Home > Tallahatchie County Bank > Performance and Condition Ratios
Tallahatchie County Bank, Performance and Condition Ratios
| 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 | 3.4380% | 4,881 |
| Cost of funding earning assets | 0.1625% | 5,197 |
| Net interest margin | 3.2755% | 4,229 |
| Noninterest income to average assets | 0.3877% | 3,715 |
| Noninterest expense to average assets | 2.6413% | 3,311 |
| Loan and lease loss provision to assets | 0.0689% | 2,823 |
| Net operating income to assets | 0.5600% | 4,189 |
| Return on assets (ROA) | 0.5600% | 4,220 |
| Pretax return on assets | 0.4566% | 5,005 |
| Return on Equity (ROE) | 5.3336% | 4,029 |
| Retained earnings to average equity (ytd only) | 3.3643% | 3,279 |
| Net charge-offs to loans | 0.4099% | 610 |
| Credit loss provision to net charge-offs | 48.7805% | 3,343 |
| Earnings coverage of net charge-offs (x) | 3.7195% | 3,568 |
| Efficiency ratio | 83.4059% | 819 |
| Assets per employee ($millions) | 5.6319% | 1,811 |
| Cash dividends to net income (ytd only)* | 36.9231% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 1,863 |
| Loan loss allowance to noncurrent loans | 30.3965% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.6122% | 823 |
| Noncurrent loans to loans | 4.5194% | 178 |
| Net loans and leases to total assets | 35.1835% | 5,311 |
| Net loans and leases to deposits | 39.5209% | 5,348 |
| Net loans and leases to core deposits | 41.6273% | 5,344 |
| Total domestic deposits to total assets | 89.0250% | 993 |
| Equity capital to assets | 10.9235% | 2,710 |
| Core capital (leverage) ratio | 10.5737% | 2,771 |
| Tier 1 risk-based capital ratio | 19.7967% | 1,361 |
| Total risk-based capital ratio | 20.7019% | 1,397 |
| Memoranda: | ||
| Average total assets | $58,040,400 | 5,004 |
| Average earning assets | $49,244,000 | 5,078 |
| Average equity | $6,093,400 | 5,087 |
| Average total loans | $20,007,000 | 5,316 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3986% | 4,966 |
| Cost of funding earning assets | 0.1588% | 5,262 |
| Net interest margin | 3.2398% | 4,358 |
| Noninterest income to average assets | 0.3808% | 3,807 |
| Noninterest expense to average assets | 2.3373% | 4,193 |
| Loan and lease loss provision to assets | 0.0912% | 2,250 |
| Net operating income to assets | 0.7092% | 3,935 |
| Return on assets (ROA) | 0.7092% | 4,000 |
| Pretax return on assets | 0.6978% | 4,617 |
| Return on Equity (ROE) | 6.8215% | 3,763 |
| Retained earnings to average equity (ytd only) | 5.5054% | 2,536 |
| Net charge-offs to loans | 0.5804% | 340 |
| Credit loss provision to net charge-offs | 45.9770% | 2,958 |
| Earnings coverage of net charge-offs (x) | 3.9769% | 3,279 |
| Efficiency ratio | 74.7629% | 1,780 |
| Assets per employee ($millions) | 5.7925% | 1,658 |
| Cash dividends to net income (ytd only)* | 19.2929% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,238 |
| Loan loss allowance to noncurrent loans | 36.8707% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 1.2689% | 1,278 |
| Noncurrent loans to loans | 3.5952% | 301 |
| Net loans and leases to total assets | 34.8261% | 5,392 |
| Net loans and leases to deposits | 39.0541% | 5,439 |
| Net loans and leases to core deposits | 41.0705% | 5,437 |
| Total domestic deposits to total assets | 89.1739% | 793 |
| Equity capital to assets | 10.7000% | 3,162 |
| Core capital (leverage) ratio | 10.7200% | 2,738 |
| Tier 1 risk-based capital ratio | 19.6901% | 1,439 |
| Total risk-based capital ratio | 20.5595% | 1,473 |
| Memoranda: | ||
| Average total assets | $58,470,750 | 5,054 |
| Average earning assets | $49,548,500 | 5,131 |
| Average equity | $6,078,750 | 5,149 |
| Average total loans | $19,986,000 | 5,369 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2981% | 5,110 |
| Cost of funding earning assets | 0.1603% | 5,271 |
| Net interest margin | 3.1378% | 4,578 |
| Noninterest income to average assets | 0.3819% | 3,816 |
| Noninterest expense to average assets | 2.3153% | 4,302 |
| Loan and lease loss provision to assets | 0.1023% | 1,979 |
| Net operating income to assets | 0.6513% | 4,074 |
| Return on assets (ROA) | 0.6513% | 4,126 |
| Pretax return on assets | 0.6342% | 4,732 |
| Return on Equity (ROE) | 6.3256% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.3256% | 1,950 |
| Net charge-offs to loans | 0.8874% | 221 |
| Credit loss provision to net charge-offs | 34.0909% | 2,693 |
| Earnings coverage of net charge-offs (x) | 2.4545% | 3,158 |
| Efficiency ratio | 75.8659% | 1,742 |
| Assets per employee ($millions) | 5.7626% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,634 |
| Loan loss allowance to noncurrent loans | 46.4286% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 0.9718% | 1,803 |
| Noncurrent loans to loans | 2.7107% | 517 |
| Net loans and leases to total assets | 35.3990% | 5,401 |
| Net loans and leases to deposits | 39.6906% | 5,465 |
| Net loans and leases to core deposits | 41.5247% | 5,455 |
| Total domestic deposits to total assets | 89.1872% | 863 |
| Equity capital to assets | 10.6514% | 3,173 |
| Core capital (leverage) ratio | 10.2482% | 3,206 |
| Tier 1 risk-based capital ratio | 19.6146% | 1,445 |
| Total risk-based capital ratio | 20.4538% | 1,493 |
| Memoranda: | ||
| Average total assets | $58,652,670 | 5,085 |
| Average earning assets | $49,907,670 | 5,157 |
| Average equity | $6,039,000 | 5,187 |
| Average total loans | $19,833,330 | 5,415 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1690% | 5,282 |
| Cost of funding earning assets | 0.1592% | 5,308 |
| Net interest margin | 3.0098% | 4,875 |
| Noninterest income to average assets | 0.3786% | 3,818 |
| Noninterest expense to average assets | 2.2783% | 4,465 |
| Loan and lease loss provision to assets | 0.1014% | 1,869 |
| Net operating income to assets | 0.5747% | 4,260 |
| Return on assets (ROA) | 0.5747% | 4,305 |
| Pretax return on assets | 0.5544% | 4,832 |
| Return on Equity (ROE) | 5.6766% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.6766% | 2,502 |
| Net charge-offs to loans | -0.1030% | 5,451 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6498% | 1,680 |
| Assets per employee ($millions) | 6.0600% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 1,190 |
| Loan loss allowance to noncurrent loans | 47.5387% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 1.1733% | 1,502 |
| Noncurrent loans to loans | 3.5313% | 340 |
| Net loans and leases to total assets | 32.6667% | 5,518 |
| Net loans and leases to deposits | 36.3223% | 5,575 |
| Net loans and leases to core deposits | 38.1382% | 5,573 |
| Total domestic deposits to total assets | 89.9356% | 692 |
| Equity capital to assets | 9.9538% | 3,811 |
| Core capital (leverage) ratio | 9.9549% | 3,561 |
| Tier 1 risk-based capital ratio | 19.2480% | 1,550 |
| Total risk-based capital ratio | 20.3352% | 1,560 |
| Memoranda: | ||
| Average total assets | $59,166,000 | 5,130 |
| Average earning assets | $50,236,500 | 5,206 |
| Average equity | $5,989,500 | 5,241 |
| Average total loans | $19,420,500 | 5,482 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2098% | 5,287 |
| Cost of funding earning assets | 0.1639% | 5,325 |
| Net interest margin | 3.0459% | 4,861 |
| Noninterest income to average assets | 0.3061% | 4,551 |
| Noninterest expense to average assets | 2.3884% | 4,328 |
| Loan and lease loss provision to assets | 0.1009% | 2,356 |
| Net operating income to assets | 0.3633% | 5,049 |
| Return on assets (ROA) | 0.3919% | 5,052 |
| Pretax return on assets | 0.3145% | 5,346 |
| Return on Equity (ROE) | 3.9413% | 4,855 |
| Retained earnings to average equity (ytd only) | 1.9114% | 4,446 |
| Net charge-offs to loans | 0.8934% | 210 |
| Credit loss provision to net charge-offs | 36.3636% | 3,530 |
| Earnings coverage of net charge-offs (x) | 1.3939% | 3,992 |
| Efficiency ratio | 86.0606% | 815 |
| Assets per employee ($millions) | 5.2484% | 2,118 |
| Cash dividends to net income (ytd only)* | 51.5021% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6999% | 1,140 |
| Loan loss allowance to noncurrent loans | 46.8336% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 1.1761% | 1,546 |
| Noncurrent loans to loans | 3.6297% | 322 |
| Net loans and leases to total assets | 31.8524% | 5,602 |
| Net loans and leases to deposits | 35.5377% | 5,649 |
| Net loans and leases to core deposits | 37.4140% | 5,650 |
| Total domestic deposits to total assets | 89.6297% | 806 |
| Equity capital to assets | 10.3010% | 3,385 |
| Core capital (leverage) ratio | 10.3513% | 3,048 |
| Tier 1 risk-based capital ratio | 20.1125% | 1,357 |
| Total risk-based capital ratio | 21.1967% | 1,351 |
| Memoranda: | ||
| Average total assets | $59,454,400 | 5,155 |
| Average earning assets | $48,196,400 | 5,284 |
| Average equity | $5,911,800 | 5,291 |
| Average total loans | $18,469,000 | 5,558 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2144% | 5,345 |
| Cost of funding earning assets | 0.1639% | 5,391 |
| Net interest margin | 3.0505% | 4,898 |
| Noninterest income to average assets | 0.3050% | 4,586 |
| Noninterest expense to average assets | 2.3645% | 4,369 |
| Loan and lease loss provision to assets | 0.1002% | 2,232 |
| Net operating income to assets | 0.3674% | 5,122 |
| Return on assets (ROA) | 0.4052% | 5,098 |
| Pretax return on assets | 0.3228% | 5,428 |
| Return on Equity (ROE) | 4.1108% | 4,865 |
| Retained earnings to average equity (ytd only) | 2.7555% | 4,237 |
| Net charge-offs to loans | 1.1660% | 137 |
| Credit loss provision to net charge-offs | 27.9503% | 3,241 |
| Earnings coverage of net charge-offs (x) | 1.0745% | 3,733 |
| Efficiency ratio | 85.9919% | 820 |
| Assets per employee ($millions) | 5.2085% | 2,134 |
| Cash dividends to net income (ytd only)* | 32.9679% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 1,558 |
| Loan loss allowance to noncurrent loans | 54.5293% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 0.9827% | 2,109 |
| Noncurrent loans to loans | 2.8799% | 545 |
| Net loans and leases to total assets | 33.5853% | 5,636 |
| Net loans and leases to deposits | 37.5395% | 5,689 |
| Net loans and leases to core deposits | 39.5405% | 5,693 |
| Total domestic deposits to total assets | 89.4664% | 687 |
| Equity capital to assets | 10.3957% | 3,684 |
| Core capital (leverage) ratio | 10.2631% | 3,265 |
| Tier 1 risk-based capital ratio | 19.7234% | 1,497 |
| Total risk-based capital ratio | 20.7514% | 1,510 |
| Memoranda: | ||
| Average total assets | $59,885,000 | 5,190 |
| Average earning assets | $47,990,750 | 5,341 |
| Average equity | $5,903,000 | 5,353 |
| Average total loans | $18,409,500 | 5,619 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2006% | 5,431 |
| Cost of funding earning assets | 0.1665% | 5,445 |
| Net interest margin | 3.0341% | 5,008 |
| Noninterest income to average assets | 0.2963% | 4,663 |
| Noninterest expense to average assets | 2.3375% | 4,508 |
| Loan and lease loss provision to assets | 0.0988% | 2,186 |
| Net operating income to assets | 0.2700% | 5,394 |
| Return on assets (ROA) | 0.3259% | 5,332 |
| Pretax return on assets | 0.3161% | 5,480 |
| Return on Equity (ROE) | 3.3643% | 5,137 |
| Retained earnings to average equity (ytd only) | 3.3643% | 3,753 |
| Net charge-offs to loans | 1.2868% | 124 |
| Credit loss provision to net charge-offs | 25.8621% | 2,889 |
| Earnings coverage of net charge-offs (x) | 0.9397% | 3,469 |
| Efficiency ratio | 86.6911% | 820 |
| Assets per employee ($millions) | 5.4835% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8389% | 1,007 |
| Loan loss allowance to noncurrent loans | 44.5178% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 1.2550% | 1,632 |
| Noncurrent loans to loans | 4.1307% | 273 |
| Net loans and leases to total assets | 29.8236% | 5,782 |
| Net loans and leases to deposits | 33.1082% | 5,839 |
| Net loans and leases to core deposits | 34.7681% | 5,835 |
| Total domestic deposits to total assets | 90.0792% | 458 |
| Equity capital to assets | 9.8362% | 4,405 |
| Core capital (leverage) ratio | 9.8501% | 3,751 |
| Tier 1 risk-based capital ratio | 20.1803% | 1,416 |
| Total risk-based capital ratio | 21.3265% | 1,409 |
| Memoranda: | ||
| Average total assets | $60,749,000 | 5,228 |
| Average earning assets | $48,053,000 | 5,395 |
| Average equity | $5,885,330 | 5,407 |
| Average total loans | $18,029,670 | 5,698 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3326% | 5,257 |
| Cost of funding earning assets | 0.1731% | 5,442 |
| Net interest margin | 3.1595% | 4,702 |
| Noninterest income to average assets | 0.3215% | 4,431 |
| Noninterest expense to average assets | 2.3620% | 4,488 |
| Loan and lease loss provision to assets | 0.0984% | 2,052 |
| Net operating income to assets | 0.3609% | 5,107 |
| Return on assets (ROA) | 0.3609% | 5,192 |
| Pretax return on assets | 0.2559% | 5,576 |
| Return on Equity (ROE) | 3.7533% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.7533% | 3,616 |
| Net charge-offs to loans | 0.6487% | 334 |
| Credit loss provision to net charge-offs | 51.7241% | 2,036 |
| Earnings coverage of net charge-offs (x) | 1.8621% | 2,765 |
| Efficiency ratio | 86.9565% | 894 |
| Assets per employee ($millions) | 5.6515% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3393% | 482 |
| Loan loss allowance to noncurrent loans | 47.8363% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 1.3753% | 1,530 |
| Noncurrent loans to loans | 4.8902% | 201 |
| Net loans and leases to total assets | 27.4668% | 5,885 |
| Net loans and leases to deposits | 30.3772% | 5,923 |
| Net loans and leases to core deposits | 31.6949% | 5,922 |
| Total domestic deposits to total assets | 90.4192% | 455 |
| Equity capital to assets | 9.4730% | 4,688 |
| Core capital (leverage) ratio | 9.5528% | 4,099 |
| Tier 1 risk-based capital ratio | 20.3385% | 1,433 |
| Total risk-based capital ratio | 21.5921% | 1,409 |
| Memoranda: | ||
| Average total assets | $60,964,500 | 5,272 |
| Average earning assets | $46,210,000 | 5,487 |
| Average equity | $5,861,500 | 5,442 |
| Average total loans | $17,881,500 | 5,756 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0219% | 5,709 |
| Cost of funding earning assets | 0.1607% | 5,608 |
| Net interest margin | 2.8612% | 5,398 |
| Noninterest income to average assets | 0.2952% | 4,773 |
| Noninterest expense to average assets | 2.2500% | 4,922 |
| Loan and lease loss provision to assets | 0.0984% | 2,346 |
| Net operating income to assets | 0.3755% | 5,121 |
| Return on assets (ROA) | 0.3755% | 5,210 |
| Pretax return on assets | 0.3411% | 5,436 |
| Return on Equity (ROE) | 3.9330% | 4,977 |
| Retained earnings to average equity (ytd only) | 1.8720% | 4,662 |
| Net charge-offs to loans | 0.0759% | 2,742 |
| Credit loss provision to net charge-offs | 428.5714% | 717 |
| Earnings coverage of net charge-offs (x) | 19.1429% | 1,970 |
| Efficiency ratio | 83.6585% | 1,212 |
| Assets per employee ($millions) | 5.4330% | 1,873 |
| Cash dividends to net income (ytd only)* | 52.4017% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3141% | 503 |
| Loan loss allowance to noncurrent loans | 46.4325% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 1.5244% | 1,325 |
| Noncurrent loans to loans | 4.9839% | 194 |
| Net loans and leases to total assets | 29.8780% | 5,891 |
| Net loans and leases to deposits | 33.1354% | 5,951 |
| Net loans and leases to core deposits | 34.8927% | 5,950 |
| Total domestic deposits to total assets | 90.1695% | 559 |
| Equity capital to assets | 9.7619% | 4,226 |
| Core capital (leverage) ratio | 9.8524% | 3,709 |
| Tier 1 risk-based capital ratio | 20.1471% | 1,455 |
| Total risk-based capital ratio | 21.4007% | 1,426 |
| Memoranda: | ||
| Average total assets | $60,977,800 | 5,297 |
| Average earning assets | $51,028,000 | 5,409 |
| Average equity | $5,822,600 | 5,476 |
| Average total loans | $18,434,600 | 5,782 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9471% | 5,854 |
| Cost of funding earning assets | 0.1582% | 5,724 |
| Net interest margin | 2.7889% | 5,602 |
| Noninterest income to average assets | 0.2981% | 4,808 |
| Noninterest expense to average assets | 2.1866% | 5,086 |
| Loan and lease loss provision to assets | 0.0979% | 2,217 |
| Net operating income to assets | 0.4482% | 4,977 |
| Return on assets (ROA) | 0.4482% | 5,062 |
| Pretax return on assets | 0.3916% | 5,475 |
| Return on Equity (ROE) | 4.7194% | 4,751 |
| Retained earnings to average equity (ytd only) | 3.3448% | 4,092 |
| Net charge-offs to loans | 0.0072% | 3,918 |
| Credit loss provision to net charge-offs | 4,500.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 225.5564% | 320 |
| Efficiency ratio | 81.7073% | 1,438 |
| Assets per employee ($millions) | 5.3155% | 1,941 |
| Cash dividends to net income (ytd only)* | 29.1269% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2673% | 596 |
| Loan loss allowance to noncurrent loans | 37.0273% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 1.9446% | 1,066 |
| Noncurrent loans to loans | 6.1234% | 133 |
| Net loans and leases to total assets | 31.0359% | 5,944 |
| Net loans and leases to deposits | 34.5539% | 6,009 |
| Net loans and leases to core deposits | 36.4332% | 6,008 |
| Total domestic deposits to total assets | 89.8189% | 645 |
| Equity capital to assets | 10.0409% | 4,104 |
| Core capital (leverage) ratio | 10.0601% | 3,547 |
| Tier 1 risk-based capital ratio | 20.2763% | 1,484 |
| Total risk-based capital ratio | 21.5300% | 1,451 |
| Memoranda: | ||
| Average total assets | $61,281,500 | 5,350 |
| Average earning assets | $52,254,000 | 5,449 |
| Average equity | $5,819,750 | 5,546 |
| Average total loans | $18,473,500 | 5,853 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8921% | 5,952 |
| Cost of funding earning assets | 0.1575% | 5,800 |
| Net interest margin | 2.7345% | 5,731 |
| Noninterest income to average assets | 0.2893% | 4,895 |
| Noninterest expense to average assets | 2.1151% | 5,307 |
| Loan and lease loss provision to assets | 0.0964% | 2,210 |
| Net operating income to assets | 0.4918% | 4,810 |
| Return on assets (ROA) | 0.4918% | 4,909 |
| Pretax return on assets | 0.4211% | 5,423 |
| Return on Equity (ROE) | 5.2734% | 4,503 |
| Retained earnings to average equity (ytd only) | 5.2734% | 2,695 |
| Net charge-offs to loans | -0.1952% | 6,019 |
| Credit loss provision to net charge-offs | -166.6667% | 4,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3419% | 1,707 |
| Assets per employee ($millions) | 5.6242% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4014% | 547 |
| Loan loss allowance to noncurrent loans | 44.0415% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.5598% | 1,561 |
| Noncurrent loans to loans | 5.4526% | 195 |
| Net loans and leases to total assets | 27.9200% | 6,097 |
| Net loans and leases to deposits | 30.8882% | 6,135 |
| Net loans and leases to core deposits | 33.1485% | 6,121 |
| Total domestic deposits to total assets | 90.3905% | 500 |
| Equity capital to assets | 9.5012% | 4,649 |
| Core capital (leverage) ratio | 9.3702% | 4,464 |
| Tier 1 risk-based capital ratio | 20.3405% | 1,479 |
| Total risk-based capital ratio | 21.5932% | 1,450 |
| Memoranda: | ||
| Average total assets | $62,218,330 | 5,388 |
| Average earning assets | $53,318,330 | 5,481 |
| Average equity | $5,802,670 | 5,604 |
| Average total loans | $18,442,000 | 5,910 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9422% | 5,955 |
| Cost of funding earning assets | 0.1497% | 5,923 |
| Net interest margin | 2.7924% | 5,660 |
| Noninterest income to average assets | 0.2949% | 4,812 |
| Noninterest expense to average assets | 2.1220% | 5,334 |
| Loan and lease loss provision to assets | 0.0962% | 2,086 |
| Net operating income to assets | 0.5129% | 4,613 |
| Return on assets (ROA) | 0.5129% | 4,737 |
| Pretax return on assets | 0.4680% | 5,267 |
| Return on Equity (ROE) | 5.5507% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.5507% | 2,750 |
| Net charge-offs to loans | -0.3189% | 6,160 |
| Credit loss provision to net charge-offs | -100.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9976% | 2,042 |
| Assets per employee ($millions) | 5.7958% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2924% | 706 |
| Loan loss allowance to noncurrent loans | 199.5098% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 3,912 |
| Noncurrent loans to loans | 1.1490% | 2,470 |
| Net loans and leases to total assets | 27.2093% | 6,164 |
| Net loans and leases to deposits | 29.9577% | 6,198 |
| Net loans and leases to core deposits | 31.7286% | 6,191 |
| Total domestic deposits to total assets | 90.8257% | 425 |
| Equity capital to assets | 9.1053% | 5,187 |
| Core capital (leverage) ratio | 9.1905% | 4,732 |
| Tier 1 risk-based capital ratio | 20.0297% | 1,606 |
| Total risk-based capital ratio | 21.2787% | 1,579 |
| Memoranda: | ||
| Average total assets | $62,394,500 | 5,441 |
| Average earning assets | $53,430,000 | 5,527 |
| Average equity | $5,765,000 | 5,664 |
| Average total loans | $18,814,000 | 5,944 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2628% | 5,756 |
| Cost of funding earning assets | 0.1884% | 5,847 |
| Net interest margin | 3.0745% | 5,267 |
| Noninterest income to average assets | 0.3416% | 4,657 |
| Noninterest expense to average assets | 2.2852% | 5,148 |
| Loan and lease loss provision to assets | 0.1010% | 2,471 |
| Net operating income to assets | 0.5688% | 4,513 |
| Return on assets (ROA) | 0.5688% | 4,599 |
| Pretax return on assets | 0.5923% | 4,970 |
| Return on Equity (ROE) | 5.9878% | 4,157 |
| Retained earnings to average equity (ytd only) | 3.8620% | 3,473 |
| Net charge-offs to loans | 0.7018% | 525 |
| Credit loss provision to net charge-offs | 42.2535% | 3,630 |
| Earnings coverage of net charge-offs (x) | 2.9014% | 4,032 |
| Efficiency ratio | 76.7232% | 2,406 |
| Assets per employee ($millions) | 5.5486% | 1,729 |
| Cash dividends to net income (ytd only)* | 35.5030% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8970% | 1,321 |
| Loan loss allowance to noncurrent loans | 182.1256% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 3,944 |
| Noncurrent loans to loans | 1.0416% | 2,740 |
| Net loans and leases to total assets | 31.9440% | 6,115 |
| Net loans and leases to deposits | 35.2644% | 6,191 |
| Net loans and leases to core deposits | 37.8722% | 6,150 |
| Total domestic deposits to total assets | 90.5841% | 503 |
| Equity capital to assets | 9.3799% | 4,874 |
| Core capital (leverage) ratio | 9.2477% | 4,608 |
| Tier 1 risk-based capital ratio | 19.0922% | 1,819 |
| Total risk-based capital ratio | 20.3428% | 1,785 |
| Memoranda: | ||
| Average total assets | $59,425,800 | 5,562 |
| Average earning assets | $50,968,200 | 5,644 |
| Average equity | $5,644,800 | 5,705 |
| Average total loans | $20,232,400 | 5,951 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2755% | 5,799 |
| Cost of funding earning assets | 0.1975% | 5,857 |
| Net interest margin | 3.0780% | 5,316 |
| Noninterest income to average assets | 0.3434% | 4,690 |
| Noninterest expense to average assets | 2.2047% | 5,340 |
| Loan and lease loss provision to assets | 0.1017% | 2,338 |
| Net operating income to assets | 0.6370% | 4,278 |
| Return on assets (ROA) | 0.6370% | 4,381 |
| Pretax return on assets | 0.6777% | 4,773 |
| Return on Equity (ROE) | 6.6846% | 3,857 |
| Retained earnings to average equity (ytd only) | 5.2623% | 2,911 |
| Net charge-offs to loans | 0.5905% | 631 |
| Credit loss provision to net charge-offs | 50.0000% | 3,096 |
| Earnings coverage of net charge-offs (x) | 3.8333% | 3,582 |
| Efficiency ratio | 73.8834% | 2,836 |
| Assets per employee ($millions) | 5.2274% | 1,986 |
| Cash dividends to net income (ytd only)* | 21.2772% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0366% | 1,191 |
| Loan loss allowance to noncurrent loans | 242.1053% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 4,296 |
| Noncurrent loans to loans | 0.8412% | 3,467 |
| Net loans and leases to total assets | 34.6324% | 6,089 |
| Net loans and leases to deposits | 38.5258% | 6,166 |
| Net loans and leases to core deposits | 41.5854% | 6,135 |
| Total domestic deposits to total assets | 89.8941% | 788 |
| Equity capital to assets | 9.9633% | 4,209 |
| Core capital (leverage) ratio | 9.7610% | 3,980 |
| Tier 1 risk-based capital ratio | 19.3430% | 1,812 |
| Total risk-based capital ratio | 20.5956% | 1,791 |
| Memoranda: | ||
| Average total assets | $59,023,500 | 5,633 |
| Average earning assets | $50,637,750 | 5,716 |
| Average equity | $5,624,750 | 5,764 |
| Average total loans | $20,322,000 | 6,014 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2071% | 5,939 |
| Cost of funding earning assets | 0.2068% | 5,857 |
| Net interest margin | 3.0003% | 5,523 |
| Noninterest income to average assets | 0.3393% | 4,714 |
| Noninterest expense to average assets | 2.2173% | 5,369 |
| Loan and lease loss provision to assets | 0.1008% | 2,336 |
| Net operating income to assets | 0.5510% | 4,601 |
| Return on assets (ROA) | 0.5510% | 4,699 |
| Pretax return on assets | 0.6047% | 4,943 |
| Return on Equity (ROE) | 5.8676% | 4,235 |
| Retained earnings to average equity (ytd only) | 5.8676% | 2,405 |
| Net charge-offs to loans | 0.5807% | 698 |
| Credit loss provision to net charge-offs | 50.8475% | 2,782 |
| Earnings coverage of net charge-offs (x) | 3.5593% | 3,274 |
| Efficiency ratio | 75.8621% | 2,662 |
| Assets per employee ($millions) | 5.3931% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1422% | 1,101 |
| Loan loss allowance to noncurrent loans | 89.3971% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.0333% | 3,004 |
| Noncurrent loans to loans | 2.3963% | 1,322 |
| Net loans and leases to total assets | 33.1114% | 6,193 |
| Net loans and leases to deposits | 36.6515% | 6,275 |
| Net loans and leases to core deposits | 39.9297% | 6,225 |
| Total domestic deposits to total assets | 90.3412% | 641 |
| Equity capital to assets | 9.5594% | 4,677 |
| Core capital (leverage) ratio | 9.3551% | 4,524 |
| Tier 1 risk-based capital ratio | 19.2776% | 1,859 |
| Total risk-based capital ratio | 20.5292% | 1,820 |
| Memoranda: | ||
| Average total assets | $59,531,000 | 5,673 |
| Average earning assets | $51,262,000 | 5,748 |
| Average equity | $5,590,000 | 5,809 |
| Average total loans | $20,320,000 | 6,065 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1803% | 6,034 |
| Cost of funding earning assets | 0.2333% | 5,726 |
| Net interest margin | 2.9470% | 5,651 |
| Noninterest income to average assets | 0.3421% | 4,641 |
| Noninterest expense to average assets | 2.2202% | 5,414 |
| Loan and lease loss provision to assets | 0.1006% | 2,246 |
| Net operating income to assets | 0.5701% | 4,350 |
| Return on assets (ROA) | 0.5701% | 4,426 |
| Pretax return on assets | 0.5634% | 4,971 |
| Return on Equity (ROE) | 6.1267% | 3,948 |
| Retained earnings to average equity (ytd only) | 6.1267% | 2,468 |
| Net charge-offs to loans | 0.4892% | 752 |
| Credit loss provision to net charge-offs | 60.0000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 3.9600% | 2,594 |
| Efficiency ratio | 76.9767% | 2,656 |
| Assets per employee ($millions) | 5.5486% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2912% | 1,043 |
| Loan loss allowance to noncurrent loans | 561.2500% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 5,081 |
| Noncurrent loans to loans | 0.4082% | 4,912 |
| Net loans and leases to total assets | 31.3722% | 6,287 |
| Net loans and leases to deposits | 34.6088% | 6,356 |
| Net loans and leases to core deposits | 37.5930% | 6,324 |
| Total domestic deposits to total assets | 90.6480% | 709 |
| Equity capital to assets | 9.1620% | 4,918 |
| Core capital (leverage) ratio | 9.3719% | 4,476 |
| Tier 1 risk-based capital ratio | 18.9628% | 1,981 |
| Total risk-based capital ratio | 20.2158% | 1,942 |
| Memoranda: | ||
| Average total assets | $59,634,500 | 5,723 |
| Average earning assets | $51,442,000 | 5,801 |
| Average equity | $5,549,500 | 5,851 |
| Average total loans | $20,443,500 | 6,118 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3845% | 5,871 |
| Cost of funding earning assets | 0.2591% | 5,915 |
| Net interest margin | 3.1253% | 5,241 |
| Noninterest income to average assets | 0.3870% | 4,538 |
| Noninterest expense to average assets | 2.2012% | 5,623 |
| Loan and lease loss provision to assets | 0.1005% | 3,125 |
| Net operating income to assets | 0.6970% | 3,807 |
| Return on assets (ROA) | 0.6985% | 3,894 |
| Pretax return on assets | 0.7739% | 4,247 |
| Return on Equity (ROE) | 7.7308% | 3,181 |
| Retained earnings to average equity (ytd only) | 5.5061% | 2,275 |
| Net charge-offs to loans | 0.2314% | 2,604 |
| Credit loss provision to net charge-offs | 120.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 10.4200% | 2,369 |
| Efficiency ratio | 71.6076% | 3,553 |
| Assets per employee ($millions) | 5.2940% | 1,855 |
| Cash dividends to net income (ytd only)* | 28.7770% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1559% | 1,245 |
| Loan loss allowance to noncurrent loans | 271.5976% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.5306% | 4,646 |
| Noncurrent loans to loans | 0.7938% | 3,994 |
| Net loans and leases to total assets | 35.7712% | 6,215 |
| Net loans and leases to deposits | 39.5643% | 6,317 |
| Net loans and leases to core deposits | 42.8966% | 6,272 |
| Total domestic deposits to total assets | 90.4128% | 864 |
| Equity capital to assets | 9.4567% | 4,489 |
| Core capital (leverage) ratio | 9.2882% | 4,578 |
| Tier 1 risk-based capital ratio | 18.2945% | 2,147 |
| Total risk-based capital ratio | 19.5475% | 2,108 |
| Memoranda: | ||
| Average total assets | $59,695,600 | 5,763 |
| Average earning assets | $51,322,800 | 5,851 |
| Average equity | $5,394,000 | 5,963 |
| Average total loans | $21,609,400 | 6,126 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3868% | 5,909 |
| Cost of funding earning assets | 0.2665% | 5,984 |
| Net interest margin | 3.1203% | 5,265 |
| Noninterest income to average assets | 0.3996% | 4,545 |
| Noninterest expense to average assets | 2.1045% | 5,818 |
| Loan and lease loss provision to assets | 0.0999% | 3,093 |
| Net operating income to assets | 0.7684% | 3,516 |
| Return on assets (ROA) | 0.7703% | 3,632 |
| Pretax return on assets | 0.8747% | 3,989 |
| Return on Equity (ROE) | 8.6225% | 2,824 |
| Retained earnings to average equity (ytd only) | 7.1315% | 1,814 |
| Net charge-offs to loans | 0.0983% | 3,575 |
| Credit loss provision to net charge-offs | 281.2500% | 900 |
| Earnings coverage of net charge-offs (x) | 27.3788% | 1,314 |
| Efficiency ratio | 68.3983% | 4,013 |
| Assets per employee ($millions) | 5.4475% | 1,680 |
| Cash dividends to net income (ytd only)* | 17.2913% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2211% | 1,296 |
| Loan loss allowance to noncurrent loans | 293.2515% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 5,628 |
| Noncurrent loans to loans | 0.7574% | 4,334 |
| Net loans and leases to total assets | 35.1173% | 6,319 |
| Net loans and leases to deposits | 38.7675% | 6,418 |
| Net loans and leases to core deposits | 42.4742% | 6,374 |
| Total domestic deposits to total assets | 90.5844% | 710 |
| Equity capital to assets | 9.1719% | 4,972 |
| Core capital (leverage) ratio | 9.2462% | 4,763 |
| Tier 1 risk-based capital ratio | 17.9384% | 2,347 |
| Total risk-based capital ratio | 19.1937% | 2,312 |
| Memoranda: | ||
| Average total assets | $60,061,000 | 5,819 |
| Average earning assets | $51,531,750 | 5,912 |
| Average equity | $5,365,750 | 6,045 |
| Average total loans | $21,689,250 | 6,193 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3284% | 6,041 |
| Cost of funding earning assets | 0.2681% | 6,054 |
| Net interest margin | 3.0603% | 5,397 |
| Noninterest income to average assets | 0.4259% | 4,333 |
| Noninterest expense to average assets | 2.0963% | 5,873 |
| Loan and lease loss provision to assets | 0.0998% | 3,130 |
| Net operating income to assets | 0.7790% | 3,410 |
| Return on assets (ROA) | 0.7819% | 3,555 |
| Pretax return on assets | 0.8917% | 3,941 |
| Return on Equity (ROE) | 8.8307% | 2,689 |
| Retained earnings to average equity (ytd only) | 8.8307% | 1,179 |
| Net charge-offs to loans | 0.1012% | 3,349 |
| Credit loss provision to net charge-offs | 272.7273% | 927 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,228 |
| Efficiency ratio | 67.9612% | 4,188 |
| Assets per employee ($millions) | 5.6878% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1451% | 1,536 |
| Loan loss allowance to noncurrent loans | 206.1674% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 5,406 |
| Noncurrent loans to loans | 1.0405% | 3,855 |
| Net loans and leases to total assets | 34.1224% | 6,407 |
| Net loans and leases to deposits | 37.4268% | 6,507 |
| Net loans and leases to core deposits | 40.5620% | 6,449 |
| Total domestic deposits to total assets | 91.1709% | 485 |
| Equity capital to assets | 8.7028% | 5,545 |
| Core capital (leverage) ratio | 8.9198% | 5,116 |
| Tier 1 risk-based capital ratio | 17.5448% | 2,496 |
| Total risk-based capital ratio | 18.7980% | 2,462 |
| Memoranda: | ||
| Average total assets | $60,107,330 | 5,852 |
| Average earning assets | $52,216,670 | 5,932 |
| Average equity | $5,322,330 | 6,095 |
| Average total loans | $21,745,330 | 6,232 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3613% | 6,022 |
| Cost of funding earning assets | 0.2821% | 6,095 |
| Net interest margin | 3.0793% | 5,332 |
| Noninterest income to average assets | 0.3601% | 4,787 |
| Noninterest expense to average assets | 2.1672% | 5,767 |
| Loan and lease loss provision to assets | 0.1019% | 2,979 |
| Net operating income to assets | 0.6868% | 3,751 |
| Return on assets (ROA) | 0.6930% | 3,871 |
| Pretax return on assets | 0.7677% | 4,305 |
| Return on Equity (ROE) | 7.7552% | 3,095 |
| Retained earnings to average equity (ytd only) | 7.7552% | 1,838 |
| Net charge-offs to loans | 0.1290% | 2,637 |
| Credit loss provision to net charge-offs | 214.2857% | 1,031 |
| Earnings coverage of net charge-offs (x) | 18.1429% | 1,274 |
| Efficiency ratio | 71.5247% | 3,703 |
| Assets per employee ($millions) | 5.5533% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1473% | 1,696 |
| Loan loss allowance to noncurrent loans | 282.0988% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 5,768 |
| Noncurrent loans to loans | 0.7612% | 4,607 |
| Net loans and leases to total assets | 34.0929% | 6,413 |
| Net loans and leases to deposits | 37.3688% | 6,527 |
| Net loans and leases to core deposits | 40.8329% | 6,449 |
| Total domestic deposits to total assets | 91.2337% | 432 |
| Equity capital to assets | 8.6959% | 5,813 |
| Core capital (leverage) ratio | 8.9068% | 5,045 |
| Tier 1 risk-based capital ratio | 17.7669% | 2,461 |
| Total risk-based capital ratio | 19.0191% | 2,421 |
| Memoranda: | ||
| Average total assets | $58,878,000 | 5,935 |
| Average earning assets | $51,051,000 | 6,017 |
| Average equity | $5,261,000 | 6,171 |
| Average total loans | $21,709,500 | 6,286 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4715% | 6,387 |
| Cost of funding earning assets | 0.3981% | 5,935 |
| Net interest margin | 3.0734% | 5,878 |
| Noninterest income to average assets | 0.3361% | 5,054 |
| Noninterest expense to average assets | 2.1691% | 5,988 |
| Loan and lease loss provision to assets | 0.3330% | 2,034 |
| Net operating income to assets | 0.4630% | 4,827 |
| Return on assets (ROA) | 0.4630% | 5,076 |
| Pretax return on assets | 0.5026% | 5,269 |
| Return on Equity (ROE) | 5.6419% | 4,346 |
| Retained earnings to average equity (ytd only) | 3.3233% | 3,884 |
| Net charge-offs to loans | 0.7091% | 1,667 |
| Credit loss provision to net charge-offs | 128.8344% | 2,183 |
| Earnings coverage of net charge-offs (x) | 3.2331% | 3,815 |
| Efficiency ratio | 72.1900% | 3,381 |
| Assets per employee ($millions) | 5.1518% | 2,044 |
| Cash dividends to net income (ytd only)* | 41.0959% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0284% | 1,942 |
| Loan loss allowance to noncurrent loans | 277.1605% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 5,482 |
| Noncurrent loans to loans | 0.7318% | 4,714 |
| Net loans and leases to total assets | 38.2689% | 6,281 |
| Net loans and leases to deposits | 42.1672% | 6,457 |
| Net loans and leases to core deposits | 46.4310% | 6,348 |
| Total domestic deposits to total assets | 90.7552% | 591 |
| Equity capital to assets | 9.1936% | 5,279 |
| Core capital (leverage) ratio | 8.1284% | 6,060 |
| Tier 1 risk-based capital ratio | 17.7286% | 2,370 |
| Total risk-based capital ratio | 18.9818% | 2,331 |
| Memoranda: | ||
| Average total assets | $63,068,600 | 5,854 |
| Average earning assets | $54,759,800 | 5,899 |
| Average equity | $5,175,600 | 6,251 |
| Average total loans | $22,986,000 | 6,297 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4116% | 6,616 |
| Cost of funding earning assets | 0.4202% | 5,983 |
| Net interest margin | 2.9914% | 6,185 |
| Noninterest income to average assets | 0.3361% | 5,111 |
| Noninterest expense to average assets | 2.0411% | 6,287 |
| Loan and lease loss provision to assets | 0.2330% | 2,713 |
| Net operating income to assets | 0.5546% | 4,606 |
| Return on assets (ROA) | 0.5546% | 4,862 |
| Pretax return on assets | 0.6598% | 4,981 |
| Return on Equity (ROE) | 6.9414% | 3,851 |
| Retained earnings to average equity (ytd only) | 5.3931% | 3,102 |
| Net charge-offs to loans | 0.8046% | 1,362 |
| Credit loss provision to net charge-offs | 80.7143% | 3,597 |
| Earnings coverage of net charge-offs (x) | 3.0929% | 3,788 |
| Efficiency ratio | 69.5713% | 3,774 |
| Assets per employee ($millions) | 6.2856% | 1,077 |
| Cash dividends to net income (ytd only)* | 22.3052% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6717% | 3,251 |
| Loan loss allowance to noncurrent loans | 275.7353% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 5,957 |
| Noncurrent loans to loans | 0.6063% | 5,225 |
| Net loans and leases to total assets | 31.9010% | 6,751 |
| Net loans and leases to deposits | 34.5819% | 6,847 |
| Net loans and leases to core deposits | 37.2484% | 6,829 |
| Total domestic deposits to total assets | 92.2478% | 178 |
| Equity capital to assets | 7.5887% | 6,752 |
| Core capital (leverage) ratio | 8.2074% | 6,135 |
| Tier 1 risk-based capital ratio | 16.3031% | 3,110 |
| Total risk-based capital ratio | 17.4683% | 3,122 |
| Memoranda: | ||
| Average total assets | $64,668,250 | 5,857 |
| Average earning assets | $56,160,250 | 5,930 |
| Average equity | $5,167,000 | 6,319 |
| Average total loans | $23,198,500 | 6,370 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4840% | 6,627 |
| Cost of funding earning assets | 0.4575% | 5,920 |
| Net interest margin | 3.0265% | 6,185 |
| Noninterest income to average assets | 0.3514% | 5,030 |
| Noninterest expense to average assets | 2.0514% | 6,331 |
| Loan and lease loss provision to assets | 0.0950% | 4,363 |
| Net operating income to assets | 0.6680% | 4,025 |
| Return on assets (ROA) | 0.6680% | 4,284 |
| Pretax return on assets | 0.8231% | 4,391 |
| Return on Equity (ROE) | 8.2096% | 3,167 |
| Retained earnings to average equity (ytd only) | 8.2096% | 1,567 |
| Net charge-offs to loans | 1.1938% | 908 |
| Credit loss provision to net charge-offs | 21.4286% | 4,579 |
| Earnings coverage of net charge-offs (x) | 2.0714% | 3,950 |
| Efficiency ratio | 69.0832% | 3,925 |
| Assets per employee ($millions) | 5.6660% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 5,107 |
| Loan loss allowance to noncurrent loans | 216.2963% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 5,882 |
| Noncurrent loans to loans | 0.5800% | 5,354 |
| Net loans and leases to total assets | 36.8787% | 6,557 |
| Net loans and leases to deposits | 40.3656% | 6,723 |
| Net loans and leases to core deposits | 44.4705% | 6,640 |
| Total domestic deposits to total assets | 91.3616% | 341 |
| Equity capital to assets | 8.4218% | 6,286 |
| Core capital (leverage) ratio | 8.3697% | 5,829 |
| Tier 1 risk-based capital ratio | 16.9132% | 2,710 |
| Total risk-based capital ratio | 17.8540% | 2,817 |
| Memoranda: | ||
| Average total assets | $63,177,000 | 5,938 |
| Average earning assets | $54,650,330 | 6,012 |
| Average equity | $5,140,330 | 6,354 |
| Average total loans | $23,454,000 | 6,397 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3942% | 6,814 |
| Cost of funding earning assets | 0.4787% | 5,952 |
| Net interest margin | 2.9155% | 6,464 |
| Noninterest income to average assets | 0.3711% | 4,898 |
| Noninterest expense to average assets | 2.0628% | 6,357 |
| Loan and lease loss provision to assets | 0.0943% | 4,170 |
| Net operating income to assets | 0.6037% | 4,329 |
| Return on assets (ROA) | 0.6037% | 4,546 |
| Pretax return on assets | 0.7421% | 4,640 |
| Return on Equity (ROE) | 7.5501% | 3,472 |
| Retained earnings to average equity (ytd only) | 7.5501% | 2,151 |
| Net charge-offs to loans | 1.2233% | 836 |
| Credit loss provision to net charge-offs | 20.8333% | 3,761 |
| Earnings coverage of net charge-offs (x) | 1.8472% | 3,415 |
| Efficiency ratio | 71.1497% | 3,593 |
| Assets per employee ($millions) | 5.8657% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 4,308 |
| Loan loss allowance to noncurrent loans | 65.4649% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 0.9795% | 4,547 |
| Noncurrent loans to loans | 2.2402% | 2,876 |
| Net loans and leases to total assets | 35.9252% | 6,624 |
| Net loans and leases to deposits | 39.0848% | 6,778 |
| Net loans and leases to core deposits | 43.1176% | 6,697 |
| Total domestic deposits to total assets | 91.9161% | 278 |
| Equity capital to assets | 7.9569% | 6,545 |
| Core capital (leverage) ratio | 8.2991% | 5,873 |
| Tier 1 risk-based capital ratio | 16.4778% | 2,919 |
| Total risk-based capital ratio | 17.5851% | 2,954 |
| Memoranda: | ||
| Average total assets | $63,602,500 | 5,965 |
| Average earning assets | $55,153,500 | 6,025 |
| Average equity | $5,086,000 | 6,404 |
| Average total loans | $23,542,500 | 6,444 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 6,688 |
| Cost of funding earning assets | 0.6947% | 5,574 |
| Net interest margin | 3.1430% | 6,239 |
| Noninterest income to average assets | 0.4061% | 4,569 |
| Noninterest expense to average assets | 2.1941% | 6,282 |
| Loan and lease loss provision to assets | 0.2813% | 3,419 |
| Net operating income to assets | 0.6206% | 3,884 |
| Return on assets (ROA) | 0.6206% | 4,081 |
| Pretax return on assets | 0.7068% | 4,302 |
| Return on Equity (ROE) | 7.1745% | 3,319 |
| Retained earnings to average equity (ytd only) | 4.7356% | 2,828 |
| Net charge-offs to loans | 0.4253% | 3,304 |
| Credit loss provision to net charge-offs | 158.4158% | 1,753 |
| Earnings coverage of net charge-offs (x) | 5.5644% | 2,753 |
| Efficiency ratio | 68.9503% | 4,164 |
| Assets per employee ($millions) | 5.6984% | 1,443 |
| Cash dividends to net income (ytd only)* | 33.9943% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7063% | 3,176 |
| Loan loss allowance to noncurrent loans | 111.6667% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.8455% | 4,932 |
| Noncurrent loans to loans | 1.5280% | 3,859 |
| Net loans and leases to total assets | 36.9452% | 6,707 |
| Net loans and leases to deposits | 40.2580% | 6,873 |
| Net loans and leases to core deposits | 44.4457% | 6,795 |
| Total domestic deposits to total assets | 91.7712% | 271 |
| Equity capital to assets | 8.0374% | 6,544 |
| Core capital (leverage) ratio | 8.2598% | 5,908 |
| Tier 1 risk-based capital ratio | 16.3527% | 2,888 |
| Total risk-based capital ratio | 17.6043% | 2,854 |
| Memoranda: | ||
| Average total assets | $56,879,400 | 6,140 |
| Average earning assets | $50,238,800 | 6,180 |
| Average equity | $4,920,200 | 6,470 |
| Average total loans | $23,746,800 | 6,475 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9126% | 6,716 |
| Cost of funding earning assets | 0.7202% | 5,649 |
| Net interest margin | 3.1923% | 6,176 |
| Noninterest income to average assets | 0.4161% | 4,537 |
| Noninterest expense to average assets | 2.2298% | 6,213 |
| Loan and lease loss provision to assets | 0.3488% | 2,786 |
| Net operating income to assets | 0.5942% | 4,108 |
| Return on assets (ROA) | 0.5942% | 4,296 |
| Pretax return on assets | 0.6735% | 4,567 |
| Return on Equity (ROE) | 6.7337% | 3,648 |
| Retained earnings to average equity (ytd only) | 5.0980% | 3,111 |
| Net charge-offs to loans | 0.5267% | 2,652 |
| Credit loss provision to net charge-offs | 154.2553% | 2,013 |
| Earnings coverage of net charge-offs (x) | 4.5213% | 3,041 |
| Efficiency ratio | 68.5651% | 4,204 |
| Assets per employee ($millions) | 5.3583% | 1,746 |
| Cash dividends to net income (ytd only)* | 24.2917% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 3,388 |
| Loan loss allowance to noncurrent loans | 155.7312% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.7177% | 5,362 |
| Noncurrent loans to loans | 1.0708% | 4,774 |
| Net loans and leases to total assets | 39.4174% | 6,679 |
| Net loans and leases to deposits | 43.1624% | 6,872 |
| Net loans and leases to core deposits | 49.2632% | 6,701 |
| Total domestic deposits to total assets | 91.3235% | 339 |
| Equity capital to assets | 8.4695% | 6,326 |
| Core capital (leverage) ratio | 8.7540% | 5,331 |
| Tier 1 risk-based capital ratio | 16.5531% | 2,836 |
| Total risk-based capital ratio | 17.8031% | 2,799 |
| Memoranda: | ||
| Average total assets | $55,428,750 | 6,225 |
| Average earning assets | $49,242,000 | 6,276 |
| Average equity | $4,890,750 | 6,528 |
| Average total loans | $23,793,500 | 6,541 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 6,792 |
| Cost of funding earning assets | 0.7421% | 5,716 |
| Net interest margin | 3.1676% | 6,245 |
| Noninterest income to average assets | 0.4128% | 4,565 |
| Noninterest expense to average assets | 2.3149% | 6,080 |
| Loan and lease loss provision to assets | 0.4792% | 2,067 |
| Net operating income to assets | 0.4423% | 4,757 |
| Return on assets (ROA) | 0.4423% | 4,894 |
| Pretax return on assets | 0.4350% | 5,282 |
| Return on Equity (ROE) | 4.9413% | 4,480 |
| Retained earnings to average equity (ytd only) | 4.9413% | 3,041 |
| Net charge-offs to loans | 0.5451% | 2,466 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 3.8154% | 3,045 |
| Efficiency ratio | 71.6895% | 3,798 |
| Assets per employee ($millions) | 5.1760% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 3,418 |
| Loan loss allowance to noncurrent loans | 105.6995% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 5,165 |
| Noncurrent loans to loans | 1.5809% | 4,027 |
| Net loans and leases to total assets | 42.1666% | 6,580 |
| Net loans and leases to deposits | 46.2760% | 6,812 |
| Net loans and leases to core deposits | 52.0296% | 6,662 |
| Total domestic deposits to total assets | 91.1199% | 460 |
| Equity capital to assets | 8.6501% | 6,001 |
| Core capital (leverage) ratio | 8.8558% | 4,953 |
| Tier 1 risk-based capital ratio | 16.2696% | 2,851 |
| Total risk-based capital ratio | 17.5206% | 2,815 |
| Memoranda: | ||
| Average total assets | $54,258,000 | 6,321 |
| Average earning assets | $48,238,330 | 6,362 |
| Average equity | $4,857,000 | 6,577 |
| Average total loans | $23,849,000 | 6,603 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8648% | 6,870 |
| Cost of funding earning assets | 0.7595% | 5,807 |
| Net interest margin | 3.1054% | 6,336 |
| Noninterest income to average assets | 0.4384% | 4,380 |
| Noninterest expense to average assets | 2.2676% | 6,261 |
| Loan and lease loss provision to assets | 0.8693% | 940 |
| Net operating income to assets | 0.2721% | 5,532 |
| Return on assets (ROA) | 0.2721% | 5,591 |
| Pretax return on assets | 0.0831% | 6,210 |
| Return on Equity (ROE) | 2.9857% | 5,379 |
| Retained earnings to average equity (ytd only) | 2.9857% | 4,376 |
| Net charge-offs to loans | 0.5092% | 2,206 |
| Credit loss provision to net charge-offs | 383.3333% | 862 |
| Earnings coverage of net charge-offs (x) | 4.2000% | 2,542 |
| Efficiency ratio | 70.4225% | 4,177 |
| Assets per employee ($millions) | 4.9946% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8469% | 2,865 |
| Loan loss allowance to noncurrent loans | 176.8595% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 5,984 |
| Noncurrent loans to loans | 1.0443% | 4,967 |
| Net loans and leases to total assets | 41.4008% | 6,684 |
| Net loans and leases to deposits | 45.4865% | 6,880 |
| Net loans and leases to core deposits | 51.3686% | 6,709 |
| Total domestic deposits to total assets | 91.0176% | 623 |
| Equity capital to assets | 8.8113% | 5,472 |
| Core capital (leverage) ratio | 9.1457% | 4,380 |
| Tier 1 risk-based capital ratio | 16.7786% | 2,555 |
| Total risk-based capital ratio | 18.0314% | 2,524 |
| Memoranda: | ||
| Average total assets | $52,919,000 | 6,415 |
| Average earning assets | $47,402,000 | 6,436 |
| Average equity | $4,823,000 | 6,610 |
| Average total loans | $23,565,500 | 6,663 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1731% | 6,966 |
| Cost of funding earning assets | 0.9172% | 6,095 |
| Net interest margin | 3.2559% | 6,114 |
| Noninterest income to average assets | 0.4669% | 4,399 |
| Noninterest expense to average assets | 2.3344% | 6,258 |
| Loan and lease loss provision to assets | 0.1197% | 5,961 |
| Net operating income to assets | 0.7442% | 3,024 |
| Return on assets (ROA) | 0.7442% | 3,147 |
| Pretax return on assets | 0.9238% | 3,181 |
| Return on Equity (ROE) | 7.9264% | 2,725 |
| Retained earnings to average equity (ytd only) | 5.3763% | 2,196 |
| Net charge-offs to loans | 0.5472% | 3,420 |
| Credit loss provision to net charge-offs | 47.6190% | 6,298 |
| Earnings coverage of net charge-offs (x) | 4.1508% | 3,038 |
| Efficiency ratio | 69.1081% | 4,353 |
| Assets per employee ($millions) | 4.6270% | 2,654 |
| Cash dividends to net income (ytd only)* | 32.1716% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 4,369 |
| Loan loss allowance to noncurrent loans | 108.5443% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6798% | 5,643 |
| Noncurrent loans to loans | 1.3190% | 4,515 |
| Net loans and leases to total assets | 46.3957% | 6,525 |
| Net loans and leases to deposits | 51.4141% | 6,787 |
| Net loans and leases to core deposits | 57.6964% | 6,584 |
| Total domestic deposits to total assets | 90.2391% | 963 |
| Equity capital to assets | 9.4406% | 4,484 |
| Core capital (leverage) ratio | 9.2711% | 4,069 |
| Tier 1 risk-based capital ratio | 16.8089% | 2,423 |
| Total risk-based capital ratio | 18.0138% | 2,404 |
| Memoranda: | ||
| Average total assets | $50,119,800 | 6,530 |
| Average earning assets | $44,811,000 | 6,546 |
| Average equity | $4,705,800 | 6,756 |
| Average total loans | $23,025,400 | 6,776 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2031% | 7,084 |
| Cost of funding earning assets | 0.9417% | 6,218 |
| Net interest margin | 3.2614% | 6,138 |
| Noninterest income to average assets | 0.4780% | 4,344 |
| Noninterest expense to average assets | 2.2994% | 6,331 |
| Loan and lease loss provision to assets | 0.1202% | 5,827 |
| Net operating income to assets | 0.7665% | 3,153 |
| Return on assets (ROA) | 0.7665% | 3,304 |
| Pretax return on assets | 0.9721% | 3,284 |
| Return on Equity (ROE) | 8.1747% | 2,834 |
| Retained earnings to average equity (ytd only) | 6.4657% | 2,109 |
| Net charge-offs to loans | 0.6493% | 2,809 |
| Credit loss provision to net charge-offs | 40.5405% | 6,007 |
| Earnings coverage of net charge-offs (x) | 3.6846% | 3,337 |
| Efficiency ratio | 67.7953% | 4,501 |
| Assets per employee ($millions) | 4.8015% | 2,447 |
| Cash dividends to net income (ytd only)* | 20.9063% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 4,026 |
| Loan loss allowance to noncurrent loans | 43.5279% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 1.5488% | 4,126 |
| Noncurrent loans to loans | 3.4160% | 2,326 |
| Net loans and leases to total assets | 43.0267% | 6,906 |
| Net loans and leases to deposits | 47.4674% | 7,107 |
| Net loans and leases to core deposits | 53.8775% | 6,961 |
| Total domestic deposits to total assets | 90.6449% | 576 |
| Equity capital to assets | 9.0484% | 5,511 |
| Core capital (leverage) ratio | 9.4180% | 4,033 |
| Tier 1 risk-based capital ratio | 17.2527% | 2,260 |
| Total risk-based capital ratio | 18.4910% | 2,222 |
| Memoranda: | ||
| Average total assets | $49,925,500 | 6,615 |
| Average earning assets | $44,600,750 | 6,633 |
| Average equity | $4,681,000 | 6,844 |
| Average total loans | $22,792,500 | 6,869 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2948% | 7,060 |
| Cost of funding earning assets | 0.9844% | 6,224 |
| Net interest margin | 3.3104% | 5,981 |
| Noninterest income to average assets | 0.4738% | 4,327 |
| Noninterest expense to average assets | 2.3406% | 6,244 |
| Loan and lease loss provision to assets | 0.1225% | 5,672 |
| Net operating income to assets | 0.7761% | 3,083 |
| Return on assets (ROA) | 0.7761% | 3,233 |
| Pretax return on assets | 0.9640% | 3,261 |
| Return on Equity (ROE) | 8.1750% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.1750% | 1,385 |
| Net charge-offs to loans | 0.5815% | 2,790 |
| Credit loss provision to net charge-offs | 45.4545% | 5,514 |
| Earnings coverage of net charge-offs (x) | 4.0303% | 3,083 |
| Efficiency ratio | 68.2956% | 4,522 |
| Assets per employee ($millions) | 4.4880% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 3,509 |
| Loan loss allowance to noncurrent loans | 83.2589% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.9682% | 5,198 |
| Noncurrent loans to loans | 1.9057% | 3,859 |
| Net loans and leases to total assets | 46.8644% | 6,716 |
| Net loans and leases to deposits | 52.0378% | 6,974 |
| Net loans and leases to core deposits | 52.0378% | 7,135 |
| Total domestic deposits to total assets | 90.0583% | 900 |
| Equity capital to assets | 9.6034% | 4,547 |
| Core capital (leverage) ratio | 9.6104% | 3,664 |
| Tier 1 risk-based capital ratio | 17.6773% | 2,044 |
| Total risk-based capital ratio | 18.9298% | 2,016 |
| Memoranda: | ||
| Average total assets | $48,962,000 | 6,699 |
| Average earning assets | $43,680,330 | 6,713 |
| Average equity | $4,648,330 | 6,891 |
| Average total loans | $22,700,670 | 6,925 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2258% | 7,228 |
| Cost of funding earning assets | 1.0105% | 6,329 |
| Net interest margin | 3.2153% | 6,248 |
| Noninterest income to average assets | 0.4922% | 4,105 |
| Noninterest expense to average assets | 2.2232% | 6,624 |
| Loan and lease loss provision to assets | 0.1231% | 5,350 |
| Net operating income to assets | 0.8204% | 2,881 |
| Return on assets (ROA) | 0.8204% | 2,972 |
| Pretax return on assets | 1.0172% | 3,025 |
| Return on Equity (ROE) | 8.6919% | 2,592 |
| Retained earnings to average equity (ytd only) | 8.6919% | 1,485 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0976% | 5,095 |
| Assets per employee ($millions) | 4.5068% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8731% | 2,524 |
| Loan loss allowance to noncurrent loans | 161.2167% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.5507% | 6,127 |
| Noncurrent loans to loans | 1.1619% | 5,041 |
| Net loans and leases to total assets | 44.8048% | 6,917 |
| Net loans and leases to deposits | 49.5627% | 7,150 |
| Net loans and leases to core deposits | 49.5627% | 7,298 |
| Total domestic deposits to total assets | 90.4004% | 784 |
| Equity capital to assets | 9.3838% | 4,702 |
| Core capital (leverage) ratio | 9.5601% | 3,690 |
| Tier 1 risk-based capital ratio | 17.7590% | 2,004 |
| Total risk-based capital ratio | 19.0121% | 1,975 |
| Memoranda: | ||
| Average total assets | $48,759,000 | 6,776 |
| Average earning assets | $43,542,000 | 6,795 |
| Average equity | $4,602,000 | 6,974 |
| Average total loans | $22,296,500 | 7,037 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4951% | 7,388 |
| Cost of funding earning assets | 1.2623% | 6,430 |
| Net interest margin | 3.2328% | 5,981 |
| Noninterest income to average assets | 0.5004% | 4,410 |
| Noninterest expense to average assets | 2.5454% | 5,970 |
| Loan and lease loss provision to assets | 0.1305% | 6,328 |
| Net operating income to assets | 0.6332% | 3,205 |
| Return on assets (ROA) | 0.6461% | 3,209 |
| Pretax return on assets | 0.7593% | 3,381 |
| Return on Equity (ROE) | 6.6378% | 2,935 |
| Retained earnings to average equity (ytd only) | 3.9558% | 2,429 |
| Net charge-offs to loans | 0.2546% | 5,027 |
| Credit loss provision to net charge-offs | 113.2075% | 4,842 |
| Earnings coverage of net charge-offs (x) | 7.5849% | 2,122 |
| Efficiency ratio | 74.4275% | 3,804 |
| Assets per employee ($millions) | 4.3585% | 3,176 |
| Cash dividends to net income (ytd only)* | 40.4040% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8627% | 2,369 |
| Loan loss allowance to noncurrent loans | 119.2420% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 5,635 |
| Noncurrent loans to loans | 1.5621% | 4,308 |
| Net loans and leases to total assets | 44.9450% | 7,058 |
| Net loans and leases to deposits | 49.8185% | 7,272 |
| Net loans and leases to core deposits | 62.2289% | 7,181 |
| Total domestic deposits to total assets | 90.2176% | 872 |
| Equity capital to assets | 9.4946% | 4,415 |
| Core capital (leverage) ratio | 9.2818% | 4,001 |
| Tier 1 risk-based capital ratio | 17.8313% | 1,933 |
| Total risk-based capital ratio | 19.0849% | 1,891 |
| Memoranda: | ||
| Average total assets | $45,964,800 | 6,875 |
| Average earning assets | $41,511,800 | 6,886 |
| Average equity | $4,474,400 | 7,123 |
| Average total loans | $20,818,200 | 7,149 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5272% | 7,478 |
| Cost of funding earning assets | 1.2935% | 6,577 |
| Net interest margin | 3.2337% | 5,901 |
| Noninterest income to average assets | 0.5161% | 4,355 |
| Noninterest expense to average assets | 2.5041% | 6,055 |
| Loan and lease loss provision to assets | 0.1320% | 6,041 |
| Net operating income to assets | 0.6929% | 3,239 |
| Return on assets (ROA) | 0.6979% | 3,276 |
| Pretax return on assets | 0.8181% | 3,484 |
| Return on Equity (ROE) | 7.1230% | 3,012 |
| Retained earnings to average equity (ytd only) | 5.3273% | 2,294 |
| Net charge-offs to loans | 0.0974% | 5,698 |
| Credit loss provision to net charge-offs | 300.0000% | 1,367 |
| Earnings coverage of net charge-offs (x) | 21.4660% | 1,198 |
| Efficiency ratio | 72.6190% | 4,124 |
| Assets per employee ($millions) | 4.1733% | 3,419 |
| Cash dividends to net income (ytd only)* | 25.2103% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9611% | 1,891 |
| Loan loss allowance to noncurrent loans | 186.2069% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 6,118 |
| Noncurrent loans to loans | 1.0532% | 5,212 |
| Net loans and leases to total assets | 47.0440% | 7,031 |
| Net loans and leases to deposits | 52.4863% | 7,283 |
| Net loans and leases to core deposits | 70.4876% | 6,941 |
| Total domestic deposits to total assets | 89.6310% | 913 |
| Equity capital to assets | 9.9159% | 4,195 |
| Core capital (leverage) ratio | 10.2817% | 2,990 |
| Tier 1 risk-based capital ratio | 18.0658% | 1,968 |
| Total risk-based capital ratio | 19.3223% | 1,919 |
| Memoranda: | ||
| Average total assets | $45,470,250 | 6,943 |
| Average earning assets | $41,231,250 | 6,950 |
| Average equity | $4,455,000 | 7,197 |
| Average total loans | $20,533,500 | 7,228 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4654% | 7,654 |
| Cost of funding earning assets | 1.3216% | 6,729 |
| Net interest margin | 3.1438% | 6,113 |
| Noninterest income to average assets | 0.5030% | 4,416 |
| Noninterest expense to average assets | 2.5814% | 5,813 |
| Loan and lease loss provision to assets | 0.1324% | 5,772 |
| Net operating income to assets | 0.4266% | 4,393 |
| Return on assets (ROA) | 0.4324% | 4,484 |
| Pretax return on assets | 0.6531% | 4,154 |
| Return on Equity (ROE) | 4.4317% | 4,325 |
| Retained earnings to average equity (ytd only) | 4.4317% | 2,828 |
| Net charge-offs to loans | 0.2096% | 4,200 |
| Credit loss provision to net charge-offs | 142.8571% | 3,247 |
| Earnings coverage of net charge-offs (x) | 8.3810% | 2,271 |
| Efficiency ratio | 76.8725% | 3,530 |
| Assets per employee ($millions) | 3.9310% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9457% | 1,683 |
| Loan loss allowance to noncurrent loans | 268.6275% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 6,495 |
| Noncurrent loans to loans | 0.7243% | 5,790 |
| Net loans and leases to total assets | 47.9013% | 7,042 |
| Net loans and leases to deposits | 53.6968% | 7,291 |
| Net loans and leases to core deposits | 68.8140% | 7,083 |
| Total domestic deposits to total assets | 89.2070% | 1,165 |
| Equity capital to assets | 10.3420% | 3,579 |
| Core capital (leverage) ratio | 10.1316% | 3,158 |
| Tier 1 risk-based capital ratio | 18.6629% | 1,850 |
| Total risk-based capital ratio | 19.9190% | 1,798 |
| Memoranda: | ||
| Average total assets | $45,325,000 | 7,006 |
| Average earning assets | $41,161,000 | 7,004 |
| Average equity | $4,422,670 | 7,267 |
| Average total loans | $20,035,330 | 7,322 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 7,865 |
| Cost of funding earning assets | 1.3364% | 6,914 |
| Net interest margin | 2.9364% | 6,650 |
| Noninterest income to average assets | 0.4400% | 4,874 |
| Noninterest expense to average assets | 2.4932% | 5,865 |
| Loan and lease loss provision to assets | 0.1294% | 5,299 |
| Net operating income to assets | 0.4005% | 4,857 |
| Return on assets (ROA) | 0.4141% | 4,979 |
| Pretax return on assets | 0.5262% | 4,994 |
| Return on Equity (ROE) | 4.3656% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.3656% | 3,488 |
| Net charge-offs to loans | -0.0205% | 7,446 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6143% | 2,884 |
| Assets per employee ($millions) | 4.2616% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1069% | 1,222 |
| Loan loss allowance to noncurrent loans | 271.4286% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 6,435 |
| Noncurrent loans to loans | 0.7762% | 5,493 |
| Net loans and leases to total assets | 41.4309% | 7,502 |
| Net loans and leases to deposits | 45.8845% | 7,669 |
| Net loans and leases to core deposits | 55.5549% | 7,635 |
| Total domestic deposits to total assets | 90.2940% | 682 |
| Equity capital to assets | 9.4330% | 4,767 |
| Core capital (leverage) ratio | 9.3260% | 4,206 |
| Tier 1 risk-based capital ratio | 18.6299% | 1,895 |
| Total risk-based capital ratio | 19.8854% | 1,847 |
| Memoranda: | ||
| Average total assets | $46,367,000 | 7,016 |
| Average earning assets | $42,501,500 | 6,998 |
| Average equity | $4,398,000 | 7,319 |
| Average total loans | $19,491,000 | 7,409 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1727% | 7,705 |
| Cost of funding earning assets | 1.9838% | 6,463 |
| Net interest margin | 3.1889% | 6,393 |
| Noninterest income to average assets | 0.4301% | 5,215 |
| Noninterest expense to average assets | 2.5311% | 5,885 |
| Loan and lease loss provision to assets | 0.1410% | 5,548 |
| Net operating income to assets | 0.6204% | 4,225 |
| Return on assets (ROA) | 0.6204% | 4,077 |
| Pretax return on assets | 0.6933% | 4,421 |
| Return on Equity (ROE) | 6.0855% | 3,910 |
| Retained earnings to average equity (ytd only) | 3.3193% | 3,082 |
| Net charge-offs to loans | 0.2377% | 3,871 |
| Credit loss provision to net charge-offs | 130.4348% | 4,078 |
| Earnings coverage of net charge-offs (x) | 7.7174% | 3,040 |
| Efficiency ratio | 75.2095% | 3,371 |
| Assets per employee ($millions) | 4.1687% | 3,170 |
| Cash dividends to net income (ytd only)* | 45.4545% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1001% | 1,073 |
| Loan loss allowance to noncurrent loans | 648.3871% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 6,909 |
| Noncurrent loans to loans | 0.3239% | 6,402 |
| Net loans and leases to total assets | 40.8671% | 7,633 |
| Net loans and leases to deposits | 45.3918% | 7,808 |
| Net loans and leases to core deposits | 54.3015% | 7,793 |
| Total domestic deposits to total assets | 90.0318% | 637 |
| Equity capital to assets | 9.5386% | 4,630 |
| Core capital (leverage) ratio | 8.9510% | 4,810 |
| Tier 1 risk-based capital ratio | 18.9211% | 1,832 |
| Total risk-based capital ratio | 20.1756% | 1,784 |
| Memoranda: | ||
| Average total assets | $42,550,600 | 7,101 |
| Average earning assets | $39,167,200 | 7,076 |
| Average equity | $4,338,200 | 7,379 |
| Average total loans | $19,354,800 | 7,375 |