Home > Swisher Trust & Savings Bank > Performance and Condition Ratios
Swisher Trust & Savings Bank, Performance and Condition Ratios
| 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 | 2.7263% | 5,308 |
| Cost of funding earning assets | 0.3267% | 4,430 |
| Net interest margin | 2.3996% | 5,248 |
| Noninterest income to average assets | 0.1291% | 5,043 |
| Noninterest expense to average assets | 3.4752% | 1,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.7687% | 5,332 |
| Return on assets (ROA) | -0.7687% | 5,326 |
| Pretax return on assets | -1.0458% | 5,336 |
| Return on Equity (ROE) | -8.7492% | 5,342 |
| Retained earnings to average equity (ytd only) | -8.7492% | 5,304 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.0469% | 33 |
| Assets per employee ($millions) | 7.5296% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 3,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 26.4993% | 5,250 |
| Net loans and leases to deposits | 29.3412% | 5,279 |
| Net loans and leases to core deposits | 29.3412% | 5,283 |
| Total domestic deposits to total assets | 90.3144% | 375 |
| Equity capital to assets | 8.0578% | 5,140 |
| Core capital (leverage) ratio | 9.2864% | 4,366 |
| Tier 1 risk-based capital ratio | 26.5634% | 639 |
| Total risk-based capital ratio | 27.3649% | 652 |
| Memoranda: | ||
| Average total assets | $52,687,800 | 4,890 |
| Average earning assets | $50,508,200 | 4,845 |
| Average equity | $4,629,000 | 5,099 |
| Average total loans | $14,753,000 | 5,199 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7281% | 5,369 |
| Cost of funding earning assets | 0.3199% | 4,382 |
| Net interest margin | 2.4082% | 5,316 |
| Noninterest income to average assets | 0.1316% | 5,100 |
| Noninterest expense to average assets | 1.7893% | 5,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5087% | 4,743 |
| Return on assets (ROA) | 0.5087% | 4,743 |
| Pretax return on assets | 0.6479% | 4,641 |
| Return on Equity (ROE) | 5.6723% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.6723% | 2,841 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4164% | 1,670 |
| Assets per employee ($millions) | 6.5876% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 27.6067% | 5,308 |
| Net loans and leases to deposits | 30.2776% | 5,337 |
| Net loans and leases to core deposits | 30.2776% | 5,343 |
| Total domestic deposits to total assets | 91.1785% | 185 |
| Equity capital to assets | 8.7399% | 4,767 |
| Core capital (leverage) ratio | 10.2251% | 3,377 |
| Tier 1 risk-based capital ratio | 28.1616% | 560 |
| Total risk-based capital ratio | 28.9173% | 579 |
| Memoranda: | ||
| Average total assets | $52,683,000 | 4,946 |
| Average earning assets | $50,437,000 | 4,898 |
| Average equity | $4,724,500 | 5,152 |
| Average total loans | $14,912,750 | 5,260 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7089% | 5,434 |
| Cost of funding earning assets | 0.3129% | 4,325 |
| Net interest margin | 2.3960% | 5,383 |
| Noninterest income to average assets | 0.1405% | 5,116 |
| Noninterest expense to average assets | 1.8262% | 5,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4822% | 4,786 |
| Return on assets (ROA) | 0.4822% | 4,792 |
| Pretax return on assets | 0.6113% | 4,721 |
| Return on Equity (ROE) | 5.3317% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.3317% | 2,921 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9221% | 1,574 |
| Assets per employee ($millions) | 6.4608% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 3,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 28.3965% | 5,357 |
| Net loans and leases to deposits | 31.2410% | 5,382 |
| Net loans and leases to core deposits | 31.2410% | 5,394 |
| Total domestic deposits to total assets | 90.8950% | 275 |
| Equity capital to assets | 9.0411% | 4,525 |
| Core capital (leverage) ratio | 10.2302% | 3,318 |
| Tier 1 risk-based capital ratio | 28.0421% | 556 |
| Total risk-based capital ratio | 28.8049% | 578 |
| Memoranda: | ||
| Average total assets | $52,677,000 | 5,005 |
| Average earning assets | $50,500,330 | 4,957 |
| Average equity | $4,764,000 | 5,198 |
| Average total loans | $14,985,000 | 5,319 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6634% | 5,492 |
| Cost of funding earning assets | 0.2977% | 4,367 |
| Net interest margin | 2.3657% | 5,454 |
| Noninterest income to average assets | 0.1429% | 5,156 |
| Noninterest expense to average assets | 1.6550% | 5,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5943% | 4,438 |
| Return on assets (ROA) | 0.5943% | 4,445 |
| Pretax return on assets | 0.7598% | 4,261 |
| Return on Equity (ROE) | 6.5703% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.5703% | 2,467 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5358% | 2,743 |
| Assets per employee ($millions) | 6.5783% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 4,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 28.4080% | 5,401 |
| Net loans and leases to deposits | 31.1965% | 5,431 |
| Net loans and leases to core deposits | 31.1965% | 5,442 |
| Total domestic deposits to total assets | 91.0615% | 299 |
| Equity capital to assets | 8.8872% | 4,674 |
| Core capital (leverage) ratio | 10.0264% | 3,503 |
| Tier 1 risk-based capital ratio | 27.9570% | 562 |
| Total risk-based capital ratio | 28.7243% | 577 |
| Memoranda: | ||
| Average total assets | $53,172,500 | 5,056 |
| Average earning assets | $51,062,500 | 5,005 |
| Average equity | $4,809,500 | 5,245 |
| Average total loans | $15,065,500 | 5,377 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7155% | 5,491 |
| Cost of funding earning assets | 0.2887% | 4,235 |
| Net interest margin | 2.4268% | 5,446 |
| Noninterest income to average assets | 0.1625% | 5,147 |
| Noninterest expense to average assets | 1.9672% | 5,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4227% | 4,618 |
| Return on assets (ROA) | 0.4681% | 4,495 |
| Pretax return on assets | 0.5764% | 4,795 |
| Return on Equity (ROE) | 4.7847% | 4,252 |
| Retained earnings to average equity (ytd only) | 1.7597% | 4,265 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0824% | 1,211 |
| Assets per employee ($millions) | 6.7149% | 1,097 |
| Cash dividends to net income (ytd only)* | 63.2231% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 4,063 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 27.7127% | 5,475 |
| Net loans and leases to deposits | 30.5349% | 5,509 |
| Net loans and leases to core deposits | 30.7069% | 5,520 |
| Total domestic deposits to total assets | 90.7575% | 320 |
| Equity capital to assets | 9.1997% | 4,527 |
| Core capital (leverage) ratio | 9.8731% | 3,611 |
| Tier 1 risk-based capital ratio | 27.5087% | 569 |
| Total risk-based capital ratio | 28.2750% | 586 |
| Memoranda: | ||
| Average total assets | $51,698,600 | 5,124 |
| Average earning assets | $49,531,200 | 5,074 |
| Average equity | $5,057,800 | 5,262 |
| Average total loans | $15,854,800 | 5,424 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7373% | 5,547 |
| Cost of funding earning assets | 0.2881% | 4,240 |
| Net interest margin | 2.4491% | 5,502 |
| Noninterest income to average assets | 0.1667% | 5,185 |
| Noninterest expense to average assets | 1.8778% | 5,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4446% | 4,892 |
| Return on assets (ROA) | 0.4974% | 4,774 |
| Pretax return on assets | 0.7110% | 4,583 |
| Return on Equity (ROE) | 5.0063% | 4,528 |
| Retained earnings to average equity (ytd only) | 5.0063% | 2,883 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7150% | 1,787 |
| Assets per employee ($millions) | 6.4949% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 4,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 29.8716% | 5,502 |
| Net loans and leases to deposits | 33.2434% | 5,541 |
| Net loans and leases to core deposits | 33.4382% | 5,558 |
| Total domestic deposits to total assets | 89.8574% | 522 |
| Equity capital to assets | 10.0772% | 3,829 |
| Core capital (leverage) ratio | 10.3890% | 3,097 |
| Tier 1 risk-based capital ratio | 28.3762% | 544 |
| Total risk-based capital ratio | 29.1517% | 561 |
| Memoranda: | ||
| Average total assets | $51,193,500 | 5,190 |
| Average earning assets | $49,049,750 | 5,139 |
| Average equity | $5,086,750 | 5,317 |
| Average total loans | $16,060,000 | 5,479 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7308% | 5,585 |
| Cost of funding earning assets | 0.2898% | 4,186 |
| Net interest margin | 2.4410% | 5,543 |
| Noninterest income to average assets | 0.1728% | 5,188 |
| Noninterest expense to average assets | 1.9396% | 5,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4273% | 4,905 |
| Return on assets (ROA) | 0.5104% | 4,712 |
| Pretax return on assets | 0.6950% | 4,562 |
| Return on Equity (ROE) | 5.1618% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.1618% | 2,601 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9470% | 1,590 |
| Assets per employee ($millions) | 6.4219% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 4,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 30.7990% | 5,527 |
| Net loans and leases to deposits | 34.2823% | 5,566 |
| Net loans and leases to core deposits | 34.4848% | 5,592 |
| Total domestic deposits to total assets | 89.8394% | 584 |
| Equity capital to assets | 10.1061% | 3,790 |
| Core capital (leverage) ratio | 10.3655% | 3,054 |
| Tier 1 risk-based capital ratio | 27.5830% | 576 |
| Total risk-based capital ratio | 28.3454% | 591 |
| Memoranda: | ||
| Average total assets | $50,938,330 | 5,233 |
| Average earning assets | $48,996,000 | 5,176 |
| Average equity | $5,037,000 | 5,359 |
| Average total loans | $16,190,670 | 5,525 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7142% | 5,640 |
| Cost of funding earning assets | 0.2870% | 4,171 |
| Net interest margin | 2.4272% | 5,599 |
| Noninterest income to average assets | 0.1577% | 5,331 |
| Noninterest expense to average assets | 1.7823% | 5,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5496% | 4,382 |
| Return on assets (ROA) | 0.5678% | 4,336 |
| Pretax return on assets | 0.7334% | 4,335 |
| Return on Equity (ROE) | 5.8070% | 4,000 |
| Retained earnings to average equity (ytd only) | 5.8070% | 2,439 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5190% | 2,661 |
| Assets per employee ($millions) | 6.3363% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9137% | 4,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 31.4480% | 5,555 |
| Net loans and leases to deposits | 35.1247% | 5,601 |
| Net loans and leases to core deposits | 35.3349% | 5,631 |
| Total domestic deposits to total assets | 89.5325% | 881 |
| Equity capital to assets | 9.9231% | 3,850 |
| Core capital (leverage) ratio | 10.3609% | 3,044 |
| Tier 1 risk-based capital ratio | 27.7105% | 577 |
| Total risk-based capital ratio | 28.4849% | 599 |
| Memoranda: | ||
| Average total assets | $50,720,000 | 5,297 |
| Average earning assets | $48,780,000 | 5,234 |
| Average equity | $4,959,500 | 5,425 |
| Average total loans | $16,301,000 | 5,583 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8145% | 5,636 |
| Cost of funding earning assets | 0.2808% | 4,247 |
| Net interest margin | 2.5337% | 5,565 |
| Noninterest income to average assets | 0.1769% | 5,337 |
| Noninterest expense to average assets | 2.0979% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4118% | 4,901 |
| Return on assets (ROA) | 0.5387% | 4,576 |
| Pretax return on assets | 0.6790% | 4,562 |
| Return on Equity (ROE) | 4.9655% | 4,451 |
| Retained earnings to average equity (ytd only) | 2.0986% | 4,344 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1865% | 1,399 |
| Assets per employee ($millions) | 6.3438% | 1,235 |
| Cash dividends to net income (ytd only)* | 57.7358% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 4,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 32.2502% | 5,590 |
| Net loans and leases to deposits | 35.7101% | 5,643 |
| Net loans and leases to core deposits | 35.7101% | 5,678 |
| Total domestic deposits to total assets | 90.3113% | 512 |
| Equity capital to assets | 9.6335% | 4,136 |
| Core capital (leverage) ratio | 10.3679% | 3,032 |
| Tier 1 risk-based capital ratio | 27.1951% | 609 |
| Total risk-based capital ratio | 27.9656% | 628 |
| Memoranda: | ||
| Average total assets | $49,192,000 | 5,365 |
| Average earning assets | $47,361,200 | 5,302 |
| Average equity | $5,336,800 | 5,404 |
| Average total loans | $16,535,400 | 5,627 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8454% | 5,697 |
| Cost of funding earning assets | 0.2780% | 4,313 |
| Net interest margin | 2.5674% | 5,611 |
| Noninterest income to average assets | 0.1694% | 5,420 |
| Noninterest expense to average assets | 1.9643% | 5,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4987% | 4,703 |
| Return on assets (ROA) | 0.6584% | 4,161 |
| Pretax return on assets | 0.8934% | 4,001 |
| Return on Equity (ROE) | 5.8973% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.8973% | 2,240 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3537% | 2,215 |
| Assets per employee ($millions) | 6.2303% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8723% | 4,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 33.5159% | 5,639 |
| Net loans and leases to deposits | 38.0533% | 5,677 |
| Net loans and leases to core deposits | 38.0533% | 5,722 |
| Total domestic deposits to total assets | 88.0763% | 1,364 |
| Equity capital to assets | 11.3117% | 2,689 |
| Core capital (leverage) ratio | 10.7228% | 2,758 |
| Tier 1 risk-based capital ratio | 27.9225% | 587 |
| Total risk-based capital ratio | 28.6945% | 603 |
| Memoranda: | ||
| Average total assets | $48,802,500 | 5,424 |
| Average earning assets | $46,998,000 | 5,361 |
| Average equity | $5,448,750 | 5,439 |
| Average total loans | $16,540,750 | 5,687 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8653% | 5,763 |
| Cost of funding earning assets | 0.2702% | 4,434 |
| Net interest margin | 2.5951% | 5,668 |
| Noninterest income to average assets | 0.1692% | 5,476 |
| Noninterest expense to average assets | 1.9977% | 5,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5173% | 4,611 |
| Return on assets (ROA) | 0.7017% | 3,933 |
| Pretax return on assets | 0.9080% | 3,927 |
| Return on Equity (ROE) | 6.3130% | 3,897 |
| Retained earnings to average equity (ytd only) | 6.3130% | 1,955 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9226% | 2,229 |
| Assets per employee ($millions) | 6.2409% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 4,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 32.8159% | 5,717 |
| Net loans and leases to deposits | 37.7877% | 5,749 |
| Net loans and leases to core deposits | 37.7877% | 5,791 |
| Total domestic deposits to total assets | 86.8428% | 1,992 |
| Equity capital to assets | 11.0922% | 2,957 |
| Core capital (leverage) ratio | 10.8554% | 2,588 |
| Tier 1 risk-based capital ratio | 27.3130% | 628 |
| Total risk-based capital ratio | 28.0783% | 648 |
| Memoranda: | ||
| Average total assets | $48,456,000 | 5,494 |
| Average earning assets | $46,627,000 | 5,435 |
| Average equity | $5,385,670 | 5,503 |
| Average total loans | $16,437,000 | 5,758 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9053% | 5,777 |
| Cost of funding earning assets | 0.2617% | 4,592 |
| Net interest margin | 2.6435% | 5,675 |
| Noninterest income to average assets | 0.1676% | 5,486 |
| Noninterest expense to average assets | 1.8692% | 5,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7460% | 3,506 |
| Return on assets (ROA) | 0.7460% | 3,610 |
| Pretax return on assets | 0.8382% | 4,068 |
| Return on Equity (ROE) | 6.7050% | 3,616 |
| Retained earnings to average equity (ytd only) | 6.7050% | 2,027 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0402% | 3,297 |
| Assets per employee ($millions) | 5.9986% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 5,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 33.8578% | 5,724 |
| Net loans and leases to deposits | 38.4177% | 5,764 |
| Net loans and leases to core deposits | 38.4177% | 5,810 |
| Total domestic deposits to total assets | 88.1306% | 1,572 |
| Equity capital to assets | 11.3151% | 2,607 |
| Core capital (leverage) ratio | 10.9130% | 2,482 |
| Tier 1 risk-based capital ratio | 27.1842% | 662 |
| Total risk-based capital ratio | 27.9579% | 680 |
| Memoranda: | ||
| Average total assets | $47,720,500 | 5,562 |
| Average earning assets | $45,848,000 | 5,494 |
| Average equity | $5,309,500 | 5,554 |
| Average total loans | $16,390,000 | 5,810 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0584% | 5,682 |
| Cost of funding earning assets | 0.2717% | 4,565 |
| Net interest margin | 2.7867% | 5,539 |
| Noninterest income to average assets | 0.1917% | 5,442 |
| Noninterest expense to average assets | 2.1467% | 5,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5519% | 4,488 |
| Return on assets (ROA) | 0.5519% | 4,587 |
| Pretax return on assets | 0.7247% | 4,457 |
| Return on Equity (ROE) | 4.9931% | 4,507 |
| Retained earnings to average equity (ytd only) | 2.0773% | 4,544 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7616% | 2,464 |
| Assets per employee ($millions) | 5.2724% | 2,038 |
| Cash dividends to net income (ytd only)* | 58.3969% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 5,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 34.2198% | 5,767 |
| Net loans and leases to deposits | 38.6407% | 5,819 |
| Net loans and leases to core deposits | 38.6407% | 5,860 |
| Total domestic deposits to total assets | 88.5590% | 1,347 |
| Equity capital to assets | 10.9353% | 2,891 |
| Core capital (leverage) ratio | 10.7086% | 2,700 |
| Tier 1 risk-based capital ratio | 26.5093% | 702 |
| Total risk-based capital ratio | 27.2770% | 719 |
| Memoranda: | ||
| Average total assets | $47,468,800 | 5,601 |
| Average earning assets | $45,644,600 | 5,536 |
| Average equity | $5,247,200 | 5,592 |
| Average total loans | $16,699,000 | 5,843 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9819% | 5,822 |
| Cost of funding earning assets | 0.2714% | 4,651 |
| Net interest margin | 2.7106% | 5,711 |
| Noninterest income to average assets | 0.1882% | 5,533 |
| Noninterest expense to average assets | 2.0306% | 5,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5954% | 4,405 |
| Return on assets (ROA) | 0.5954% | 4,505 |
| Pretax return on assets | 0.7667% | 4,440 |
| Return on Equity (ROE) | 5.3720% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.3720% | 2,661 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5904% | 2,780 |
| Assets per employee ($millions) | 5.9394% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 5,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 33.8062% | 5,866 |
| Net loans and leases to deposits | 38.4328% | 5,914 |
| Net loans and leases to core deposits | 38.4328% | 5,960 |
| Total domestic deposits to total assets | 87.9617% | 1,585 |
| Equity capital to assets | 11.4090% | 2,577 |
| Core capital (leverage) ratio | 10.8900% | 2,600 |
| Tier 1 risk-based capital ratio | 26.8318% | 701 |
| Total risk-based capital ratio | 27.5935% | 722 |
| Memoranda: | ||
| Average total assets | $47,473,000 | 5,670 |
| Average earning assets | $45,696,500 | 5,605 |
| Average equity | $5,261,750 | 5,663 |
| Average total loans | $16,777,500 | 5,912 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9671% | 5,889 |
| Cost of funding earning assets | 0.2717% | 4,695 |
| Net interest margin | 2.6954% | 5,768 |
| Noninterest income to average assets | 0.1896% | 5,547 |
| Noninterest expense to average assets | 2.0734% | 5,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5942% | 4,375 |
| Return on assets (ROA) | 0.5942% | 4,466 |
| Pretax return on assets | 0.7080% | 4,631 |
| Return on Equity (ROE) | 5.4141% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.4141% | 2,591 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5455% | 2,608 |
| Assets per employee ($millions) | 6.0190% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8827% | 5,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 34.2810% | 5,894 |
| Net loans and leases to deposits | 38.6418% | 5,953 |
| Net loans and leases to core deposits | 38.6418% | 5,999 |
| Total domestic deposits to total assets | 88.7149% | 1,288 |
| Equity capital to assets | 10.8614% | 3,037 |
| Core capital (leverage) ratio | 10.7705% | 2,655 |
| Tier 1 risk-based capital ratio | 25.9566% | 782 |
| Total risk-based capital ratio | 26.7036% | 809 |
| Memoranda: | ||
| Average total assets | $47,459,000 | 5,735 |
| Average earning assets | $45,633,330 | 5,666 |
| Average equity | $5,208,670 | 5,726 |
| Average total loans | $16,966,670 | 5,965 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9487% | 5,947 |
| Cost of funding earning assets | 0.2737% | 4,740 |
| Net interest margin | 2.6750% | 5,836 |
| Noninterest income to average assets | 0.1868% | 5,590 |
| Noninterest expense to average assets | 1.9273% | 5,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7471% | 3,554 |
| Return on assets (ROA) | 0.7471% | 3,683 |
| Pretax return on assets | 0.8321% | 4,121 |
| Return on Equity (ROE) | 6.7718% | 3,622 |
| Retained earnings to average equity (ytd only) | 6.7718% | 2,113 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8462% | 3,517 |
| Assets per employee ($millions) | 5.9111% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8547% | 5,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 36.0612% | 5,825 |
| Net loans and leases to deposits | 40.9495% | 5,882 |
| Net loans and leases to core deposits | 40.9495% | 5,941 |
| Total domestic deposits to total assets | 88.0628% | 1,785 |
| Equity capital to assets | 11.3092% | 2,639 |
| Core capital (leverage) ratio | 10.7227% | 2,723 |
| Tier 1 risk-based capital ratio | 25.3752% | 846 |
| Total risk-based capital ratio | 26.1131% | 886 |
| Memoranda: | ||
| Average total assets | $47,112,500 | 5,791 |
| Average earning assets | $45,308,000 | 5,733 |
| Average equity | $5,198,000 | 5,781 |
| Average total loans | $17,123,000 | 6,010 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0164% | 6,049 |
| Cost of funding earning assets | 0.3046% | 4,747 |
| Net interest margin | 2.7118% | 5,921 |
| Noninterest income to average assets | 0.1852% | 5,746 |
| Noninterest expense to average assets | 2.2295% | 5,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4587% | 4,973 |
| Return on assets (ROA) | 0.4587% | 5,069 |
| Pretax return on assets | 0.5668% | 5,047 |
| Return on Equity (ROE) | 4.1804% | 5,038 |
| Retained earnings to average equity (ytd only) | 1.1054% | 5,278 |
| Net charge-offs to loans | -0.0122% | 5,598 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7319% | 1,973 |
| Assets per employee ($millions) | 5.2151% | 2,058 |
| Cash dividends to net income (ytd only)* | 73.5577% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 5,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 36.0043% | 5,954 |
| Net loans and leases to deposits | 40.5106% | 6,018 |
| Net loans and leases to core deposits | 40.5106% | 6,084 |
| Total domestic deposits to total assets | 88.8763% | 1,303 |
| Equity capital to assets | 10.7551% | 3,175 |
| Core capital (leverage) ratio | 10.6606% | 2,771 |
| Tier 1 risk-based capital ratio | 17.9437% | 2,155 |
| Total risk-based capital ratio | 18.4748% | 2,371 |
| Memoranda: | ||
| Average total assets | $45,346,000 | 5,895 |
| Average earning assets | $43,661,600 | 5,833 |
| Average equity | $4,975,600 | 5,856 |
| Average total loans | $16,329,200 | 6,113 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0102% | 6,128 |
| Cost of funding earning assets | 0.3105% | 4,776 |
| Net interest margin | 2.6996% | 6,003 |
| Noninterest income to average assets | 0.1691% | 5,912 |
| Noninterest expense to average assets | 2.1387% | 5,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5132% | 4,826 |
| Return on assets (ROA) | 0.5132% | 4,889 |
| Pretax return on assets | 0.6348% | 4,923 |
| Return on Equity (ROE) | 4.6527% | 4,876 |
| Retained earnings to average equity (ytd only) | 4.6527% | 3,322 |
| Net charge-offs to loans | -0.0082% | 5,392 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1123% | 2,337 |
| Assets per employee ($millions) | 5.7035% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8461% | 5,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 37.4967% | 5,966 |
| Net loans and leases to deposits | 42.3889% | 6,034 |
| Net loans and leases to core deposits | 42.3889% | 6,107 |
| Total domestic deposits to total assets | 88.4588% | 1,524 |
| Equity capital to assets | 11.2343% | 2,721 |
| Core capital (leverage) ratio | 11.1274% | 2,371 |
| Tier 1 risk-based capital ratio | 18.3995% | 2,087 |
| Total risk-based capital ratio | 18.9277% | 2,286 |
| Memoranda: | ||
| Average total assets | $44,948,500 | 5,976 |
| Average earning assets | $43,363,000 | 5,912 |
| Average equity | $4,957,500 | 5,924 |
| Average total loans | $16,150,000 | 6,187 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9807% | 6,201 |
| Cost of funding earning assets | 0.3147% | 4,830 |
| Net interest margin | 2.6660% | 6,089 |
| Noninterest income to average assets | 0.1699% | 5,936 |
| Noninterest expense to average assets | 2.1377% | 5,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5188% | 4,732 |
| Return on assets (ROA) | 0.5188% | 4,827 |
| Pretax return on assets | 0.6082% | 4,934 |
| Return on Equity (ROE) | 4.7334% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.7334% | 3,125 |
| Net charge-offs to loans | -0.0127% | 5,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8502% | 2,312 |
| Assets per employee ($millions) | 5.7350% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8981% | 5,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 35.1133% | 6,100 |
| Net loans and leases to deposits | 39.6427% | 6,169 |
| Net loans and leases to core deposits | 39.6427% | 6,232 |
| Total domestic deposits to total assets | 88.5745% | 1,597 |
| Equity capital to assets | 11.1094% | 2,777 |
| Core capital (leverage) ratio | 11.1436% | 2,295 |
| Tier 1 risk-based capital ratio | 18.5741% | 2,045 |
| Total risk-based capital ratio | 19.1134% | 2,257 |
| Memoranda: | ||
| Average total assets | $44,722,000 | 6,040 |
| Average earning assets | $43,211,000 | 5,972 |
| Average equity | $4,901,330 | 5,978 |
| Average total loans | $15,781,670 | 6,259 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0027% | 6,243 |
| Cost of funding earning assets | 0.3284% | 4,755 |
| Net interest margin | 2.6742% | 6,136 |
| Noninterest income to average assets | 0.1812% | 5,879 |
| Noninterest expense to average assets | 2.0388% | 5,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6252% | 4,065 |
| Return on assets (ROA) | 0.6252% | 4,151 |
| Pretax return on assets | 0.7249% | 4,402 |
| Return on Equity (ROE) | 5.7458% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.7458% | 2,670 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7705% | 3,186 |
| Assets per employee ($millions) | 5.5734% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 5,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 34.4046% | 6,159 |
| Net loans and leases to deposits | 38.6690% | 6,217 |
| Net loans and leases to core deposits | 38.6690% | 6,287 |
| Total domestic deposits to total assets | 88.9721% | 1,682 |
| Equity capital to assets | 10.9494% | 2,765 |
| Core capital (leverage) ratio | 11.2001% | 2,224 |
| Tier 1 risk-based capital ratio | 18.8501% | 2,012 |
| Total risk-based capital ratio | 19.3989% | 2,203 |
| Memoranda: | ||
| Average total assets | $44,143,000 | 6,113 |
| Average earning assets | $42,629,000 | 6,039 |
| Average equity | $4,803,500 | 6,045 |
| Average total loans | $15,544,500 | 6,327 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0276% | 6,318 |
| Cost of funding earning assets | 0.4116% | 4,524 |
| Net interest margin | 2.6160% | 6,247 |
| Noninterest income to average assets | 0.2840% | 5,325 |
| Noninterest expense to average assets | 2.3397% | 5,258 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4180% | 5,088 |
| Return on assets (ROA) | 0.4180% | 5,199 |
| Pretax return on assets | 0.4566% | 5,338 |
| Return on Equity (ROE) | 3.6787% | 5,248 |
| Retained earnings to average equity (ytd only) | 0.6198% | 5,555 |
| Net charge-offs to loans | -0.0063% | 5,955 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6718% | 1,663 |
| Assets per employee ($millions) | 5.4624% | 1,687 |
| Cash dividends to net income (ytd only)* | 83.1522% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 5,825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 35.3761% | 6,229 |
| Net loans and leases to deposits | 39.7016% | 6,314 |
| Net loans and leases to core deposits | 39.7016% | 6,372 |
| Total domestic deposits to total assets | 89.1050% | 1,551 |
| Equity capital to assets | 10.8126% | 2,802 |
| Core capital (leverage) ratio | 11.2292% | 2,172 |
| Tier 1 risk-based capital ratio | 18.5983% | 2,052 |
| Total risk-based capital ratio | 19.1473% | 2,237 |
| Memoranda: | ||
| Average total assets | $44,021,800 | 6,178 |
| Average earning assets | $42,278,400 | 6,099 |
| Average equity | $5,001,800 | 6,067 |
| Average total loans | $15,845,600 | 6,381 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0432% | 6,377 |
| Cost of funding earning assets | 0.4253% | 4,551 |
| Net interest margin | 2.6179% | 6,296 |
| Noninterest income to average assets | 0.2298% | 5,789 |
| Noninterest expense to average assets | 2.2281% | 5,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4656% | 4,950 |
| Return on assets (ROA) | 0.4656% | 5,095 |
| Pretax return on assets | 0.5139% | 5,312 |
| Return on Equity (ROE) | 4.0491% | 5,202 |
| Retained earnings to average equity (ytd only) | 4.0491% | 3,812 |
| Net charge-offs to loans | -0.0084% | 5,856 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2569% | 1,941 |
| Assets per employee ($millions) | 5.4094% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 6,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 36.3790% | 6,263 |
| Net loans and leases to deposits | 41.0712% | 6,347 |
| Net loans and leases to core deposits | 41.0712% | 6,416 |
| Total domestic deposits to total assets | 88.5754% | 1,794 |
| Equity capital to assets | 11.3437% | 2,437 |
| Core capital (leverage) ratio | 11.5199% | 2,024 |
| Tier 1 risk-based capital ratio | 18.9842% | 1,996 |
| Total risk-based capital ratio | 19.5310% | 2,185 |
| Memoranda: | ||
| Average total assets | $44,102,500 | 6,242 |
| Average earning assets | $42,323,000 | 6,169 |
| Average equity | $5,071,000 | 6,120 |
| Average total loans | $15,906,000 | 6,442 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0301% | 6,418 |
| Cost of funding earning assets | 0.4383% | 4,565 |
| Net interest margin | 2.5918% | 6,345 |
| Noninterest income to average assets | 0.2118% | 5,926 |
| Noninterest expense to average assets | 2.2984% | 5,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3831% | 5,277 |
| Return on assets (ROA) | 0.3831% | 5,444 |
| Pretax return on assets | 0.3921% | 5,655 |
| Return on Equity (ROE) | 3.3171% | 5,497 |
| Retained earnings to average equity (ytd only) | 3.3171% | 4,199 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4271% | 1,469 |
| Assets per employee ($millions) | 5.4155% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 6,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 37.2103% | 6,225 |
| Net loans and leases to deposits | 42.0058% | 6,329 |
| Net loans and leases to core deposits | 42.0058% | 6,406 |
| Total domestic deposits to total assets | 88.5837% | 1,865 |
| Equity capital to assets | 11.2801% | 2,491 |
| Core capital (leverage) ratio | 11.3462% | 2,064 |
| Tier 1 risk-based capital ratio | 18.5285% | 2,129 |
| Total risk-based capital ratio | 19.0657% | 2,354 |
| Memoranda: | ||
| Average total assets | $44,378,330 | 6,280 |
| Average earning assets | $42,441,000 | 6,205 |
| Average equity | $5,125,000 | 6,150 |
| Average total loans | $15,912,000 | 6,478 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9967% | 6,522 |
| Cost of funding earning assets | 0.4388% | 4,717 |
| Net interest margin | 2.5579% | 6,428 |
| Noninterest income to average assets | 0.2227% | 5,891 |
| Noninterest expense to average assets | 2.0844% | 5,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5612% | 4,404 |
| Return on assets (ROA) | 0.5612% | 4,561 |
| Pretax return on assets | 0.5790% | 5,027 |
| Return on Equity (ROE) | 4.8055% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.8055% | 3,351 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2609% | 2,565 |
| Assets per employee ($millions) | 4.9506% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 6,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 35.1835% | 6,355 |
| Net loans and leases to deposits | 40.1671% | 6,409 |
| Net loans and leases to core deposits | 40.1671% | 6,474 |
| Total domestic deposits to total assets | 87.5929% | 2,578 |
| Equity capital to assets | 11.7989% | 2,177 |
| Core capital (leverage) ratio | 11.2030% | 2,094 |
| Tier 1 risk-based capital ratio | 18.5196% | 2,185 |
| Total risk-based capital ratio | 19.0590% | 2,404 |
| Memoranda: | ||
| Average total assets | $44,905,500 | 6,320 |
| Average earning assets | $42,847,000 | 6,249 |
| Average equity | $5,244,000 | 6,174 |
| Average total loans | $15,735,500 | 6,545 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3630% | 6,526 |
| Cost of funding earning assets | 0.5788% | 4,552 |
| Net interest margin | 2.7842% | 6,400 |
| Noninterest income to average assets | 0.1997% | 5,992 |
| Noninterest expense to average assets | 2.2618% | 5,783 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4600% | 4,839 |
| Return on assets (ROA) | 0.4600% | 5,089 |
| Pretax return on assets | 0.5497% | 5,137 |
| Return on Equity (ROE) | 3.9143% | 5,178 |
| Retained earnings to average equity (ytd only) | 0.9929% | 5,381 |
| Net charge-offs to loans | 0.0128% | 5,738 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 122.5000% | 325 |
| Efficiency ratio | 80.4469% | 2,090 |
| Assets per employee ($millions) | 5.6570% | 1,559 |
| Cash dividends to net income (ytd only)* | 74.6341% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 6,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 34.2651% | 6,536 |
| Net loans and leases to deposits | 39.0319% | 6,596 |
| Net loans and leases to core deposits | 39.0319% | 6,642 |
| Total domestic deposits to total assets | 87.7873% | 2,357 |
| Equity capital to assets | 11.5587% | 2,391 |
| Core capital (leverage) ratio | 10.8747% | 2,366 |
| Tier 1 risk-based capital ratio | 18.4216% | 2,127 |
| Total risk-based capital ratio | 18.9651% | 2,337 |
| Memoranda: | ||
| Average total assets | $44,566,800 | 6,358 |
| Average earning assets | $41,807,400 | 6,310 |
| Average equity | $5,237,200 | 6,230 |
| Average total loans | $15,676,000 | 6,617 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4424% | 6,573 |
| Cost of funding earning assets | 0.5962% | 4,690 |
| Net interest margin | 2.8462% | 6,444 |
| Noninterest income to average assets | 0.1922% | 6,145 |
| Noninterest expense to average assets | 2.2164% | 5,914 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5286% | 4,719 |
| Return on assets (ROA) | 0.5286% | 4,987 |
| Pretax return on assets | 0.6427% | 5,044 |
| Return on Equity (ROE) | 4.4793% | 5,049 |
| Retained earnings to average equity (ytd only) | 4.4793% | 3,746 |
| Net charge-offs to loans | 0.0170% | 5,446 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 106.8652% | 398 |
| Efficiency ratio | 77.5210% | 2,453 |
| Assets per employee ($millions) | 5.6248% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 6,329 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 34.5304% | 6,634 |
| Net loans and leases to deposits | 39.5168% | 6,693 |
| Net loans and leases to core deposits | 39.5168% | 6,760 |
| Total domestic deposits to total assets | 87.3817% | 2,440 |
| Equity capital to assets | 11.9428% | 2,311 |
| Core capital (leverage) ratio | 11.3331% | 2,109 |
| Tier 1 risk-based capital ratio | 18.8787% | 2,047 |
| Total risk-based capital ratio | 19.4220% | 2,252 |
| Memoranda: | ||
| Average total assets | $44,394,500 | 6,437 |
| Average earning assets | $41,597,750 | 6,395 |
| Average equity | $5,238,750 | 6,294 |
| Average total loans | $15,682,250 | 6,706 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4867% | 6,622 |
| Cost of funding earning assets | 0.6102% | 4,809 |
| Net interest margin | 2.8765% | 6,456 |
| Noninterest income to average assets | 0.1946% | 6,167 |
| Noninterest expense to average assets | 2.2673% | 5,824 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5295% | 4,679 |
| Return on assets (ROA) | 0.5295% | 4,957 |
| Pretax return on assets | 0.6155% | 5,084 |
| Return on Equity (ROE) | 4.5055% | 5,039 |
| Retained earnings to average equity (ytd only) | 4.5055% | 3,607 |
| Net charge-offs to loans | 0.0383% | 4,837 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 45.3333% | 793 |
| Efficiency ratio | 78.6499% | 2,379 |
| Assets per employee ($millions) | 5.6251% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 6,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 35.3925% | 6,645 |
| Net loans and leases to deposits | 40.4115% | 6,721 |
| Net loans and leases to core deposits | 40.4115% | 6,793 |
| Total domestic deposits to total assets | 87.5803% | 2,412 |
| Equity capital to assets | 11.7575% | 2,358 |
| Core capital (leverage) ratio | 11.2132% | 2,116 |
| Tier 1 risk-based capital ratio | 18.4048% | 2,159 |
| Total risk-based capital ratio | 18.9370% | 2,370 |
| Memoranda: | ||
| Average total assets | $44,193,330 | 6,483 |
| Average earning assets | $41,299,670 | 6,439 |
| Average equity | $5,193,670 | 6,336 |
| Average total loans | $15,682,330 | 6,755 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5226% | 6,668 |
| Cost of funding earning assets | 0.6148% | 5,012 |
| Net interest margin | 2.9079% | 6,475 |
| Noninterest income to average assets | 0.1918% | 6,234 |
| Noninterest expense to average assets | 2.0644% | 6,352 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7216% | 3,772 |
| Return on assets (ROA) | 0.7216% | 3,995 |
| Pretax return on assets | 0.8495% | 4,232 |
| Return on Equity (ROE) | 6.1419% | 4,218 |
| Retained earnings to average equity (ytd only) | 6.1419% | 2,878 |
| Net charge-offs to loans | 0.0775% | 3,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 896 |
| Efficiency ratio | 70.8464% | 3,651 |
| Assets per employee ($millions) | 5.5276% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 6,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 34.2733% | 6,725 |
| Net loans and leases to deposits | 39.0367% | 6,782 |
| Net loans and leases to core deposits | 39.0367% | 6,848 |
| Total domestic deposits to total assets | 87.7977% | 2,458 |
| Equity capital to assets | 11.6483% | 2,305 |
| Core capital (leverage) ratio | 11.4542% | 1,925 |
| Tier 1 risk-based capital ratio | 18.6940% | 2,079 |
| Total risk-based capital ratio | 19.2388% | 2,271 |
| Memoranda: | ||
| Average total assets | $43,789,500 | 6,541 |
| Average earning assets | $40,992,000 | 6,491 |
| Average equity | $5,145,000 | 6,385 |
| Average total loans | $15,488,500 | 6,822 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9265% | 6,580 |
| Cost of funding earning assets | 0.7367% | 5,300 |
| Net interest margin | 3.1898% | 6,124 |
| Noninterest income to average assets | 0.2375% | 5,840 |
| Noninterest expense to average assets | 2.5655% | 5,226 |
| Loan and lease loss provision to assets | 0.1211% | 5,089 |
| Net operating income to assets | 0.4400% | 4,688 |
| Return on assets (ROA) | 0.4400% | 4,899 |
| Pretax return on assets | 0.5448% | 4,857 |
| Return on Equity (ROE) | 3.7700% | 4,968 |
| Retained earnings to average equity (ytd only) | 0.7181% | 5,513 |
| Net charge-offs to loans | 0.1823% | 4,693 |
| Credit loss provision to net charge-offs | 179.3103% | 1,456 |
| Earnings coverage of net charge-offs (x) | 9.8621% | 1,919 |
| Efficiency ratio | 79.3948% | 2,387 |
| Assets per employee ($millions) | 5.4198% | 1,722 |
| Cash dividends to net income (ytd only)* | 80.9524% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 6,459 |
| Loan loss allowance to noncurrent loans | 3,650.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 6,968 |
| Noncurrent loans to loans | 0.0255% | 6,762 |
| Net loans and leases to total assets | 35.8227% | 6,778 |
| Net loans and leases to deposits | 40.9362% | 6,834 |
| Net loans and leases to core deposits | 40.9362% | 6,920 |
| Total domestic deposits to total assets | 87.5086% | 2,461 |
| Equity capital to assets | 11.8525% | 2,234 |
| Core capital (leverage) ratio | 11.2859% | 2,050 |
| Tier 1 risk-based capital ratio | 18.3323% | 2,097 |
| Total risk-based capital ratio | 18.8867% | 2,291 |
| Memoranda: | ||
| Average total assets | $42,955,000 | 6,566 |
| Average earning assets | $40,315,800 | 6,516 |
| Average equity | $5,013,200 | 6,444 |
| Average total loans | $15,903,800 | 6,855 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 6,627 |
| Cost of funding earning assets | 0.7452% | 5,492 |
| Net interest margin | 3.2312% | 6,074 |
| Noninterest income to average assets | 0.2271% | 5,990 |
| Noninterest expense to average assets | 2.4983% | 5,468 |
| Loan and lease loss provision to assets | 0.1618% | 4,447 |
| Net operating income to assets | 0.4822% | 4,619 |
| Return on assets (ROA) | 0.4822% | 4,818 |
| Pretax return on assets | 0.6160% | 4,755 |
| Return on Equity (ROE) | 4.1483% | 4,937 |
| Retained earnings to average equity (ytd only) | 4.1483% | 3,777 |
| Net charge-offs to loans | 0.3509% | 3,338 |
| Credit loss provision to net charge-offs | 123.8095% | 2,601 |
| Earnings coverage of net charge-offs (x) | 5.9523% | 2,661 |
| Efficiency ratio | 76.2583% | 2,807 |
| Assets per employee ($millions) | 5.4309% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 6,769 |
| Loan loss allowance to noncurrent loans | 250.9434% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 6,743 |
| Noncurrent loans to loans | 0.3286% | 6,196 |
| Net loans and leases to total assets | 36.8150% | 6,831 |
| Net loans and leases to deposits | 42.2344% | 6,900 |
| Net loans and leases to core deposits | 42.8178% | 6,957 |
| Total domestic deposits to total assets | 87.1683% | 2,544 |
| Equity capital to assets | 12.1504% | 2,145 |
| Core capital (leverage) ratio | 11.5602% | 1,979 |
| Tier 1 risk-based capital ratio | 18.9281% | 1,962 |
| Total risk-based capital ratio | 19.4369% | 2,155 |
| Memoranda: | ||
| Average total assets | $42,854,250 | 6,634 |
| Average earning assets | $40,438,000 | 6,565 |
| Average equity | $4,981,750 | 6,507 |
| Average total loans | $15,960,250 | 6,919 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8869% | 6,821 |
| Cost of funding earning assets | 0.7615% | 5,617 |
| Net interest margin | 3.1255% | 6,356 |
| Noninterest income to average assets | 0.2297% | 6,014 |
| Noninterest expense to average assets | 2.6584% | 4,975 |
| Loan and lease loss provision to assets | 0.2438% | 3,467 |
| Net operating income to assets | 0.2485% | 5,566 |
| Return on assets (ROA) | 0.2485% | 5,690 |
| Pretax return on assets | 0.2719% | 5,740 |
| Return on Equity (ROE) | 2.1709% | 5,736 |
| Retained earnings to average equity (ytd only) | 2.1709% | 4,907 |
| Net charge-offs to loans | 0.5533% | 2,444 |
| Credit loss provision to net charge-offs | 118.1818% | 2,600 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,574 |
| Efficiency ratio | 83.7518% | 1,846 |
| Assets per employee ($millions) | 4.8559% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8014% | 6,861 |
| Loan loss allowance to noncurrent loans | 222.0339% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 6,750 |
| Noncurrent loans to loans | 0.3609% | 6,185 |
| Net loans and leases to total assets | 37.1027% | 6,903 |
| Net loans and leases to deposits | 42.2596% | 6,980 |
| Net loans and leases to core deposits | 43.5396% | 7,023 |
| Total domestic deposits to total assets | 87.7972% | 2,282 |
| Equity capital to assets | 11.6331% | 2,382 |
| Core capital (leverage) ratio | 11.2693% | 2,067 |
| Tier 1 risk-based capital ratio | 18.5594% | 1,984 |
| Total risk-based capital ratio | 19.0613% | 2,188 |
| Memoranda: | ||
| Average total assets | $42,656,670 | 6,694 |
| Average earning assets | $40,186,000 | 6,631 |
| Average equity | $4,882,670 | 6,571 |
| Average total loans | $15,904,330 | 6,985 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9106% | 6,808 |
| Cost of funding earning assets | 0.7781% | 5,683 |
| Net interest margin | 3.1325% | 6,261 |
| Noninterest income to average assets | 0.2468% | 5,923 |
| Noninterest expense to average assets | 2.6107% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4937% | 4,511 |
| Return on assets (ROA) | 0.4937% | 4,596 |
| Pretax return on assets | 0.5791% | 4,765 |
| Return on Equity (ROE) | 4.3496% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.3496% | 3,559 |
| Net charge-offs to loans | -0.0255% | 6,651 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8452% | 2,250 |
| Assets per employee ($millions) | 4.6616% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7864% | 6,947 |
| Loan loss allowance to noncurrent loans | 119.2308% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 6,562 |
| Noncurrent loans to loans | 0.6596% | 5,710 |
| Net loans and leases to total assets | 37.2885% | 6,943 |
| Net loans and leases to deposits | 42.2742% | 7,011 |
| Net loans and leases to core deposits | 43.2932% | 7,064 |
| Total domestic deposits to total assets | 88.2061% | 2,260 |
| Equity capital to assets | 11.5460% | 2,227 |
| Core capital (leverage) ratio | 11.5598% | 1,813 |
| Tier 1 risk-based capital ratio | 19.1341% | 1,767 |
| Total risk-based capital ratio | 19.6240% | 1,950 |
| Memoranda: | ||
| Average total assets | $42,133,500 | 6,755 |
| Average earning assets | $39,584,500 | 6,700 |
| Average equity | $4,782,000 | 6,623 |
| Average total loans | $15,683,500 | 7,048 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3311% | 6,730 |
| Cost of funding earning assets | 0.8938% | 6,194 |
| Net interest margin | 3.4373% | 5,485 |
| Noninterest income to average assets | 0.2599% | 5,938 |
| Noninterest expense to average assets | 2.7306% | 4,850 |
| Loan and lease loss provision to assets | 0.1077% | 6,069 |
| Net operating income to assets | 0.4496% | 4,319 |
| Return on assets (ROA) | 0.4496% | 4,481 |
| Pretax return on assets | 0.5738% | 4,409 |
| Return on Equity (ROE) | 3.8663% | 4,584 |
| Retained earnings to average equity (ytd only) | 0.7853% | 5,163 |
| Net charge-offs to loans | 0.5199% | 3,544 |
| Credit loss provision to net charge-offs | 54.1176% | 6,197 |
| Earnings coverage of net charge-offs (x) | 3.4235% | 3,370 |
| Efficiency ratio | 80.0275% | 2,412 |
| Assets per employee ($millions) | 3.8466% | 4,137 |
| Cash dividends to net income (ytd only)* | 79.6875% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 6,991 |
| Loan loss allowance to noncurrent loans | 105.1282% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 6,563 |
| Noncurrent loans to loans | 0.7500% | 5,545 |
| Net loans and leases to total assets | 36.5750% | 7,132 |
| Net loans and leases to deposits | 41.2374% | 7,215 |
| Net loans and leases to core deposits | 42.2115% | 7,251 |
| Total domestic deposits to total assets | 88.6938% | 1,827 |
| Equity capital to assets | 11.1550% | 2,547 |
| Core capital (leverage) ratio | 11.3190% | 1,944 |
| Tier 1 risk-based capital ratio | 18.9805% | 1,730 |
| Total risk-based capital ratio | 19.4677% | 1,896 |
| Memoranda: | ||
| Average total assets | $42,700,600 | 6,778 |
| Average earning assets | $39,158,400 | 6,753 |
| Average equity | $4,966,000 | 6,674 |
| Average total loans | $16,350,200 | 7,099 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 6,748 |
| Cost of funding earning assets | 0.9084% | 6,368 |
| Net interest margin | 3.5315% | 5,177 |
| Noninterest income to average assets | 0.2555% | 6,074 |
| Noninterest expense to average assets | 2.6325% | 5,186 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5919% | 3,911 |
| Return on assets (ROA) | 0.5919% | 4,073 |
| Pretax return on assets | 0.8567% | 3,710 |
| Return on Equity (ROE) | 5.0389% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.0389% | 2,960 |
| Net charge-offs to loans | 0.4998% | 3,280 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 4.4358% | 3,051 |
| Efficiency ratio | 75.4464% | 3,050 |
| Assets per employee ($millions) | 3.9028% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6248% | 7,314 |
| Loan loss allowance to noncurrent loans | 84.7458% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 6,691 |
| Noncurrent loans to loans | 0.7373% | 5,730 |
| Net loans and leases to total assets | 37.0478% | 7,226 |
| Net loans and leases to deposits | 42.6065% | 7,286 |
| Net loans and leases to core deposits | 43.6112% | 7,334 |
| Total domestic deposits to total assets | 86.9535% | 2,558 |
| Equity capital to assets | 12.2825% | 1,987 |
| Core capital (leverage) ratio | 11.5434% | 1,914 |
| Tier 1 risk-based capital ratio | 19.6221% | 1,623 |
| Total risk-based capital ratio | 20.0191% | 1,769 |
| Memoranda: | ||
| Average total assets | $42,797,500 | 6,858 |
| Average earning assets | $39,189,250 | 6,825 |
| Average equity | $5,027,500 | 6,746 |
| Average total loans | $16,538,000 | 7,186 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 6,766 |
| Cost of funding earning assets | 0.9214% | 6,492 |
| Net interest margin | 3.5496% | 5,048 |
| Noninterest income to average assets | 0.2620% | 6,040 |
| Noninterest expense to average assets | 2.6712% | 5,030 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6269% | 3,747 |
| Return on assets (ROA) | 0.6269% | 3,887 |
| Pretax return on assets | 0.8888% | 3,545 |
| Return on Equity (ROE) | 5.4189% | 4,084 |
| Retained earnings to average equity (ytd only) | 5.4189% | 2,665 |
| Net charge-offs to loans | -0.0120% | 7,224 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0329% | 3,255 |
| Assets per employee ($millions) | 3.9568% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 6,452 |
| Loan loss allowance to noncurrent loans | 144.2478% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 6,208 |
| Noncurrent loans to loans | 0.6858% | 5,878 |
| Net loans and leases to total assets | 37.4819% | 7,293 |
| Net loans and leases to deposits | 42.7213% | 7,368 |
| Net loans and leases to core deposits | 43.6986% | 7,408 |
| Total domestic deposits to total assets | 87.7358% | 2,144 |
| Equity capital to assets | 11.6921% | 2,285 |
| Core capital (leverage) ratio | 11.4334% | 1,948 |
| Tier 1 risk-based capital ratio | 19.5653% | 1,589 |
| Total risk-based capital ratio | 20.2177% | 1,696 |
| Memoranda: | ||
| Average total assets | $42,753,000 | 6,913 |
| Average earning assets | $39,723,000 | 6,854 |
| Average equity | $4,945,670 | 6,795 |
| Average total loans | $16,715,670 | 7,237 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 7,020 |
| Cost of funding earning assets | 0.9472% | 6,593 |
| Net interest margin | 3.4361% | 5,444 |
| Noninterest income to average assets | 0.2738% | 5,965 |
| Noninterest expense to average assets | 2.5114% | 5,687 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7553% | 3,186 |
| Return on assets (ROA) | 0.7553% | 3,294 |
| Pretax return on assets | 0.9819% | 3,156 |
| Return on Equity (ROE) | 6.5654% | 3,591 |
| Retained earnings to average equity (ytd only) | 6.5654% | 2,340 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8919% | 3,949 |
| Assets per employee ($millions) | 3.8675% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 6,622 |
| Loan loss allowance to noncurrent loans | 88.5246% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.6770% | 5,821 |
| Noncurrent loans to loans | 1.0906% | 5,179 |
| Net loans and leases to total assets | 39.0617% | 7,305 |
| Net loans and leases to deposits | 44.3798% | 7,389 |
| Net loans and leases to core deposits | 45.3994% | 7,448 |
| Total domestic deposits to total assets | 88.0168% | 2,047 |
| Equity capital to assets | 11.5507% | 2,323 |
| Core capital (leverage) ratio | 11.5106% | 1,905 |
| Tier 1 risk-based capital ratio | 19.3794% | 1,643 |
| Total risk-based capital ratio | 20.0289% | 1,739 |
| Memoranda: | ||
| Average total assets | $42,367,000 | 7,003 |
| Average earning assets | $39,696,000 | 6,939 |
| Average equity | $4,874,000 | 6,887 |
| Average total loans | $16,835,000 | 7,324 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6948% | 7,144 |
| Cost of funding earning assets | 1.1873% | 6,699 |
| Net interest margin | 3.5075% | 4,922 |
| Noninterest income to average assets | 0.3008% | 5,945 |
| Noninterest expense to average assets | 2.9605% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5170% | 3,663 |
| Return on assets (ROA) | 0.5170% | 3,758 |
| Pretax return on assets | 0.7035% | 3,560 |
| Return on Equity (ROE) | 4.2215% | 3,995 |
| Retained earnings to average equity (ytd only) | 1.1163% | 4,265 |
| Net charge-offs to loans | 0.0460% | 6,645 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 35.3750% | 665 |
| Efficiency ratio | 80.8005% | 2,773 |
| Assets per employee ($millions) | 3.8355% | 4,195 |
| Cash dividends to net income (ytd only)* | 73.5577% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 6,585 |
| Loan loss allowance to noncurrent loans | 54.7297% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 0.9504% | 5,207 |
| Noncurrent loans to loans | 1.7525% | 4,010 |
| Net loans and leases to total assets | 39.6483% | 7,368 |
| Net loans and leases to deposits | 44.9907% | 7,481 |
| Net loans and leases to core deposits | 46.5883% | 7,655 |
| Total domestic deposits to total assets | 88.1254% | 1,911 |
| Equity capital to assets | 11.4574% | 2,347 |
| Core capital (leverage) ratio | 11.6323% | 1,850 |
| Tier 1 risk-based capital ratio | 19.0495% | 1,646 |
| Total risk-based capital ratio | 19.6987% | 1,726 |
| Memoranda: | ||
| Average total assets | $40,230,000 | 7,086 |
| Average earning assets | $38,574,200 | 6,992 |
| Average equity | $4,927,200 | 6,968 |
| Average total loans | $17,387,200 | 7,335 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 7,140 |
| Cost of funding earning assets | 1.2165% | 6,847 |
| Net interest margin | 3.5729% | 4,580 |
| Noninterest income to average assets | 0.2885% | 6,172 |
| Noninterest expense to average assets | 2.8887% | 4,506 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6106% | 3,575 |
| Return on assets (ROA) | 0.6106% | 3,620 |
| Pretax return on assets | 0.8388% | 3,414 |
| Return on Equity (ROE) | 4.9017% | 4,007 |
| Retained earnings to average equity (ytd only) | 4.9017% | 2,554 |
| Net charge-offs to loans | -0.0152% | 7,731 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4977% | 3,237 |
| Assets per employee ($millions) | 3.6517% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 6,366 |
| Loan loss allowance to noncurrent loans | 41.9512% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 1.0207% | 5,034 |
| Noncurrent loans to loans | 2.3567% | 3,200 |
| Net loans and leases to total assets | 42.8813% | 7,316 |
| Net loans and leases to deposits | 49.3397% | 7,439 |
| Net loans and leases to core deposits | 51.5518% | 7,655 |
| Total domestic deposits to total assets | 86.9103% | 2,223 |
| Equity capital to assets | 12.5246% | 1,939 |
| Core capital (leverage) ratio | 12.1282% | 1,745 |
| Tier 1 risk-based capital ratio | 19.9151% | 1,577 |
| Total risk-based capital ratio | 20.6169% | 1,634 |
| Memoranda: | ||
| Average total assets | $39,739,750 | 7,164 |
| Average earning assets | $38,250,250 | 7,061 |
| Average equity | $4,950,500 | 7,019 |
| Average total loans | $17,511,500 | 7,396 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8665% | 7,103 |
| Cost of funding earning assets | 1.2496% | 6,964 |
| Net interest margin | 3.6169% | 4,293 |
| Noninterest income to average assets | 0.2930% | 6,166 |
| Noninterest expense to average assets | 3.0154% | 4,023 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5960% | 3,695 |
| Return on assets (ROA) | 0.5960% | 3,801 |
| Pretax return on assets | 0.7425% | 3,858 |
| Return on Equity (ROE) | 4.7932% | 4,171 |
| Retained earnings to average equity (ytd only) | 4.7932% | 2,645 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2419% | 3,007 |
| Assets per employee ($millions) | 3.6589% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 6,382 |
| Loan loss allowance to noncurrent loans | 41.7690% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 1.0112% | 4,946 |
| Noncurrent loans to loans | 2.3450% | 3,085 |
| Net loans and leases to total assets | 42.7003% | 7,408 |
| Net loans and leases to deposits | 48.8808% | 7,529 |
| Net loans and leases to core deposits | 50.8477% | 7,747 |
| Total domestic deposits to total assets | 87.3559% | 2,069 |
| Equity capital to assets | 12.1671% | 2,115 |
| Core capital (leverage) ratio | 12.2271% | 1,733 |
| Tier 1 risk-based capital ratio | 19.4862% | 1,678 |
| Total risk-based capital ratio | 20.1739% | 1,750 |
| Memoranda: | ||
| Average total assets | $39,596,670 | 7,225 |
| Average earning assets | $37,932,670 | 7,129 |
| Average equity | $4,923,670 | 7,091 |
| Average total loans | $17,549,670 | 7,460 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0153% | 6,893 |
| Cost of funding earning assets | 1.2724% | 7,109 |
| Net interest margin | 3.7429% | 3,687 |
| Noninterest income to average assets | 0.3158% | 5,916 |
| Noninterest expense to average assets | 2.7399% | 4,825 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9371% | 2,558 |
| Return on assets (ROA) | 0.9371% | 2,688 |
| Pretax return on assets | 1.1713% | 2,719 |
| Return on Equity (ROE) | 7.4539% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.4539% | 2,041 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0521% | 4,568 |
| Assets per employee ($millions) | 3.5793% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 6,398 |
| Loan loss allowance to noncurrent loans | 74.5614% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 5,737 |
| Noncurrent loans to loans | 1.2942% | 4,389 |
| Net loans and leases to total assets | 44.3132% | 7,311 |
| Net loans and leases to deposits | 50.9119% | 7,459 |
| Net loans and leases to core deposits | 52.6845% | 7,710 |
| Total domestic deposits to total assets | 87.0390% | 2,198 |
| Equity capital to assets | 12.4556% | 2,000 |
| Core capital (leverage) ratio | 12.3070% | 1,755 |
| Tier 1 risk-based capital ratio | 19.0740% | 1,797 |
| Total risk-based capital ratio | 19.7508% | 1,893 |
| Memoranda: | ||
| Average total assets | $39,271,000 | 7,284 |
| Average earning assets | $37,724,500 | 7,187 |
| Average equity | $4,937,000 | 7,134 |
| Average total loans | $17,646,500 | 7,500 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3788% | 7,491 |
| Cost of funding earning assets | 1.7875% | 7,037 |
| Net interest margin | 3.5913% | 4,928 |
| Noninterest income to average assets | 0.4346% | 5,176 |
| Noninterest expense to average assets | 2.9718% | 4,178 |
| Loan and lease loss provision to assets | 0.0156% | 7,185 |
| Net operating income to assets | 0.6272% | 4,198 |
| Return on assets (ROA) | 0.6272% | 4,045 |
| Pretax return on assets | 0.9030% | 3,711 |
| Return on Equity (ROE) | 4.9870% | 4,398 |
| Retained earnings to average equity (ytd only) | 1.8210% | 4,100 |
| Net charge-offs to loans | 0.1236% | 4,999 |
| Credit loss provision to net charge-offs | 27.2727% | 6,546 |
| Earnings coverage of net charge-offs (x) | 16.0455% | 1,879 |
| Efficiency ratio | 76.3880% | 3,172 |
| Assets per employee ($millions) | 3.5609% | 4,522 |
| Cash dividends to net income (ytd only)* | 63.4855% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 6,327 |
| Loan loss allowance to noncurrent loans | 128.7879% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 6,260 |
| Noncurrent loans to loans | 0.7468% | 5,160 |
| Net loans and leases to total assets | 44.6924% | 7,425 |
| Net loans and leases to deposits | 51.6081% | 7,557 |
| Net loans and leases to core deposits | 53.5843% | 7,814 |
| Total domestic deposits to total assets | 86.5994% | 2,142 |
| Equity capital to assets | 12.6883% | 1,925 |
| Core capital (leverage) ratio | 12.2016% | 1,881 |
| Tier 1 risk-based capital ratio | 18.9108% | 1,834 |
| Total risk-based capital ratio | 19.5951% | 1,898 |
| Memoranda: | ||
| Average total assets | $38,427,600 | 7,287 |
| Average earning assets | $36,978,600 | 7,192 |
| Average equity | $4,832,600 | 7,199 |
| Average total loans | $17,793,600 | 7,471 |