets (ROA) | -0.0538% | 6,000 |
| Pretax return on assets | -0.0239% | 5,982 |
| Return on Equity (ROE) | -0.7207% | 6,011 |
| Retained earnings to average equity (ytd only) | -0.7207% | 5,722 |
| Net charge-offs to loans | 0.2763% | 966 |
| Credit loss provision to net charge-offs | 25.0000% | 3,323 |
| Earnings coverage of net charge-offs (x) | -0.5501% | 4,029 |
| Efficiency ratio | 102.2358% | 253 |
| Assets per employee ($millions) | 3.8737% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 4,736 |
| Loan loss allowance to noncurrent loans | 315.6250% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 5,127 |
| Noncurrent loans to loans | 0.3174% | 4,457 |
| Net loans and leases to total assets | 42.9438% | 5,427 |
| Net loans and leases to deposits | 46.5749% | 5,628 |
| Net loans and leases to core deposits | 50.0803% | 5,575 |
| Total domestic deposits to total assets | 92.2038% | 84 |
| Equity capital to assets | 7.1982% | 6,120 |
| Core capital (leverage) ratio | 7.3378% | 6,083 |
| Tier 1 risk-based capital ratio | 15.6675% | 2,962 |
| Total risk-based capital ratio | 16.6077% | 3,045 |
| Memoranda: | ||
| Average total assets | $22,315,000 | 6,152 |
| Average earning assets | $20,769,750 | 6,131 |
| Average equity | $1,665,000 | 6,218 |
| Average total loans | $9,651,500 | 6,102 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2995% | 5,437 |
| Cost of funding earning assets | 0.3427% | 3,892 |
| Net interest margin | 2.9568% | 5,325 |
| Noninterest income to average assets | 0.2181% | 5,393 |
| Noninterest expense to average assets | 3.0537% | 2,391 |
| Loan and lease loss provision to assets | 0.0273% | 3,589 |
| Net operating income to assets | -0.1454% | 6,073 |
| Return on assets (ROA) | -0.1454% | 6,102 |
| Pretax return on assets | -0.1181% | 6,075 |
| Return on Equity (ROE) | -1.9250% | 6,125 |
| Retained earnings to average equity (ytd only) | -1.9250% | 5,820 |
| Net charge-offs to loans | 0.3997% | 649 |
| Credit loss provision to net charge-offs | 15.7895% | 3,055 |
| Earnings coverage of net charge-offs (x) | -0.5263% | 3,750 |
| Efficiency ratio | 103.0675% | 268 |
| Assets per employee ($millions) | 3.5903% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 4,647 |
| Loan loss allowance to noncurrent loans | 294.1176% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 5,141 |
| Noncurrent loans to loans | 0.3542% | 4,433 |
| Net loans and leases to total assets | 44.0999% | 5,373 |
| Net loans and leases to deposits | 48.0162% | 5,598 |
| Net loans and leases to core deposits | 52.8306% | 5,492 |
| Total domestic deposits to total assets | 91.8438% | 140 |
| Equity capital to assets | 7.5295% | 6,111 |
| Core capital (leverage) ratio | 7.5400% | 6,090 |
| Tier 1 risk-based capital ratio | 16.7082% | 2,521 |
| Total risk-based capital ratio | 17.7057% | 2,588 |
| Memoranda: | ||
| Average total assets | $22,006,000 | 6,229 |
| Average earning assets | $20,427,330 | 6,210 |
| Average equity | $1,662,330 | 6,295 |
| Average total loans | $9,508,000 | 6,174 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2951% | 5,461 |
| Cost of funding earning assets | 0.3510% | 3,850 |
| Net interest margin | 2.9441% | 5,362 |
| Noninterest income to average assets | 0.2338% | 5,289 |
| Noninterest expense to average assets | 3.0938% | 2,292 |
| Loan and lease loss provision to assets | 0.0360% | 3,180 |
| Net operating income to assets | -0.2158% | 6,152 |
| Return on assets (ROA) | -0.2158% | 6,175 |
| Pretax return on assets | -0.1799% | 6,149 |
| Return on Equity (ROE) | -2.8529% | 6,212 |
| Retained earnings to average equity (ytd only) | -2.8529% | 5,777 |
| Net charge-offs to loans | 0.0845% | 1,867 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | -4.0000% | 3,224 |
| Efficiency ratio | 104.8780% | 258 |
| Assets per employee ($millions) | 3.6093% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 4,043 |
| Loan loss allowance to noncurrent loans | 33.6232% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 1.6162% | 1,580 |
| Noncurrent loans to loans | 3.5352% | 540 |
| Net loans and leases to total assets | 44.5281% | 5,311 |
| Net loans and leases to deposits | 49.9275% | 5,462 |
| Net loans and leases to core deposits | 50.7206% | 5,557 |
| Total domestic deposits to total assets | 89.1854% | 1,151 |
| Equity capital to assets | 7.8546% | 6,086 |
| Core capital (leverage) ratio | 7.7320% | 6,052 |
| Tier 1 risk-based capital ratio | 17.1814% | 2,412 |
| Total risk-based capital ratio | 18.3678% | 2,393 |
| Memoranda: | ||
| Average total assets | $22,238,000 | 6,293 |
| Average earning assets | $20,515,500 | 6,275 |
| Average equity | $1,682,500 | 6,357 |
| Average total loans | $9,462,000 | 6,242 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5456% | 5,213 |
| Cost of funding earning assets | 0.4249% | 3,435 |
| Net interest margin | 3.1208% | 5,152 |
| Noninterest income to average assets | 0.1685% | 5,847 |
| Noninterest expense to average assets | 3.1427% | 2,385 |
| Loan and lease loss provision to assets | 0.0273% | 4,060 |
| Net operating income to assets | -0.2186% | 6,213 |
| Return on assets (ROA) | -0.2186% | 6,212 |
| Pretax return on assets | -0.1913% | 6,185 |
| Return on Equity (ROE) | -2.9116% | 6,244 |
| Retained earnings to average equity (ytd only) | -2.9116% | 6,085 |
| Net charge-offs to loans | 0.7224% | 506 |
| Credit loss provision to net charge-offs | 8.2192% | 4,121 |
| Earnings coverage of net charge-offs (x) | -0.4932% | 4,765 |
| Efficiency ratio | 105.5046% | 268 |
| Assets per employee ($millions) | 3.8033% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 3,616 |
| Loan loss allowance to noncurrent loans | 48.3333% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.0736% | 2,600 |
| Noncurrent loans to loans | 2.6187% | 948 |
| Net loans and leases to total assets | 39.6538% | 5,768 |
| Net loans and leases to deposits | 43.0392% | 5,924 |
| Net loans and leases to core deposits | 43.6665% | 5,966 |
| Total domestic deposits to total assets | 92.1341% | 134 |
| Equity capital to assets | 7.2918% | 6,282 |
| Core capital (leverage) ratio | 7.4705% | 6,209 |
| Tier 1 risk-based capital ratio | 18.8566% | 1,891 |
| Total risk-based capital ratio | 20.1048% | 1,852 |
| Memoranda: | ||
| Average total assets | $21,955,800 | 6,386 |
| Average earning assets | $19,770,800 | 6,372 |
| Average equity | $1,648,600 | 6,445 |
| Average total loans | $10,105,600 | 6,312 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6093% | 5,116 |
| Cost of funding earning assets | 0.4375% | 3,391 |
| Net interest margin | 3.1718% | 5,052 |
| Noninterest income to average assets | 0.3067% | 4,987 |
| Noninterest expense to average assets | 3.1156% | 2,425 |
| Loan and lease loss provision to assets | 0.0184% | 4,040 |
| Net operating income to assets | -0.0123% | 6,151 |
| Return on assets (ROA) | -0.0123% | 6,167 |
| Pretax return on assets | 0.0184% | 6,132 |
| Return on Equity (ROE) | -0.1623% | 6,169 |
| Retained earnings to average equity (ytd only) | -0.1623% | 5,826 |
| Net charge-offs to loans | 0.9284% | 346 |
| Credit loss provision to net charge-offs | 4.1667% | 3,764 |
| Earnings coverage of net charge-offs (x) | 0.0833% | 4,438 |
| Efficiency ratio | 98.8327% | 405 |
| Assets per employee ($millions) | 3.6260% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 4,595 |
| Loan loss allowance to noncurrent loans | 41.1552% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 1.5766% | 1,937 |
| Noncurrent loans to loans | 2.7527% | 1,020 |
| Net loans and leases to total assets | 45.7299% | 5,402 |
| Net loans and leases to deposits | 49.8972% | 5,658 |
| Net loans and leases to core deposits | 49.8972% | 5,796 |
| Total domestic deposits to total assets | 91.6483% | 208 |
| Equity capital to assets | 7.6944% | 6,248 |
| Core capital (leverage) ratio | 8.0247% | 6,050 |
| Tier 1 risk-based capital ratio | 15.1925% | 3,479 |
| Total risk-based capital ratio | 16.1879% | 3,551 |
| Memoranda: | ||
| Average total assets | $21,739,750 | 6,462 |
| Average earning assets | $19,504,750 | 6,451 |
| Average equity | $1,644,750 | 6,521 |
| Average total loans | $10,340,750 | 6,378 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6667% | 4,958 |
| Cost of funding earning assets | 0.4507% | 3,324 |
| Net interest margin | 3.2160% | 4,891 |
| Noninterest income to average assets | 0.2945% | 5,063 |
| Noninterest expense to average assets | 3.1011% | 2,494 |
| Loan and lease loss provision to assets | 0.0092% | 4,051 |
| Net operating income to assets | 0.0460% | 6,141 |
| Return on assets (ROA) | 0.0460% | 6,167 |
| Pretax return on assets | 0.0736% | 6,120 |
| Return on Equity (ROE) | 0.6116% | 6,123 |
| Retained earnings to average equity (ytd only) | 0.6116% | 5,489 |
| Net charge-offs to loans | 1.3802% | 211 |
| Credit loss provision to net charge-offs | 1.3889% | 3,393 |
| Earnings coverage of net charge-offs (x) | 0.1250% | 4,109 |
| Efficiency ratio | 97.3988% | 488 |
| Assets per employee ($millions) | 4.3490% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 4,828 |
| Loan loss allowance to noncurrent loans | 46.2810% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 1.4164% | 2,308 |
| Noncurrent loans to loans | 2.4135% | 1,302 |
| Net loans and leases to total assets | 45.5967% | 5,403 |
| Net loans and leases to deposits | 49.7691% | 5,648 |
| Net loans and leases to core deposits | 49.7691% | 5,805 |
| Total domestic deposits to total assets | 91.6165% | 232 |
| Equity capital to assets | 7.7811% | 6,264 |
| Core capital (leverage) ratio | 8.1492% | 5,984 |
| Tier 1 risk-based capital ratio | 16.8796% | 2,673 |
| Total risk-based capital ratio | 17.9636% | 2,702 |
| Memoranda: | ||
| Average total assets | $21,734,330 | 6,529 |
| Average earning assets | $19,527,330 | 6,516 |
| Average equity | $1,635,000 | 6,583 |
| Average total loans | $10,433,330 | 6,440 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7245% | 4,757 |
| Cost of funding earning assets | 0.4502% | 3,428 |
| Net interest margin | 3.2743% | 4,648 |
| Noninterest income to average assets | 0.3129% | 4,860 |
| Noninterest expense to average assets | 3.2767% | 1,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0368% | 6,236 |
| Return on assets (ROA) | -0.0368% | 6,245 |
| Pretax return on assets | -0.0184% | 6,232 |
| Return on Equity (ROE) | -0.4980% | 6,258 |
| Retained earnings to average equity (ytd only) | -0.4980% | 5,643 |
| Net charge-offs to loans | 2.7077% | 81 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.0139% | 3,432 |
| Efficiency ratio | 100.5650% | 450 |
| Assets per employee ($millions) | 3.5590% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 5,233 |
| Loan loss allowance to noncurrent loans | 100.9091% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.8242% | 3,671 |
| Noncurrent loans to loans | 1.0641% | 3,297 |
| Net loans and leases to total assets | 47.8880% | 5,147 |
| Net loans and leases to deposits | 52.2001% | 5,445 |
| Net loans and leases to core deposits | 52.2001% | 5,607 |
| Total domestic deposits to total assets | 91.7393% | 319 |
| Equity capital to assets | 7.6426% | 6,252 |
| Core capital (leverage) ratio | 7.9278% | 6,161 |
| Tier 1 risk-based capital ratio | 17.2277% | 2,586 |
| Total risk-based capital ratio | 18.3267% | 2,605 |
| Memoranda: | ||
| Average total assets | $21,729,000 | 6,601 |
| Average earning assets | $19,546,000 | 6,584 |
| Average equity | $1,606,500 | 6,654 |
| Average total loans | $10,636,500 | 6,497 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6904% | 5,166 |
| Cost of funding earning assets | 0.6267% | 2,419 |
| Net interest margin | 3.0637% | 5,424 |
| Noninterest income to average assets | 0.3034% | 5,173 |
| Noninterest expense to average assets | 2.9851% | 3,097 |
| Loan and lease loss provision to assets | 0.0178% | 4,773 |
| Net operating income to assets | 0.0386% | 6,151 |
| Return on assets (ROA) | 0.0803% | 6,131 |
| Pretax return on assets | 0.1026% | 6,087 |
| Return on Equity (ROE) | 1.1000% | 6,064 |
| Retained earnings to average equity (ytd only) | 1.1000% | 5,342 |
| Net charge-offs to loans | 0.0095% | 5,262 |
| Credit loss provision to net charge-offs | 400.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,907 |
| Efficiency ratio | 97.8070% | 548 |
| Assets per employee ($millions) | 4.4208% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6734% | 2,488 |
| Loan loss allowance to noncurrent loans | 111.5854% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 3,342 |
| Noncurrent loans to loans | 1.4996% | 2,646 |
| Net loans and leases to total assets | 48.6473% | 5,226 |
| Net loans and leases to deposits | 52.6953% | 5,572 |
| Net loans and leases to core deposits | 54.4952% | 5,641 |
| Total domestic deposits to total assets | 92.3181% | 231 |
| Equity capital to assets | 7.1526% | 6,415 |
| Core capital (leverage) ratio | 7.5688% | 6,344 |
| Tier 1 risk-based capital ratio | 14.9343% | 3,707 |
| Total risk-based capital ratio | 16.1875% | 3,652 |
| Memoranda: | ||
| Average total assets | $22,411,000 | 6,670 |
| Average earning assets | $20,106,200 | 6,655 |
| Average equity | $1,636,400 | 6,742 |
| Average total loans | $10,509,000 | 6,568 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7238% | 5,101 |
| Cost of funding earning assets | 0.6595% | 2,268 |
| Net interest margin | 3.0643% | 5,418 |
| Noninterest income to average assets | 0.3142% | 5,191 |
| Noninterest expense to average assets | 3.0238% | 2,907 |
| Loan and lease loss provision to assets | 0.0237% | 4,534 |
| Net operating income to assets | -0.0045% | 6,302 |
| Return on assets (ROA) | 0.0474% | 6,277 |
| Pretax return on assets | 0.0652% | 6,245 |
| Return on Equity (ROE) | 0.6466% | 6,242 |
| Retained earnings to average equity (ytd only) | 0.6466% | 5,710 |
| Net charge-offs to loans | 0.0128% | 4,882 |
| Credit loss provision to net charge-offs | 400.0000% | 664 |
| Earnings coverage of net charge-offs (x) | 3.0075% | 3,835 |
| Efficiency ratio | 99.4152% | 483 |
| Assets per employee ($millions) | 4.4642% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6423% | 2,831 |
| Loan loss allowance to noncurrent loans | 137.5940% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8915% | 3,898 |
| Noncurrent loans to loans | 1.1936% | 3,435 |
| Net loans and leases to total assets | 49.1017% | 5,237 |
| Net loans and leases to deposits | 53.3074% | 5,606 |
| Net loans and leases to core deposits | 53.3074% | 5,812 |
| Total domestic deposits to total assets | 92.1106% | 233 |
| Equity capital to assets | 7.2712% | 6,470 |
| Core capital (leverage) ratio | 7.6947% | 6,376 |
| Tier 1 risk-based capital ratio | 16.3762% | 3,002 |
| Total risk-based capital ratio | 17.6359% | 2,958 |
| Memoranda: | ||
| Average total assets | $22,487,750 | 6,742 |
| Average earning assets | $20,015,000 | 6,732 |
| Average equity | $1,650,250 | 6,817 |
| Average total loans | $10,402,250 | 6,646 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7298% | 5,052 |
| Cost of funding earning assets | 0.6937% | 2,115 |
| Net interest margin | 3.0361% | 5,481 |
| Noninterest income to average assets | 0.3016% | 5,294 |
| Noninterest expense to average assets | 3.0164% | 2,951 |
| Loan and lease loss provision to assets | 0.0266% | 4,385 |
| Net operating income to assets | -0.0415% | 6,347 |
| Return on assets (ROA) | 0.0266% | 6,342 |
| Pretax return on assets | 0.0444% | 6,309 |
| Return on Equity (ROE) | 0.3616% | 6,329 |
| Retained earnings to average equity (ytd only) | 0.3616% | 5,748 |
| Net charge-offs to loans | 0.0197% | 4,450 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | -4.0000% | 4,816 |
| Efficiency ratio | 101.1905% | 448 |
| Assets per employee ($millions) | 4.4136% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7661% | 2,543 |
| Loan loss allowance to noncurrent loans | 9,100.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 5,554 |
| Noncurrent loans to loans | 0.0194% | 6,360 |
| Net loans and leases to total assets | 45.8719% | 5,548 |
| Net loans and leases to deposits | 49.5230% | 5,879 |
| Net loans and leases to core deposits | 49.5230% | 6,047 |
| Total domestic deposits to total assets | 92.6273% | 167 |
| Equity capital to assets | 6.8198% | 6,636 |
| Core capital (leverage) ratio | 7.8037% | 6,308 |
| Tier 1 risk-based capital ratio | 14.5914% | 4,035 |
| Total risk-based capital ratio | 15.8433% | 3,999 |
| Memoranda: | ||
| Average total assets | $22,543,330 | 6,789 |
| Average earning assets | $19,894,000 | 6,780 |
| Average equity | $1,659,330 | 6,865 |
| Average total loans | $10,155,330 | 6,697 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 4,992 |
| Cost of funding earning assets | 0.6980% | 2,229 |
| Net interest margin | 3.0515% | 5,428 |
| Noninterest income to average assets | 0.2634% | 5,576 |
| Noninterest expense to average assets | 3.0201% | 2,922 |
| Loan and lease loss provision to assets | 0.0176% | 4,247 |
| Net operating income to assets | -0.1054% | 6,446 |
| Return on assets (ROA) | -0.1054% | 6,496 |
| Pretax return on assets | -0.0878% | 6,479 |
| Return on Equity (ROE) | -1.3821% | 6,527 |
| Retained earnings to average equity (ytd only) | -1.3821% | 6,003 |
| Net charge-offs to loans | 0.0397% | 3,476 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | -4.0000% | 4,059 |
| Efficiency ratio | 102.3810% | 475 |
| Assets per employee ($millions) | 4.6570% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7617% | 2,768 |
| Loan loss allowance to noncurrent loans | 135.0746% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.8589% | 4,234 |
| Noncurrent loans to loans | 1.3043% | 3,607 |
| Net loans and leases to total assets | 43.3455% | 5,723 |
| Net loans and leases to deposits | 47.0734% | 5,985 |
| Net loans and leases to core deposits | 47.0734% | 6,150 |
| Total domestic deposits to total assets | 92.0807% | 235 |
| Equity capital to assets | 7.3953% | 6,625 |
| Core capital (leverage) ratio | 7.7619% | 6,317 |
| Tier 1 risk-based capital ratio | 16.9115% | 2,795 |
| Total risk-based capital ratio | 18.1836% | 2,758 |
| Memoranda: | ||
| Average total assets | $22,781,000 | 6,861 |
| Average earning assets | $20,056,000 | 6,851 |
| Average equity | $1,736,500 | 6,920 |
| Average total loans | $10,080,500 | 6,767 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3672% | 3,954 |
| Cost of funding earning assets | 0.8820% | 2,058 |
| Net interest margin | 3.4852% | 4,558 |
| Noninterest income to average assets | 0.2977% | 5,333 |
| Noninterest expense to average assets | 3.1423% | 2,801 |
| Loan and lease loss provision to assets | 0.0284% | 5,543 |
| Net operating income to assets | 0.1985% | 5,789 |
| Return on assets (ROA) | 0.1985% | 5,962 |
| Pretax return on assets | 0.2079% | 5,978 |
| Return on Equity (ROE) | 2.4180% | 5,789 |
| Retained earnings to average equity (ytd only) | 2.4180% | 4,532 |
| Net charge-offs to loans | 0.1506% | 4,184 |
| Credit loss provision to net charge-offs | 37.5000% | 4,979 |
| Earnings coverage of net charge-offs (x) | 3.1250% | 3,869 |
| Efficiency ratio | 93.0070% | 862 |
| Assets per employee ($millions) | 4.4554% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 2,524 |
| Loan loss allowance to noncurrent loans | 620.6897% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 5,425 |
| Noncurrent loans to loans | 0.2933% | 5,745 |
| Net loans and leases to total assets | 43.5741% | 5,855 |
| Net loans and leases to deposits | 47.5530% | 6,136 |
| Net loans and leases to core deposits | 47.5530% | 6,294 |
| Total domestic deposits to total assets | 91.6326% | 313 |
| Equity capital to assets | 7.8601% | 6,478 |
| Core capital (leverage) ratio | 7.6489% | 6,430 |
| Tier 1 risk-based capital ratio | 16.7380% | 2,782 |
| Total risk-based capital ratio | 17.9926% | 2,746 |
| Memoranda: | ||
| Average total assets | $21,162,600 | 6,941 |
| Average earning assets | $18,707,800 | 6,928 |
| Average equity | $1,737,000 | 6,994 |
| Average total loans | $10,623,600 | 6,824 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5337% | 3,506 |
| Cost of funding earning assets | 0.9024% | 2,154 |
| Net interest margin | 3.6314% | 4,091 |
| Noninterest income to average assets | 0.2873% | 5,483 |
| Noninterest expense to average assets | 3.1794% | 2,636 |
| Loan and lease loss provision to assets | 0.0255% | 5,465 |
| Net operating income to assets | 0.2554% | 5,769 |
| Return on assets (ROA) | 0.2554% | 5,960 |
| Pretax return on assets | 0.2681% | 6,011 |
| Return on Equity (ROE) | 3.0764% | 5,651 |
| Retained earnings to average equity (ytd only) | 3.0764% | 4,706 |
| Net charge-offs to loans | 0.1974% | 3,548 |
| Credit loss provision to net charge-offs | 25.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | 2.8753% | 3,891 |
| Efficiency ratio | 91.5441% | 916 |
| Assets per employee ($millions) | 4.3438% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 2,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 5,932 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 45.0067% | 5,871 |
| Net loans and leases to deposits | 49.2990% | 6,165 |
| Net loans and leases to core deposits | 49.2990% | 6,323 |
| Total domestic deposits to total assets | 91.2933% | 333 |
| Equity capital to assets | 8.0943% | 6,552 |
| Core capital (leverage) ratio | 8.0837% | 6,246 |
| Tier 1 risk-based capital ratio | 16.9594% | 2,751 |
| Total risk-based capital ratio | 18.1827% | 2,728 |
| Memoranda: | ||
| Average total assets | $20,884,000 | 7,037 |
| Average earning assets | $18,321,500 | 7,024 |
| Average equity | $1,733,500 | 7,086 |
| Average total loans | $10,807,750 | 6,908 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 3,062 |
| Cost of funding earning assets | 0.9159% | 2,289 |
| Net interest margin | 3.7518% | 3,580 |
| Noninterest income to average assets | 0.2815% | 5,561 |
| Noninterest expense to average assets | 3.2612% | 2,411 |
| Loan and lease loss provision to assets | 0.0291% | 5,305 |
| Net operating income to assets | 0.2815% | 5,668 |
| Return on assets (ROA) | 0.2815% | 5,871 |
| Pretax return on assets | 0.2912% | 5,981 |
| Return on Equity (ROE) | 3.3617% | 5,540 |
| Retained earnings to average equity (ytd only) | 3.3617% | 4,365 |
| Net charge-offs to loans | 0.2885% | 2,876 |
| Credit loss provision to net charge-offs | 18.7500% | 4,629 |
| Earnings coverage of net charge-offs (x) | 2.0625% | 3,958 |
| Efficiency ratio | 91.0569% | 988 |
| Assets per employee ($millions) | 4.1902% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7007% | 3,224 |
| Loan loss allowance to noncurrent loans | 613.7931% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 5,654 |
| Noncurrent loans to loans | 0.2771% | 6,020 |
| Net loans and leases to total assets | 49.1051% | 5,471 |
| Net loans and leases to deposits | 53.9119% | 5,876 |
| Net loans and leases to core deposits | 53.9119% | 6,099 |
| Total domestic deposits to total assets | 91.0840% | 421 |
| Equity capital to assets | 8.3146% | 6,368 |
| Core capital (leverage) ratio | 8.4538% | 5,706 |
| Tier 1 risk-based capital ratio | 15.2079% | 3,627 |
| Total risk-based capital ratio | 16.4366% | 3,607 |
| Memoranda: | ||
| Average total assets | $20,605,670 | 7,102 |
| Average earning assets | $18,124,670 | 7,087 |
| Average equity | $1,725,330 | 7,141 |
| Average total loans | $11,092,330 | 6,957 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8290% | 2,526 |
| Cost of funding earning assets | 0.9390% | 2,385 |
| Net interest margin | 3.8900% | 2,967 |
| Noninterest income to average assets | 0.3524% | 5,045 |
| Noninterest expense to average assets | 3.3671% | 2,099 |
| Loan and lease loss provision to assets | 0.0392% | 4,899 |
| Net operating income to assets | 0.3328% | 5,543 |
| Return on assets (ROA) | 0.3328% | 5,716 |
| Pretax return on assets | 0.3524% | 5,848 |
| Return on Equity (ROE) | 3.9604% | 5,311 |
| Retained earnings to average equity (ytd only) | 3.9604% | 4,208 |
| Net charge-offs to loans | 0.5962% | 1,599 |
| Credit loss provision to net charge-offs | 11.7647% | 3,877 |
| Earnings coverage of net charge-offs (x) | 1.1765% | 3,747 |
| Efficiency ratio | 89.5833% | 1,134 |
| Assets per employee ($millions) | 3.3847% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 3,862 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3250% | 6,075 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 54.4219% | 4,651 |
| Net loans and leases to deposits | 59.8862% | 5,165 |
| Net loans and leases to core deposits | 59.8862% | 5,538 |
| Total domestic deposits to total assets | 90.8755% | 608 |
| Equity capital to assets | 8.4893% | 6,091 |
| Core capital (leverage) ratio | 8.4817% | 5,627 |
| Tier 1 risk-based capital ratio | 13.3417% | 4,941 |
| Total risk-based capital ratio | 14.5453% | 4,975 |
| Memoranda: | ||
| Average total assets | $20,433,000 | 7,163 |
| Average earning assets | $17,892,000 | 7,150 |
| Average equity | $1,717,000 | 7,197 |
| Average total loans | $11,405,500 | 7,006 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9020% | 3,344 |
| Cost of funding earning assets | 1.0532% | 2,996 |
| Net interest margin | 3.8487% | 3,576 |
| Noninterest income to average assets | 0.6142% | 3,094 |
| Noninterest expense to average assets | 3.4724% | 2,057 |
| Loan and lease loss provision to assets | 0.0991% | 5,351 |
| Net operating income to assets | 0.4359% | 4,709 |
| Return on assets (ROA) | 0.4359% | 4,914 |
| Pretax return on assets | 0.4458% | 5,144 |
| Return on Equity (ROE) | 5.2840% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.2840% | 2,466 |
| Net charge-offs to loans | 1.2296% | 1,361 |
| Credit loss provision to net charge-offs | 14.2857% | 5,975 |
| Earnings coverage of net charge-offs (x) | 0.7857% | 5,205 |
| Efficiency ratio | 86.4365% | 1,503 |
| Assets per employee ($millions) | 3.4263% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 3,384 |
| Loan loss allowance to noncurrent loans | 1,193.7500% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 5,973 |
| Noncurrent loans to loans | 0.1381% | 6,466 |
| Net loans and leases to total assets | 55.4140% | 4,809 |
| Net loans and leases to deposits | 60.8320% | 5,391 |
| Net loans and leases to core deposits | 60.8320% | 5,766 |
| Total domestic deposits to total assets | 91.0935% | 468 |
| Equity capital to assets | 8.3179% | 6,333 |
| Core capital (leverage) ratio | 8.1162% | 6,120 |
| Tier 1 risk-based capital ratio | 13.8634% | 4,428 |
| Total risk-based capital ratio | 15.0855% | 4,409 |
| Memoranda: | ||
| Average total assets | $20,188,000 | 7,204 |
| Average earning assets | $17,850,000 | 7,186 |
| Average equity | $1,665,400 | 7,261 |
| Average total loans | $11,385,600 | 7,062 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9139% | 3,490 |
| Cost of funding earning assets | 1.0936% | 3,023 |
| Net interest margin | 3.8203% | 3,767 |
| Noninterest income to average assets | 0.7099% | 2,542 |
| Noninterest expense to average assets | 3.4700% | 2,016 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6104% | 4,040 |
| Return on assets (ROA) | 0.6104% | 4,226 |
| Pretax return on assets | 0.6237% | 4,731 |
| Return on Equity (ROE) | 7.4148% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.4148% | 1,764 |
| Net charge-offs to loans | -0.0470% | 7,042 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7650% | 1,656 |
| Assets per employee ($millions) | 3.3900% | 5,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7315% | 1,092 |
| Loan loss allowance to noncurrent loans | 134.0426% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 1.1554% | 4,476 |
| Noncurrent loans to loans | 2.0378% | 3,318 |
| Net loans and leases to total assets | 55.1475% | 4,976 |
| Net loans and leases to deposits | 60.6521% | 5,560 |
| Net loans and leases to core deposits | 60.6521% | 5,931 |
| Total domestic deposits to total assets | 90.9243% | 456 |
| Equity capital to assets | 8.4612% | 6,340 |
| Core capital (leverage) ratio | 8.2984% | 5,975 |
| Tier 1 risk-based capital ratio | 14.6206% | 3,888 |
| Total risk-based capital ratio | 15.7840% | 3,932 |
| Memoranda: | ||
| Average total assets | $20,095,500 | 7,278 |
| Average earning assets | $17,799,250 | 7,263 |
| Average equity | $1,654,250 | 7,336 |
| Average total loans | $11,336,250 | 7,135 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 4,108 |
| Cost of funding earning assets | 1.1147% | 3,131 |
| Net interest margin | 3.6817% | 4,348 |
| Noninterest income to average assets | 0.9393% | 1,497 |
| Noninterest expense to average assets | 3.5075% | 1,960 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6895% | 3,596 |
| Return on assets (ROA) | 0.6895% | 3,715 |
| Pretax return on assets | 0.6995% | 4,389 |
| Return on Equity (ROE) | 8.4559% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.4559% | 1,277 |
| Net charge-offs to loans | -0.0710% | 7,097 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3729% | 1,901 |
| Assets per employee ($millions) | 3.4000% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6925% | 1,188 |
| Loan loss allowance to noncurrent loans | 72.9167% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 2.3284% | 2,825 |
| Noncurrent loans to loans | 3.6926% | 1,904 |
| Net loans and leases to total assets | 55.8039% | 5,027 |
| Net loans and leases to deposits | 61.2175% | 5,593 |
| Net loans and leases to core deposits | 61.2175% | 5,974 |
| Total domestic deposits to total assets | 91.1569% | 441 |
| Equity capital to assets | 8.3039% | 6,422 |
| Core capital (leverage) ratio | 8.5136% | 5,530 |
| Tier 1 risk-based capital ratio | 15.7605% | 3,099 |
| Total risk-based capital ratio | 17.0035% | 3,083 |
| Memoranda: | ||
| Average total assets | $20,014,000 | 7,352 |
| Average earning assets | $17,763,330 | 7,334 |
| Average equity | $1,632,000 | 7,411 |
| Average total loans | $11,271,000 | 7,207 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 4,271 |
| Cost of funding earning assets | 1.1605% | 3,084 |
| Net interest margin | 3.5954% | 4,584 |
| Noninterest income to average assets | 0.3431% | 5,175 |
| Noninterest expense to average assets | 3.4912% | 2,023 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0202% | 6,310 |
| Return on assets (ROA) | 0.0202% | 6,344 |
| Pretax return on assets | 0.0404% | 6,282 |
| Return on Equity (ROE) | 0.2498% | 6,324 |
| Retained earnings to average equity (ytd only) | 0.2498% | 5,708 |
| Net charge-offs to loans | -0.1447% | 7,194 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8571% | 795 |
| Assets per employee ($millions) | 3.8552% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7827% | 1,131 |
| Loan loss allowance to noncurrent loans | 75.7212% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 2.3812% | 2,864 |
| Noncurrent loans to loans | 3.6749% | 2,008 |
| Net loans and leases to total assets | 57.0917% | 4,788 |
| Net loans and leases to deposits | 62.6673% | 5,424 |
| Net loans and leases to core deposits | 62.6673% | 5,857 |
| Total domestic deposits to total assets | 91.1029% | 576 |
| Equity capital to assets | 8.3160% | 6,142 |
| Core capital (leverage) ratio | 8.0441% | 6,197 |
| Tier 1 risk-based capital ratio | 12.5493% | 5,223 |
| Total risk-based capital ratio | 13.8026% | 5,192 |
| Memoranda: | ||
| Average total assets | $19,821,000 | 7,410 |
| Average earning assets | $17,578,000 | 7,395 |
| Average equity | $1,601,000 | 7,469 |
| Average total loans | $11,057,000 | 7,271 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1128% | 4,049 |
| Cost of funding earning assets | 1.4179% | 3,149 |
| Net interest margin | 3.6949% | 4,372 |
| Noninterest income to average assets | 0.4285% | 4,686 |
| Noninterest expense to average assets | 3.5859% | 1,960 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0393% | 5,733 |
| Return on assets (ROA) | 0.0612% | 5,820 |
| Pretax return on assets | 0.0714% | 5,756 |
| Return on Equity (ROE) | 0.7748% | 5,760 |
| Retained earnings to average equity (ytd only) | 0.7748% | 5,166 |
| Net charge-offs to loans | -0.1385% | 7,522 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7360% | 836 |
| Assets per employee ($millions) | 4.0732% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8812% | 970 |
| Loan loss allowance to noncurrent loans | 127.9835% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 1.8069% | 3,615 |
| Noncurrent loans to loans | 2.2513% | 3,272 |
| Net loans and leases to total assets | 51.4730% | 5,994 |
| Net loans and leases to deposits | 56.2001% | 6,426 |
| Net loans and leases to core deposits | 56.2001% | 6,682 |
| Total domestic deposits to total assets | 91.5889% | 378 |
| Equity capital to assets | 7.8513% | 6,639 |
| Core capital (leverage) ratio | 7.8340% | 6,398 |
| Tier 1 risk-based capital ratio | 13.4398% | 4,263 |
| Total risk-based capital ratio | 14.6900% | 4,229 |
| Memoranda: | ||
| Average total assets | $19,604,800 | 7,477 |
| Average earning assets | $16,996,600 | 7,474 |
| Average equity | $1,548,800 | 7,578 |
| Average total loans | $10,828,200 | 7,357 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1192% | 4,221 |
| Cost of funding earning assets | 1.4762% | 3,113 |
| Net interest margin | 3.6429% | 4,664 |
| Noninterest income to average assets | 0.4327% | 4,695 |
| Noninterest expense to average assets | 3.5917% | 1,817 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.0082% | 6,014 |
| Return on assets (ROA) | 0.0138% | 6,098 |
| Pretax return on assets | 0.0275% | 6,050 |
| Return on Equity (ROE) | 0.1738% | 6,075 |
| Retained earnings to average equity (ytd only) | 0.1738% | 5,704 |
| Net charge-offs to loans | -0.1476% | 7,598 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1916% | 737 |
| Assets per employee ($millions) | 3.3268% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6624% | 1,125 |
| Loan loss allowance to noncurrent loans | 89.2442% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 2.3446% | 3,031 |
| Noncurrent loans to loans | 2.9833% | 2,676 |
| Net loans and leases to total assets | 56.2296% | 5,516 |
| Net loans and leases to deposits | 61.4206% | 6,176 |
| Net loans and leases to core deposits | 61.4206% | 6,505 |
| Total domestic deposits to total assets | 91.5485% | 295 |
| Equity capital to assets | 7.8403% | 6,906 |
| Core capital (leverage) ratio | 7.7156% | 6,659 |
| Tier 1 risk-based capital ratio | 13.1439% | 4,463 |
| Total risk-based capital ratio | 14.4145% | 4,428 |
| Memoranda: | ||
| Average total assets | $19,414,500 | 7,577 |
| Average earning assets | $16,799,250 | 7,577 |
| Average equity | $1,536,250 | 7,683 |
| Average total loans | $10,836,750 | 7,454 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1438% | 4,223 |
| Cost of funding earning assets | 1.5492% | 2,965 |
| Net interest margin | 3.5946% | 4,837 |
| Noninterest income to average assets | 0.4680% | 4,374 |
| Noninterest expense to average assets | 3.6501% | 1,665 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.1040% | 6,234 |
| Return on assets (ROA) | -0.0520% | 6,246 |
| Pretax return on assets | -0.0416% | 6,187 |
| Return on Equity (ROE) | -0.6550% | 6,283 |
| Retained earnings to average equity (ytd only) | -0.6550% | 5,892 |
| Net charge-offs to loans | -0.1320% | 7,592 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6316% | 720 |
| Assets per employee ($millions) | 3.1382% | 5,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8598% | 945 |
| Loan loss allowance to noncurrent loans | 82.7869% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 2.6024% | 2,783 |
| Noncurrent loans to loans | 3.4545% | 2,299 |
| Net loans and leases to total assets | 54.6604% | 5,888 |
| Net loans and leases to deposits | 59.9522% | 6,412 |
| Net loans and leases to core deposits | 59.9522% | 6,718 |
| Total domestic deposits to total assets | 91.1732% | 421 |
| Equity capital to assets | 8.2373% | 6,498 |
| Core capital (leverage) ratio | 7.9624% | 6,311 |
| Tier 1 risk-based capital ratio | 14.0074% | 3,729 |
| Total risk-based capital ratio | 15.2390% | 3,700 |
| Memoranda: | ||
| Average total assets | $19,232,330 | 7,645 |
| Average earning assets | $16,524,670 | 7,647 |
| Average equity | $1,526,670 | 7,750 |
| Average total loans | $10,605,330 | 7,525 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9409% | 5,269 |
| Cost of funding earning assets | 1.5754% | 3,101 |
| Net interest margin | 3.3656% | 5,728 |
| Noninterest income to average assets | 0.4116% | 4,801 |
| Noninterest expense to average assets | 3.7048% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.3633% | 6,732 |
| Return on assets (ROA) | -0.2676% | 6,684 |
| Pretax return on assets | -0.2882% | 6,626 |
| Return on Equity (ROE) | -3.4335% | 6,772 |
| Retained earnings to average equity (ytd only) | -3.4335% | 6,417 |
| Net charge-offs to loans | -0.1508% | 7,611 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8012% | 563 |
| Assets per employee ($millions) | 3.1975% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8024% | 985 |
| Loan loss allowance to noncurrent loans | 83.5655% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 2.5176% | 2,889 |
| Noncurrent loans to loans | 3.3536% | 2,383 |
| Net loans and leases to total assets | 54.2351% | 6,000 |
| Net loans and leases to deposits | 59.3859% | 6,522 |
| Net loans and leases to core deposits | 59.7233% | 6,771 |
| Total domestic deposits to total assets | 91.3266% | 430 |
| Equity capital to assets | 8.0688% | 6,579 |
| Core capital (leverage) ratio | 7.8439% | 6,442 |
| Tier 1 risk-based capital ratio | 12.5031% | 4,747 |
| Total risk-based capital ratio | 13.7649% | 4,688 |
| Memoranda: | ||
| Average total assets | $19,434,000 | 7,736 |
| Average earning assets | $16,758,000 | 7,738 |
| Average equity | $1,514,500 | 7,838 |
| Average total loans | $10,610,500 | 7,624 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2132% | 5,592 |
| Cost of funding earning assets | 2.0074% | 2,927 |
| Net interest margin | 3.2058% | 6,068 |
| Noninterest income to average assets | 0.4064% | 5,149 |
| Noninterest expense to average assets | 3.6993% | 1,916 |
| Loan and lease loss provision to assets | -0.0625% | 7,979 |
| Net operating income to assets | -0.4585% | 6,134 |
| Return on assets (ROA) | -0.3960% | 6,063 |
| Pretax return on assets | -0.3803% | 5,900 |
| Return on Equity (ROE) | -5.0721% | 6,218 |
| Retained earnings to average equity (ytd only) | -5.0721% | 6,029 |
| Net charge-offs to loans | 0.2103% | 5,309 |
| Credit loss provision to net charge-offs | -57.1429% | 7,371 |
| Earnings coverage of net charge-offs (x) | -4.6190% | 7,097 |
| Efficiency ratio | 115.8238% | 674 |
| Assets per employee ($millions) | 3.9366% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8148% | 920 |
| Loan loss allowance to noncurrent loans | 276.6355% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 1.1736% | 4,752 |
| Noncurrent loans to loans | 1.0175% | 5,280 |
| Net loans and leases to total assets | 51.9230% | 6,429 |
| Net loans and leases to deposits | 56.5015% | 6,891 |
| Net loans and leases to core deposits | 63.0164% | 7,150 |
| Total domestic deposits to total assets | 91.8966% | 279 |
| Equity capital to assets | 7.5243% | 7,013 |
| Core capital (leverage) ratio | 7.4480% | 6,837 |
| Tier 1 risk-based capital ratio | 12.3210% | 4,659 |
| Total risk-based capital ratio | 13.5836% | 4,612 |
| Memoranda: | ||
| Average total assets | $19,193,000 | 7,797 |
| Average earning assets | $16,688,400 | 7,800 |
| Average equity | $1,498,400 | 7,929 |
| Average total loans | $9,983,800 | 7,709 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1650% | 6,042 |
| Cost of funding earning assets | 2.1045% | 2,873 |
| Net interest margin | 3.0605% | 6,432 |
| Noninterest income to average assets | 0.4334% | 5,012 |
| Noninterest expense to average assets | 3.7894% | 1,612 |
| Loan and lease loss provision to assets | 0.0489% | 6,881 |
| Net operating income to assets | -0.7551% | 6,653 |
| Return on assets (ROA) | -0.6712% | 6,588 |
| Pretax return on assets | -0.6572% | 6,451 |
| Return on Equity (ROE) | -8.5177% | 6,771 |
| Retained earnings to average equity (ytd only) | -8.5177% | 6,658 |
| Net charge-offs to loans | -0.1489% | 7,950 |
| Credit loss provision to net charge-offs | -63.6364% | 7,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.3476% | 557 |
| Assets per employee ($millions) | 3.9022% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4278% | 449 |
| Loan loss allowance to noncurrent loans | 107.7640% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 1.6504% | 3,891 |
| Noncurrent loans to loans | 3.1809% | 2,377 |
| Net loans and leases to total assets | 50.1051% | 6,773 |
| Net loans and leases to deposits | 54.6328% | 7,164 |
| Net loans and leases to core deposits | 60.6564% | 7,377 |
| Total domestic deposits to total assets | 91.7124% | 220 |
| Equity capital to assets | 7.5240% | 7,279 |
| Core capital (leverage) ratio | 7.3031% | 7,184 |
| Tier 1 risk-based capital ratio | 13.7246% | 3,700 |
| Total risk-based capital ratio | 15.0913% | 3,594 |
| Memoranda: | ||
| Average total assets | $19,070,500 | 7,880 |
| Average earning assets | $16,598,500 | 7,882 |
| Average equity | $1,502,750 | 8,011 |
| Average total loans | $9,850,750 | 7,790 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3511% | 5,392 |
| Cost of funding earning assets | 2.2531% | 2,561 |
| Net interest margin | 3.0980% | 6,247 |
| Noninterest income to average assets | 0.4439% | 4,900 |
| Noninterest expense to average assets | 3.9422% | 1,411 |
| Loan and lease loss provision to assets | 0.0423% | 6,811 |
| Net operating income to assets | -0.8878% | 6,895 |
| Return on assets (ROA) | -0.7610% | 6,809 |
| Pretax return on assets | -0.7398% | 6,638 |
| Return on Equity (ROE) | -9.5092% | 6,995 |
| Retained earnings to average equity (ytd only) | -9.5092% | 6,819 |
| Net charge-offs to loans | -0.1230% | 7,981 |
| Credit loss provision to net charge-offs | -66.6667% | 6,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.4407% | 564 |
| Assets per employee ($millions) | 3.8704% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3581% | 423 |
| Loan loss allowance to noncurrent loans | 104.6296% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.6742% | 3,679 |
| Noncurrent loans to loans | 3.2095% | 2,220 |
| Net loans and leases to total assets | 50.4134% | 6,833 |
| Net loans and leases to deposits | 54.9882% | 7,221 |
| Net loans and leases to core deposits | 60.4012% | 7,438 |
| Total domestic deposits to total assets | 91.6804% | 274 |
| Equity capital to assets | 7.6013% | 7,176 |
| Core capital (leverage) ratio | 7.4872% | 7,037 |
| Tier 1 risk-based capital ratio | 12.2114% | 4,743 |
| Total risk-based capital ratio | 13.5079% | 4,631 |
| Memoranda: | ||
| Average total assets | $18,923,670 | 7,958 |
| Average earning assets | $16,333,000 | 7,968 |
| Average equity | $1,514,330 | 8,095 |
| Average total loans | $9,760,000 | 7,873 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4931% | 4,949 |
| Cost of funding earning assets | 2.4469% | 2,116 |
| Net interest margin | 3.0462% | 6,351 |
| Noninterest income to average assets | 0.4490% | 4,783 |
| Noninterest expense to average assets | 3.9125% | 1,293 |
| Loan and lease loss provision to assets | 0.0214% | 6,630 |
| Net operating income to assets | -0.8979% | 7,193 |
| Return on assets (ROA) | -0.8979% | 7,219 |
| Pretax return on assets | -0.8766% | 7,082 |
| Return on Equity (ROE) | -10.9375% | 7,422 |
| Retained earnings to average equity (ytd only) | -10.9375% | 7,199 |
| Net charge-offs to loans | -0.2502% | 8,041 |
| Credit loss provision to net charge-offs | -16.6667% | 6,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.9720% | 525 |
| Assets per employee ($millions) | 3.7272% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4356% | 337 |
| Loan loss allowance to noncurrent loans | 93.3518% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 1.9371% | 2,996 |
| Noncurrent loans to loans | 3.6803% | 1,701 |
| Net loans and leases to total assets | 50.8264% | 6,780 |
| Net loans and leases to deposits | 55.7373% | 7,173 |
| Net loans and leases to core deposits | 61.8640% | 7,396 |
| Total domestic deposits to total assets | 91.1891% | 358 |
| Equity capital to assets | 8.0811% | 6,698 |
| Core capital (leverage) ratio | 7.7507% | 6,820 |
| Tier 1 risk-based capital ratio | 12.7438% | 4,350 |
| Total risk-based capital ratio | 14.0523% | 4,238 |
| Memoranda: | ||
| Average total assets | $18,709,500 | 8,016 |
| Average earning assets | $16,020,000 | 8,023 |
| Average equity | $1,536,000 | 8,146 |
| Average total loans | $9,592,500 | 7,927 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5272% | 7,232 |
| Cost of funding earning assets | 2.9677% | 1,993 |
| Net interest margin | 2.5595% | 7,685 |
| Noninterest income to average assets | 0.4469% | 5,062 |
| Noninterest expense to average assets | 3.4573% | 2,503 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.7654% | 7,114 |
| Return on assets (ROA) | -0.6165% | 6,912 |
| Pretax return on assets | -0.6062% | 6,740 |
| Return on Equity (ROE) | -7.3919% | 7,081 |
| Retained earnings to average equity (ytd only) | -7.3919% | 6,821 |
| Net charge-offs to loans | -0.0440% | 8,016 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.9468% | 483 |
| Assets per employee ($millions) | 3.7566% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5090% | 275 |
| Loan loss allowance to noncurrent loans | 62.0755% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 2.8217% | 1,667 |
| Noncurrent loans to loans | 5.6527% | 685 |
| Net loans and leases to total assets | 48.1659% | 7,175 |
| Net loans and leases to deposits | 53.0087% | 7,489 |
| Net loans and leases to core deposits | 58.7811% | 7,639 |
| Total domestic deposits to total assets | 90.8641% | 364 |
| Equity capital to assets | 8.3373% | 6,361 |
| Core capital (leverage) ratio | 7.7436% | 6,872 |
| Tier 1 risk-based capital ratio | 13.1876% | 4,000 |
| Total risk-based capital ratio | 14.4616% | 3,901 |
| Memoranda: | ||
| Average total assets | $19,466,000 | 8,034 |
| Average earning assets | $17,151,600 | 8,037 |
| Average equity | $1,623,400 | 8,194 |
| Average total loans | $9,087,600 | 7,985 |