Home > The Alta Vista State Bank > Performance and Condition Ratios
The Alta Vista State Bank, Performance and Condition Ratios
| 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 | 3.8269% | 3,860 |
| Cost of funding earning assets | 0.3598% | 3,453 |
| Net interest margin | 3.4671% | 3,624 |
| Noninterest income to average assets | 0.4977% | 3,208 |
| Noninterest expense to average assets | 2.4365% | 4,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2441% | 1,446 |
| Return on assets (ROA) | 1.2441% | 1,557 |
| Pretax return on assets | 1.3582% | 2,175 |
| Return on Equity (ROE) | 8.5878% | 2,704 |
| Retained earnings to average equity (ytd only) | 4.0076% | 3,356 |
| 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 | 64.2077% | 3,984 |
| Assets per employee ($millions) | 3.7958% | 4,272 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 3,772 |
| Loan loss allowance to noncurrent loans | 776.9231% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 5,279 |
| Noncurrent loans to loans | 0.1457% | 4,850 |
| Net loans and leases to total assets | 46.4830% | 5,097 |
| Net loans and leases to deposits | 56.5187% | 4,982 |
| Net loans and leases to core deposits | 63.5591% | 4,774 |
| Total domestic deposits to total assets | 82.2435% | 3,924 |
| Equity capital to assets | 15.1799% | 699 |
| Core capital (leverage) ratio | 13.9241% | 843 |
| Tier 1 risk-based capital ratio | 44.8515% | 173 |
| Total risk-based capital ratio | 46.1006% | 173 |
| Memoranda: | ||
| Average total assets | $19,290,330 | 5,987 |
| Average earning assets | $18,344,000 | 5,962 |
| Average equity | $2,794,670 | 5,910 |
| Average total loans | $8,357,330 | 5,940 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7337% | 4,195 |
| Cost of funding earning assets | 0.3039% | 4,116 |
| Net interest margin | 3.4297% | 3,764 |
| Noninterest income to average assets | 0.4937% | 3,166 |
| Noninterest expense to average assets | 2.4684% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6867% | 591 |
| Return on assets (ROA) | 1.6867% | 630 |
| Pretax return on assets | 1.2753% | 2,404 |
| Return on Equity (ROE) | 11.9208% | 1,337 |
| Retained earnings to average equity (ytd only) | 2.6168% | 4,198 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9341% | 3,818 |
| Assets per employee ($millions) | 3.8614% | 4,194 |
| Cash dividends to net income (ytd only)* | 78.0488% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 3,336 |
| Loan loss allowance to noncurrent loans | 721.4286% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 5,300 |
| Noncurrent loans to loans | 0.1698% | 4,806 |
| Net loans and leases to total assets | 42.1764% | 5,345 |
| Net loans and leases to deposits | 49.8958% | 5,345 |
| Net loans and leases to core deposits | 55.8084% | 5,141 |
| Total domestic deposits to total assets | 84.5289% | 3,303 |
| Equity capital to assets | 14.3937% | 859 |
| Core capital (leverage) ratio | 13.6698% | 921 |
| Tier 1 risk-based capital ratio | 31.4401% | 449 |
| Total risk-based capital ratio | 32.6352% | 447 |
| Memoranda: | ||
| Average total assets | $19,446,000 | 6,045 |
| Average earning assets | $18,427,000 | 6,021 |
| Average equity | $2,751,500 | 5,969 |
| Average total loans | $8,074,500 | 6,005 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6142% | 4,630 |
| Cost of funding earning assets | 0.4040% | 3,113 |
| Net interest margin | 3.2102% | 4,591 |
| Noninterest income to average assets | 0.3417% | 4,467 |
| Noninterest expense to average assets | 2.4228% | 4,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8263% | 3,217 |
| Return on assets (ROA) | 0.8263% | 3,294 |
| Pretax return on assets | 0.9589% | 3,615 |
| Return on Equity (ROE) | 6.1169% | 3,983 |
| Retained earnings to average equity (ytd only) | 6.0791% | 1,752 |
| Net charge-offs to loans | 1.1037% | 173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.2381% | 3,945 |
| Efficiency ratio | 71.6440% | 2,961 |
| Assets per employee ($millions) | 3.9170% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.6173% | 4,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 3,084 |
| Loan loss allowance to noncurrent loans | 833.3333% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 5,410 |
| Noncurrent loans to loans | 0.1518% | 4,889 |
| Net loans and leases to total assets | 39.8519% | 5,523 |
| Net loans and leases to deposits | 47.3777% | 5,504 |
| Net loans and leases to core deposits | 52.9332% | 5,374 |
| Total domestic deposits to total assets | 84.1154% | 3,443 |
| Equity capital to assets | 13.9086% | 963 |
| Core capital (leverage) ratio | 13.5226% | 961 |
| Tier 1 risk-based capital ratio | 32.3554% | 420 |
| Total risk-based capital ratio | 33.5727% | 411 |
| Memoranda: | ||
| Average total assets | $19,605,400 | 6,098 |
| Average earning assets | $18,565,800 | 6,075 |
| Average equity | $2,648,400 | 6,040 |
| Average total loans | $7,611,000 | 6,071 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5861% | 4,778 |
| Cost of funding earning assets | 0.4312% | 2,890 |
| Net interest margin | 3.1549% | 4,808 |
| Noninterest income to average assets | 0.3468% | 4,455 |
| Noninterest expense to average assets | 2.4408% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7683% | 3,595 |
| Return on assets (ROA) | 0.7683% | 3,685 |
| Pretax return on assets | 0.8906% | 4,012 |
| Return on Equity (ROE) | 5.7296% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.6790% | 2,463 |
| Net charge-offs to loans | 1.6628% | 79 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.3936% | 3,844 |
| Efficiency ratio | 73.2653% | 2,676 |
| Assets per employee ($millions) | 3.8172% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.8828% | 3,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 3,706 |
| Loan loss allowance to noncurrent loans | 84.9057% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 3,641 |
| Noncurrent loans to loans | 1.4027% | 1,813 |
| Net loans and leases to total assets | 39.1229% | 5,640 |
| Net loans and leases to deposits | 46.7184% | 5,624 |
| Net loans and leases to core deposits | 52.3853% | 5,485 |
| Total domestic deposits to total assets | 83.7420% | 3,525 |
| Equity capital to assets | 13.9788% | 1,031 |
| Core capital (leverage) ratio | 13.6461% | 961 |
| Tier 1 risk-based capital ratio | 32.9677% | 413 |
| Total risk-based capital ratio | 34.1024% | 411 |
| Memoranda: | ||
| Average total assets | $19,610,500 | 6,183 |
| Average earning assets | $18,552,500 | 6,161 |
| Average equity | $2,629,500 | 6,123 |
| Average total loans | $7,537,500 | 6,156 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5857% | 4,759 |
| Cost of funding earning assets | 0.4281% | 2,949 |
| Net interest margin | 3.1576% | 4,799 |
| Noninterest income to average assets | 0.2830% | 4,930 |
| Noninterest expense to average assets | 2.4260% | 4,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7682% | 3,544 |
| Return on assets (ROA) | 0.7682% | 3,646 |
| Pretax return on assets | 0.8390% | 4,171 |
| Return on Equity (ROE) | 5.8089% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.7325% | 2,393 |
| Net charge-offs to loans | -0.2125% | 6,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3034% | 2,645 |
| Assets per employee ($millions) | 3.8822% | 4,108 |
| Cash dividends to net income (ytd only)* | 1.3158% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5634% | 453 |
| Loan loss allowance to noncurrent loans | 102.1277% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.9685% | 2,590 |
| Noncurrent loans to loans | 2.5100% | 887 |
| Net loans and leases to total assets | 37.5972% | 5,752 |
| Net loans and leases to deposits | 44.1821% | 5,759 |
| Net loans and leases to core deposits | 49.3475% | 5,636 |
| Total domestic deposits to total assets | 85.0961% | 3,084 |
| Equity capital to assets | 13.3584% | 1,238 |
| Core capital (leverage) ratio | 13.2761% | 1,057 |
| Tier 1 risk-based capital ratio | 32.4109% | 445 |
| Total risk-based capital ratio | 33.6824% | 436 |
| Memoranda: | ||
| Average total assets | $19,785,330 | 6,258 |
| Average earning assets | $18,685,330 | 6,235 |
| Average equity | $2,616,670 | 6,192 |
| Average total loans | $7,531,000 | 6,226 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5365% | 4,872 |
| Cost of funding earning assets | 0.4447% | 2,827 |
| Net interest margin | 3.0918% | 4,979 |
| Noninterest income to average assets | 0.2403% | 5,253 |
| Noninterest expense to average assets | 2.4434% | 4,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7010% | 3,793 |
| Return on assets (ROA) | 0.7010% | 3,920 |
| Pretax return on assets | 0.7210% | 4,534 |
| Return on Equity (ROE) | 5.3262% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.1741% | 2,961 |
| Net charge-offs to loans | 0.1059% | 1,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,501 |
| Efficiency ratio | 77.2152% | 2,306 |
| Assets per employee ($millions) | 3.3070% | 5,231 |
| Cash dividends to net income (ytd only)* | 2.8571% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4071% | 605 |
| Loan loss allowance to noncurrent loans | 68.6792% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.3356% | 1,992 |
| Noncurrent loans to loans | 3.5048% | 550 |
| Net loans and leases to total assets | 37.1888% | 5,763 |
| Net loans and leases to deposits | 44.1354% | 5,755 |
| Net loans and leases to core deposits | 49.2262% | 5,627 |
| Total domestic deposits to total assets | 84.2607% | 3,711 |
| Equity capital to assets | 13.2295% | 1,291 |
| Core capital (leverage) ratio | 12.7104% | 1,270 |
| Tier 1 risk-based capital ratio | 30.3487% | 526 |
| Total risk-based capital ratio | 31.6037% | 519 |
| Memoranda: | ||
| Average total assets | $19,972,500 | 6,324 |
| Average earning assets | $18,888,500 | 6,297 |
| Average equity | $2,628,500 | 6,257 |
| Average total loans | $7,551,500 | 6,296 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 4,843 |
| Cost of funding earning assets | 0.4724% | 2,958 |
| Net interest margin | 3.2105% | 4,887 |
| Noninterest income to average assets | 0.2846% | 5,083 |
| Noninterest expense to average assets | 2.5211% | 4,477 |
| Loan and lease loss provision to assets | 0.0508% | 3,546 |
| Net operating income to assets | 0.6786% | 3,994 |
| Return on assets (ROA) | 0.7472% | 3,739 |
| Pretax return on assets | 0.8285% | 4,146 |
| Return on Equity (ROE) | 5.8655% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.7458% | 2,101 |
| Net charge-offs to loans | -0.2375% | 6,288 |
| Credit loss provision to net charge-offs | -55.5556% | 5,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8410% | 2,533 |
| Assets per employee ($millions) | 3.3505% | 5,167 |
| Cash dividends to net income (ytd only)* | 2.0408% | 4,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4397% | 597 |
| Loan loss allowance to noncurrent loans | 85.9813% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.0645% | 2,618 |
| Noncurrent loans to loans | 2.8374% | 820 |
| Net loans and leases to total assets | 36.6015% | 5,924 |
| Net loans and leases to deposits | 43.1909% | 5,916 |
| Net loans and leases to core deposits | 49.2141% | 5,752 |
| Total domestic deposits to total assets | 84.7436% | 3,398 |
| Equity capital to assets | 13.0926% | 1,319 |
| Core capital (leverage) ratio | 12.8569% | 1,193 |
| Tier 1 risk-based capital ratio | 29.7477% | 521 |
| Total risk-based capital ratio | 30.9518% | 518 |
| Memoranda: | ||
| Average total assets | $19,674,200 | 6,417 |
| Average earning assets | $18,626,400 | 6,389 |
| Average equity | $2,506,200 | 6,352 |
| Average total loans | $7,580,400 | 6,383 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7490% | 4,714 |
| Cost of funding earning assets | 0.4677% | 3,072 |
| Net interest margin | 3.2812% | 4,678 |
| Noninterest income to average assets | 0.2862% | 5,156 |
| Noninterest expense to average assets | 2.4871% | 4,569 |
| Loan and lease loss provision to assets | 0.0681% | 2,978 |
| Net operating income to assets | 0.9063% | 2,884 |
| Return on assets (ROA) | 1.0085% | 2,482 |
| Pretax return on assets | 0.9404% | 3,824 |
| Return on Equity (ROE) | 7.9737% | 3,224 |
| Retained earnings to average equity (ytd only) | 7.8658% | 1,421 |
| Net charge-offs to loans | -0.3162% | 6,402 |
| Credit loss provision to net charge-offs | -55.5556% | 5,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2932% | 2,941 |
| Assets per employee ($millions) | 3.3390% | 5,167 |
| Cash dividends to net income (ytd only)* | 1.3531% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3250% | 804 |
| Loan loss allowance to noncurrent loans | 85.1852% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.0782% | 2,801 |
| Noncurrent loans to loans | 2.7293% | 1,034 |
| Net loans and leases to total assets | 38.5844% | 5,908 |
| Net loans and leases to deposits | 44.6588% | 5,937 |
| Net loans and leases to core deposits | 51.0635% | 5,739 |
| Total domestic deposits to total assets | 86.3981% | 2,640 |
| Equity capital to assets | 12.9630% | 1,450 |
| Core capital (leverage) ratio | 13.0780% | 1,144 |
| Tier 1 risk-based capital ratio | 30.0476% | 524 |
| Total risk-based capital ratio | 31.3131% | 514 |
| Memoranda: | ||
| Average total assets | $19,567,000 | 6,495 |
| Average earning assets | $18,529,000 | 6,466 |
| Average equity | $2,474,750 | 6,432 |
| Average total loans | $7,590,000 | 6,459 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7111% | 4,821 |
| Cost of funding earning assets | 0.4557% | 3,254 |
| Net interest margin | 3.2553% | 4,759 |
| Noninterest income to average assets | 0.2885% | 5,113 |
| Noninterest expense to average assets | 2.5449% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0612% | 2,073 |
| Return on assets (ROA) | 1.2158% | 1,604 |
| Pretax return on assets | 0.9891% | 3,520 |
| Return on Equity (ROE) | 9.6960% | 2,283 |
| Retained earnings to average equity (ytd only) | 9.5316% | 830 |
| Net charge-offs to loans | -0.4544% | 6,502 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3049% | 2,759 |
| Assets per employee ($millions) | 3.2415% | 5,355 |
| Cash dividends to net income (ytd only)* | 1.6949% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2656% | 938 |
| Loan loss allowance to noncurrent loans | 61.0526% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 1.4654% | 2,222 |
| Noncurrent loans to loans | 3.7109% | 681 |
| Net loans and leases to total assets | 38.5932% | 5,918 |
| Net loans and leases to deposits | 45.1924% | 5,926 |
| Net loans and leases to core deposits | 50.4435% | 5,770 |
| Total domestic deposits to total assets | 85.3977% | 3,326 |
| Equity capital to assets | 13.0855% | 1,331 |
| Core capital (leverage) ratio | 13.2666% | 1,060 |
| Tier 1 risk-based capital ratio | 30.6430% | 496 |
| Total risk-based capital ratio | 31.9004% | 492 |
| Memoranda: | ||
| Average total assets | $19,411,330 | 6,564 |
| Average earning assets | $18,431,330 | 6,531 |
| Average equity | $2,434,000 | 6,491 |
| Average total loans | $7,482,000 | 6,522 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6946% | 4,864 |
| Cost of funding earning assets | 0.4321% | 3,626 |
| Net interest margin | 3.2625% | 4,698 |
| Noninterest income to average assets | 0.1856% | 5,852 |
| Noninterest expense to average assets | 2.8258% | 3,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4160% | 5,059 |
| Return on assets (ROA) | 0.5775% | 4,379 |
| Pretax return on assets | 0.6600% | 4,630 |
| Return on Equity (ROE) | 4.7089% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.7089% | 3,289 |
| Net charge-offs to loans | -0.9210% | 6,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6250% | 1,487 |
| Assets per employee ($millions) | 3.2060% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3731% | 939 |
| Loan loss allowance to noncurrent loans | 243.6620% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 5,052 |
| Noncurrent loans to loans | 0.9739% | 3,480 |
| Net loans and leases to total assets | 36.9983% | 6,017 |
| Net loans and leases to deposits | 42.7781% | 6,033 |
| Net loans and leases to core deposits | 47.7395% | 5,891 |
| Total domestic deposits to total assets | 86.4889% | 3,112 |
| Equity capital to assets | 12.5130% | 1,568 |
| Core capital (leverage) ratio | 12.7459% | 1,276 |
| Tier 1 risk-based capital ratio | 31.3325% | 471 |
| Total risk-based capital ratio | 32.6015% | 463 |
| Memoranda: | ||
| Average total assets | $19,392,500 | 6,633 |
| Average earning assets | $18,513,500 | 6,602 |
| Average equity | $2,378,500 | 6,557 |
| Average total loans | $7,383,000 | 6,592 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5483% | 5,538 |
| Cost of funding earning assets | 0.4746% | 3,868 |
| Net interest margin | 3.0737% | 5,394 |
| Noninterest income to average assets | 0.2341% | 5,672 |
| Noninterest expense to average assets | 2.3993% | 5,072 |
| Loan and lease loss provision to assets | 0.1596% | 2,289 |
| Net operating income to assets | 0.5214% | 4,642 |
| Return on assets (ROA) | 0.5214% | 4,771 |
| Pretax return on assets | 0.5692% | 4,974 |
| Return on Equity (ROE) | 4.1059% | 5,060 |
| Retained earnings to average equity (ytd only) | 4.0221% | 3,328 |
| Net charge-offs to loans | 0.1231% | 3,576 |
| Credit loss provision to net charge-offs | 333.3333% | 683 |
| Earnings coverage of net charge-offs (x) | 15.2222% | 1,889 |
| Efficiency ratio | 76.7007% | 2,675 |
| Assets per employee ($millions) | 3.2582% | 5,368 |
| Cash dividends to net income (ytd only)* | 2.0408% | 4,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0867% | 1,361 |
| Loan loss allowance to noncurrent loans | 7,800.0000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 6,389 |
| Noncurrent loans to loans | 0.0268% | 6,175 |
| Net loans and leases to total assets | 37.4444% | 6,132 |
| Net loans and leases to deposits | 44.9935% | 6,071 |
| Net loans and leases to core deposits | 50.3439% | 5,910 |
| Total domestic deposits to total assets | 83.2216% | 4,463 |
| Equity capital to assets | 12.0211% | 1,786 |
| Core capital (leverage) ratio | 12.8122% | 1,217 |
| Tier 1 risk-based capital ratio | 30.2003% | 488 |
| Total risk-based capital ratio | 31.4618% | 486 |
| Memoranda: | ||
| Average total assets | $18,796,800 | 6,719 |
| Average earning assets | $17,698,800 | 6,687 |
| Average equity | $2,386,800 | 6,643 |
| Average total loans | $7,309,800 | 6,673 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 5,652 |
| Cost of funding earning assets | 0.4900% | 3,867 |
| Net interest margin | 3.0244% | 5,534 |
| Noninterest income to average assets | 0.2150% | 5,889 |
| Noninterest expense to average assets | 2.2999% | 5,342 |
| Loan and lease loss provision to assets | 0.2150% | 1,695 |
| Net operating income to assets | 0.5374% | 4,630 |
| Return on assets (ROA) | 0.5947% | 4,500 |
| Pretax return on assets | 0.5875% | 5,065 |
| Return on Equity (ROE) | 4.6185% | 4,919 |
| Retained earnings to average equity (ytd only) | 4.5075% | 3,468 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5294% | 2,803 |
| Assets per employee ($millions) | 3.1583% | 5,574 |
| Cash dividends to net income (ytd only)* | 2.4128% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3508% | 1,108 |
| Loan loss allowance to noncurrent loans | 717.3913% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 6,062 |
| Noncurrent loans to loans | 0.3277% | 5,399 |
| Net loans and leases to total assets | 36.1689% | 6,275 |
| Net loans and leases to deposits | 43.1340% | 6,257 |
| Net loans and leases to core deposits | 48.4005% | 6,103 |
| Total domestic deposits to total assets | 83.8522% | 4,255 |
| Equity capital to assets | 12.5435% | 1,556 |
| Core capital (leverage) ratio | 12.9946% | 1,209 |
| Tier 1 risk-based capital ratio | 32.7707% | 408 |
| Total risk-based capital ratio | 34.1615% | 396 |
| Memoranda: | ||
| Average total assets | $18,608,750 | 6,795 |
| Average earning assets | $17,413,250 | 6,771 |
| Average equity | $2,396,000 | 6,718 |
| Average total loans | $7,268,250 | 6,751 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4969% | 5,701 |
| Cost of funding earning assets | 0.4847% | 4,038 |
| Net interest margin | 3.0122% | 5,544 |
| Noninterest income to average assets | 0.1730% | 6,170 |
| Noninterest expense to average assets | 2.2384% | 5,527 |
| Loan and lease loss provision to assets | 0.3244% | 1,074 |
| Net operating income to assets | 0.4144% | 5,165 |
| Return on assets (ROA) | 0.4974% | 4,986 |
| Pretax return on assets | 0.5191% | 5,309 |
| Return on Equity (ROE) | 3.8296% | 5,280 |
| Retained earnings to average equity (ytd only) | 3.7464% | 3,915 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7292% | 2,984 |
| Assets per employee ($millions) | 3.0963% | 5,687 |
| Cash dividends to net income (ytd only)* | 2.1739% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3239% | 1,224 |
| Loan loss allowance to noncurrent loans | 1,650.0000% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 6,344 |
| Noncurrent loans to loans | 0.1408% | 5,972 |
| Net loans and leases to total assets | 37.3291% | 6,216 |
| Net loans and leases to deposits | 43.1388% | 6,275 |
| Net loans and leases to core deposits | 48.3376% | 6,114 |
| Total domestic deposits to total assets | 86.5325% | 3,100 |
| Equity capital to assets | 12.8431% | 1,405 |
| Core capital (leverage) ratio | 12.7769% | 1,254 |
| Tier 1 risk-based capital ratio | 23.7109% | 1,028 |
| Total risk-based capital ratio | 24.9652% | 1,014 |
| Memoranda: | ||
| Average total assets | $18,495,000 | 6,848 |
| Average earning assets | $17,329,670 | 6,819 |
| Average equity | $2,402,330 | 6,768 |
| Average total loans | $7,351,330 | 6,794 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4121% | 5,917 |
| Cost of funding earning assets | 0.4841% | 4,245 |
| Net interest margin | 2.9280% | 5,758 |
| Noninterest income to average assets | 0.1517% | 6,345 |
| Noninterest expense to average assets | 2.2760% | 5,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5445% | 4,480 |
| Return on assets (ROA) | 0.6936% | 3,866 |
| Pretax return on assets | 0.8020% | 4,160 |
| Return on Equity (ROE) | 5.3101% | 4,395 |
| Retained earnings to average equity (ytd only) | 5.1442% | 3,146 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3582% | 2,556 |
| Assets per employee ($millions) | 3.0360% | 5,919 |
| Cash dividends to net income (ytd only)* | 3.1250% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8884% | 2,336 |
| Loan loss allowance to noncurrent loans | 82.3171% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.9003% | 4,134 |
| Noncurrent loans to loans | 2.2940% | 2,279 |
| Net loans and leases to total assets | 38.5046% | 6,120 |
| Net loans and leases to deposits | 44.9846% | 6,124 |
| Net loans and leases to core deposits | 50.5951% | 5,928 |
| Total domestic deposits to total assets | 85.5951% | 3,741 |
| Equity capital to assets | 13.2905% | 1,300 |
| Core capital (leverage) ratio | 13.0242% | 1,105 |
| Tier 1 risk-based capital ratio | 23.7529% | 1,051 |
| Total risk-based capital ratio | 25.0025% | 1,032 |
| Memoranda: | ||
| Average total assets | $18,453,500 | 6,921 |
| Average earning assets | $17,350,000 | 6,892 |
| Average equity | $2,410,500 | 6,831 |
| Average total loans | $7,477,000 | 6,863 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 4,272 |
| Cost of funding earning assets | 0.5453% | 4,856 |
| Net interest margin | 3.7353% | 3,500 |
| Noninterest income to average assets | 0.4141% | 4,499 |
| Noninterest expense to average assets | 2.4683% | 5,198 |
| Loan and lease loss provision to assets | 0.1526% | 3,706 |
| Net operating income to assets | 0.9260% | 2,671 |
| Return on assets (ROA) | 1.0135% | 2,493 |
| Pretax return on assets | 1.3840% | 2,096 |
| Return on Equity (ROE) | 7.9712% | 3,096 |
| Retained earnings to average equity (ytd only) | 7.8855% | 1,162 |
| Net charge-offs to loans | 0.3814% | 2,731 |
| Credit loss provision to net charge-offs | 90.3226% | 3,466 |
| Earnings coverage of net charge-offs (x) | 8.3871% | 2,423 |
| Efficiency ratio | 63.5344% | 4,976 |
| Assets per employee ($millions) | 3.1152% | 5,816 |
| Cash dividends to net income (ytd only)* | 1.0753% | 4,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 2,819 |
| Loan loss allowance to noncurrent loans | 241.0714% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 5,393 |
| Noncurrent loans to loans | 0.7175% | 4,747 |
| Net loans and leases to total assets | 41.0358% | 6,095 |
| Net loans and leases to deposits | 48.5320% | 6,069 |
| Net loans and leases to core deposits | 54.4938% | 5,842 |
| Total domestic deposits to total assets | 84.5541% | 4,063 |
| Equity capital to assets | 12.8404% | 1,526 |
| Core capital (leverage) ratio | 12.4754% | 1,330 |
| Tier 1 risk-based capital ratio | 27.0006% | 691 |
| Total risk-based capital ratio | 28.2556% | 682 |
| Memoranda: | ||
| Average total assets | $18,352,600 | 6,982 |
| Average earning assets | $17,053,400 | 6,955 |
| Average equity | $2,333,400 | 6,912 |
| Average total loans | $8,128,400 | 6,912 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 4,084 |
| Cost of funding earning assets | 0.5579% | 5,014 |
| Net interest margin | 3.8348% | 3,181 |
| Noninterest income to average assets | 0.4671% | 4,163 |
| Noninterest expense to average assets | 2.4231% | 5,332 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1313% | 1,977 |
| Return on assets (ROA) | 1.1823% | 1,983 |
| Pretax return on assets | 1.6786% | 1,335 |
| Return on Equity (ROE) | 9.3230% | 2,663 |
| Retained earnings to average equity (ytd only) | 9.2082% | 1,154 |
| Net charge-offs to loans | 0.0975% | 4,409 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 36.6663% | 939 |
| Efficiency ratio | 60.1449% | 5,468 |
| Assets per employee ($millions) | 3.0508% | 5,963 |
| Cash dividends to net income (ytd only)* | 1.2362% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 3,268 |
| Loan loss allowance to noncurrent loans | 95.6522% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.8959% | 4,492 |
| Noncurrent loans to loans | 1.7440% | 3,168 |
| Net loans and leases to total assets | 42.5075% | 6,082 |
| Net loans and leases to deposits | 49.2375% | 6,173 |
| Net loans and leases to core deposits | 55.2863% | 5,941 |
| Total domestic deposits to total assets | 86.3316% | 3,067 |
| Equity capital to assets | 13.0511% | 1,575 |
| Core capital (leverage) ratio | 12.7032% | 1,317 |
| Tier 1 risk-based capital ratio | 25.3717% | 878 |
| Total risk-based capital ratio | 26.6288% | 863 |
| Memoranda: | ||
| Average total assets | $18,268,000 | 7,075 |
| Average earning assets | $16,967,000 | 7,052 |
| Average equity | $2,316,750 | 7,004 |
| Average total loans | $8,209,250 | 7,003 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 3,815 |
| Cost of funding earning assets | 0.5757% | 5,109 |
| Net interest margin | 3.9124% | 2,856 |
| Noninterest income to average assets | 0.6026% | 3,243 |
| Noninterest expense to average assets | 2.5307% | 5,039 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1832% | 1,772 |
| Return on assets (ROA) | 1.1832% | 1,974 |
| Pretax return on assets | 1.7200% | 1,209 |
| Return on Equity (ROE) | 9.4213% | 2,606 |
| Retained earnings to average equity (ytd only) | 9.3341% | 1,164 |
| Net charge-offs to loans | 0.2889% | 2,875 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 13.0833% | 1,822 |
| Efficiency ratio | 59.5361% | 5,649 |
| Assets per employee ($millions) | 3.0930% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.9259% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 4,035 |
| Loan loss allowance to noncurrent loans | 466.6667% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 6,057 |
| Noncurrent loans to loans | 0.3201% | 5,914 |
| Net loans and leases to total assets | 44.7731% | 5,941 |
| Net loans and leases to deposits | 53.7278% | 5,898 |
| Net loans and leases to core deposits | 60.4907% | 5,546 |
| Total domestic deposits to total assets | 83.3333% | 4,609 |
| Equity capital to assets | 12.7492% | 1,658 |
| Core capital (leverage) ratio | 12.4029% | 1,395 |
| Tier 1 risk-based capital ratio | 23.6176% | 1,062 |
| Total risk-based capital ratio | 24.8672% | 1,047 |
| Memoranda: | ||
| Average total assets | $18,255,670 | 7,136 |
| Average earning assets | $17,023,000 | 7,115 |
| Average equity | $2,292,670 | 7,055 |
| Average total loans | $8,308,000 | 7,064 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 4,079 |
| Cost of funding earning assets | 0.6164% | 4,998 |
| Net interest margin | 3.8409% | 3,182 |
| Noninterest income to average assets | 0.3314% | 5,208 |
| Noninterest expense to average assets | 2.8280% | 3,911 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8175% | 3,308 |
| Return on assets (ROA) | 0.8175% | 3,537 |
| Pretax return on assets | 1.0826% | 3,393 |
| Return on Equity (ROE) | 6.5603% | 4,005 |
| Retained earnings to average equity (ytd only) | 6.3830% | 2,748 |
| Net charge-offs to loans | 0.5822% | 1,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.0833% | 2,667 |
| Efficiency ratio | 72.3164% | 3,377 |
| Assets per employee ($millions) | 3.0183% | 6,116 |
| Cash dividends to net income (ytd only)* | 2.7027% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 3,975 |
| Loan loss allowance to noncurrent loans | 217.2414% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 4,616 |
| Noncurrent loans to loans | 0.7103% | 5,243 |
| Net loans and leases to total assets | 44.3954% | 5,970 |
| Net loans and leases to deposits | 51.2363% | 6,048 |
| Net loans and leases to core deposits | 57.5807% | 5,749 |
| Total domestic deposits to total assets | 86.6483% | 3,150 |
| Equity capital to assets | 12.5566% | 1,686 |
| Core capital (leverage) ratio | 11.9650% | 1,609 |
| Tier 1 risk-based capital ratio | 25.0827% | 899 |
| Total risk-based capital ratio | 26.3254% | 886 |
| Memoranda: | ||
| Average total assets | $18,104,500 | 7,205 |
| Average earning assets | $16,871,000 | 7,174 |
| Average equity | $2,256,000 | 7,112 |
| Average total loans | $8,244,500 | 7,127 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 4,384 |
| Cost of funding earning assets | 0.7446% | 5,245 |
| Net interest margin | 3.9225% | 3,243 |
| Noninterest income to average assets | -0.1195% | 7,113 |
| Noninterest expense to average assets | 2.3244% | 5,988 |
| Loan and lease loss provision to assets | 0.5431% | 1,932 |
| Net operating income to assets | 0.3096% | 5,217 |
| Return on assets (ROA) | 0.4833% | 4,704 |
| Pretax return on assets | 0.9178% | 3,554 |
| Return on Equity (ROE) | 4.0290% | 4,831 |
| Retained earnings to average equity (ytd only) | 3.9384% | 3,396 |
| Net charge-offs to loans | 1.7754% | 835 |
| Credit loss provision to net charge-offs | 66.6667% | 4,975 |
| Earnings coverage of net charge-offs (x) | 1.4600% | 4,673 |
| Efficiency ratio | 66.1515% | 4,745 |
| Assets per employee ($millions) | 3.0165% | 6,051 |
| Cash dividends to net income (ytd only)* | 2.2472% | 4,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 3,340 |
| Loan loss allowance to noncurrent loans | 226.2295% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.9835% | 4,646 |
| Noncurrent loans to loans | 0.7329% | 5,232 |
| Net loans and leases to total assets | 45.2235% | 6,088 |
| Net loans and leases to deposits | 53.0460% | 6,136 |
| Net loans and leases to core deposits | 59.7402% | 5,875 |
| Total domestic deposits to total assets | 85.2533% | 3,721 |
| Equity capital to assets | 12.3653% | 1,876 |
| Core capital (leverage) ratio | 11.7382% | 1,746 |
| Tier 1 risk-based capital ratio | 26.4991% | 739 |
| Total risk-based capital ratio | 27.7498% | 724 |
| Memoranda: | ||
| Average total assets | $18,413,600 | 7,233 |
| Average earning assets | $17,055,400 | 7,205 |
| Average equity | $2,209,000 | 7,178 |
| Average total loans | $8,449,000 | 7,166 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6798% | 4,549 |
| Cost of funding earning assets | 0.7787% | 5,284 |
| Net interest margin | 3.9011% | 3,376 |
| Noninterest income to average assets | 0.3028% | 5,443 |
| Noninterest expense to average assets | 2.3000% | 6,038 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9999% | 2,323 |
| Return on assets (ROA) | 1.1752% | 1,845 |
| Pretax return on assets | 1.8891% | 802 |
| Return on Equity (ROE) | 9.8708% | 2,240 |
| Retained earnings to average equity (ytd only) | 9.8099% | 896 |
| Net charge-offs to loans | 0.0943% | 5,032 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 37.3325% | 806 |
| Efficiency ratio | 58.7477% | 5,899 |
| Assets per employee ($millions) | 2.5916% | 6,791 |
| Cash dividends to net income (ytd only)* | 0.6120% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1973% | 1,865 |
| Loan loss allowance to noncurrent loans | 195.6989% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 1.5986% | 3,688 |
| Noncurrent loans to loans | 1.1228% | 4,668 |
| Net loans and leases to total assets | 44.6558% | 6,267 |
| Net loans and leases to deposits | 52.2645% | 6,341 |
| Net loans and leases to core deposits | 58.8265% | 6,064 |
| Total domestic deposits to total assets | 85.4418% | 3,531 |
| Equity capital to assets | 12.6399% | 1,827 |
| Core capital (leverage) ratio | 12.2056% | 1,591 |
| Tier 1 risk-based capital ratio | 26.0046% | 839 |
| Total risk-based capital ratio | 27.2706% | 812 |
| Memoranda: | ||
| Average total assets | $18,492,250 | 7,310 |
| Average earning assets | $17,122,750 | 7,275 |
| Average equity | $2,201,750 | 7,254 |
| Average total loans | $8,480,500 | 7,236 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7134% | 4,478 |
| Cost of funding earning assets | 0.7856% | 5,473 |
| Net interest margin | 3.9278% | 3,180 |
| Noninterest income to average assets | 0.2687% | 5,722 |
| Noninterest expense to average assets | 2.4289% | 5,751 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7282% | 3,393 |
| Return on assets (ROA) | 0.8383% | 3,017 |
| Pretax return on assets | 1.6658% | 1,120 |
| Return on Equity (ROE) | 7.1845% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.0924% | 1,837 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9178% | 5,594 |
| Assets per employee ($millions) | 3.7256% | 4,367 |
| Cash dividends to net income (ytd only)* | 1.2821% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1886% | 1,944 |
| Loan loss allowance to noncurrent loans | 188.0000% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 1.5944% | 3,809 |
| Noncurrent loans to loans | 1.1641% | 4,709 |
| Net loans and leases to total assets | 45.1041% | 6,341 |
| Net loans and leases to deposits | 53.1604% | 6,375 |
| Net loans and leases to core deposits | 59.6903% | 6,114 |
| Total domestic deposits to total assets | 84.8454% | 3,946 |
| Equity capital to assets | 11.9605% | 2,117 |
| Core capital (leverage) ratio | 11.5537% | 1,878 |
| Tier 1 risk-based capital ratio | 20.9747% | 1,424 |
| Total risk-based capital ratio | 22.2320% | 1,400 |
| Memoranda: | ||
| Average total assets | $18,609,330 | 7,377 |
| Average earning assets | $17,312,330 | 7,343 |
| Average equity | $2,171,330 | 7,322 |
| Average total loans | $8,546,330 | 7,300 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6056% | 4,918 |
| Cost of funding earning assets | 0.8060% | 5,546 |
| Net interest margin | 3.7997% | 3,621 |
| Noninterest income to average assets | 0.1935% | 6,338 |
| Noninterest expense to average assets | 2.7312% | 4,716 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4895% | 4,523 |
| Return on assets (ROA) | 0.7097% | 3,546 |
| Pretax return on assets | 1.3548% | 1,867 |
| Return on Equity (ROE) | 6.1596% | 3,811 |
| Retained earnings to average equity (ytd only) | 5.9729% | 2,658 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9885% | 3,687 |
| Assets per employee ($millions) | 3.7090% | 4,518 |
| Cash dividends to net income (ytd only)* | 3.0303% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2275% | 1,901 |
| Loan loss allowance to noncurrent loans | 202.1505% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 1.5638% | 3,904 |
| Noncurrent loans to loans | 1.1019% | 4,854 |
| Net loans and leases to total assets | 44.4972% | 6,433 |
| Net loans and leases to deposits | 50.5947% | 6,579 |
| Net loans and leases to core deposits | 56.5942% | 6,363 |
| Total domestic deposits to total assets | 87.9482% | 2,401 |
| Equity capital to assets | 11.5719% | 2,211 |
| Core capital (leverage) ratio | 11.2517% | 2,002 |
| Tier 1 risk-based capital ratio | 24.3499% | 938 |
| Total risk-based capital ratio | 25.6096% | 922 |
| Memoranda: | ||
| Average total assets | $18,600,000 | 7,433 |
| Average earning assets | $17,370,000 | 7,400 |
| Average equity | $2,143,000 | 7,379 |
| Average total loans | $8,524,500 | 7,362 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6801% | 5,861 |
| Cost of funding earning assets | 0.8967% | 6,185 |
| Net interest margin | 3.7834% | 4,012 |
| Noninterest income to average assets | 0.2617% | 5,921 |
| Noninterest expense to average assets | 2.4733% | 5,884 |
| Loan and lease loss provision to assets | 0.2137% | 5,118 |
| Net operating income to assets | 0.7404% | 3,043 |
| Return on assets (ROA) | 0.8547% | 2,708 |
| Pretax return on assets | 1.2340% | 2,126 |
| Return on Equity (ROE) | 7.8232% | 2,768 |
| Retained earnings to average equity (ytd only) | 7.6276% | 1,108 |
| Net charge-offs to loans | -0.2555% | 7,557 |
| Credit loss provision to net charge-offs | -181.8182% | 7,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8606% | 4,996 |
| Assets per employee ($millions) | 3.1092% | 5,863 |
| Cash dividends to net income (ytd only)* | 2.5000% | 3,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1838% | 1,901 |
| Loan loss allowance to noncurrent loans | 268.5714% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 1.4313% | 4,193 |
| Noncurrent loans to loans | 0.8131% | 5,424 |
| Net loans and leases to total assets | 45.1407% | 6,626 |
| Net loans and leases to deposits | 52.6313% | 6,700 |
| Net loans and leases to core deposits | 59.0078% | 6,472 |
| Total domestic deposits to total assets | 85.7679% | 3,467 |
| Equity capital to assets | 11.4715% | 2,286 |
| Core capital (leverage) ratio | 11.1368% | 2,062 |
| Tier 1 risk-based capital ratio | 23.1249% | 1,022 |
| Total risk-based capital ratio | 24.3843% | 1,001 |
| Memoranda: | ||
| Average total assets | $18,720,200 | 7,495 |
| Average earning assets | $17,286,000 | 7,469 |
| Average equity | $2,045,200 | 7,498 |
| Average total loans | $8,612,000 | 7,441 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 6,417 |
| Cost of funding earning assets | 0.9200% | 6,311 |
| Net interest margin | 3.6491% | 4,643 |
| Noninterest income to average assets | 0.2704% | 5,955 |
| Noninterest expense to average assets | 2.5333% | 5,592 |
| Loan and lease loss provision to assets | 0.2846% | 4,300 |
| Net operating income to assets | 0.5594% | 4,054 |
| Return on assets (ROA) | 0.7116% | 3,516 |
| Pretax return on assets | 1.0318% | 3,065 |
| Return on Equity (ROE) | 6.5956% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.4635% | 2,111 |
| Net charge-offs to loans | 0.0310% | 6,250 |
| Credit loss provision to net charge-offs | 2,000.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 76.9026% | 394 |
| Efficiency ratio | 69.8039% | 4,109 |
| Assets per employee ($millions) | 3.0247% | 6,100 |
| Cash dividends to net income (ytd only)* | 2.0026% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8771% | 2,549 |
| Loan loss allowance to noncurrent loans | 1,822.2222% | 209 |
| Noncurrent assets plus other real estate owned to assets | 1.1351% | 4,850 |
| Noncurrent loans to loans | 0.1030% | 6,978 |
| Net loans and leases to total assets | 47.2394% | 6,585 |
| Net loans and leases to deposits | 53.9013% | 6,777 |
| Net loans and leases to core deposits | 60.4755% | 6,572 |
| Total domestic deposits to total assets | 87.6405% | 2,190 |
| Equity capital to assets | 11.5881% | 2,463 |
| Core capital (leverage) ratio | 10.9875% | 2,270 |
| Tier 1 risk-based capital ratio | 19.5593% | 1,634 |
| Total risk-based capital ratio | 20.8115% | 1,600 |
| Memoranda: | ||
| Average total assets | $18,736,500 | 7,592 |
| Average earning assets | $17,246,000 | 7,566 |
| Average equity | $2,021,500 | 7,594 |
| Average total loans | $8,612,750 | 7,540 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4429% | 6,818 |
| Cost of funding earning assets | 0.9414% | 6,421 |
| Net interest margin | 3.5015% | 5,238 |
| Noninterest income to average assets | 0.2535% | 6,098 |
| Noninterest expense to average assets | 2.5459% | 5,538 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6443% | 3,650 |
| Return on assets (ROA) | 0.8557% | 2,851 |
| Pretax return on assets | 1.2360% | 2,303 |
| Return on Equity (ROE) | 8.1230% | 2,839 |
| Retained earnings to average equity (ytd only) | 7.9225% | 1,469 |
| Net charge-offs to loans | -0.0233% | 7,304 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2523% | 3,609 |
| Assets per employee ($millions) | 3.1127% | 5,891 |
| Cash dividends to net income (ytd only)* | 2.4691% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 4,283 |
| Loan loss allowance to noncurrent loans | 423.3333% | 737 |
| Noncurrent assets plus other real estate owned to assets | 1.2155% | 4,706 |
| Noncurrent loans to loans | 0.3381% | 6,554 |
| Net loans and leases to total assets | 46.8355% | 6,719 |
| Net loans and leases to deposits | 53.7549% | 6,879 |
| Net loans and leases to core deposits | 60.1458% | 6,705 |
| Total domestic deposits to total assets | 87.1279% | 2,468 |
| Equity capital to assets | 11.0463% | 2,811 |
| Core capital (leverage) ratio | 10.6221% | 2,524 |
| Tier 1 risk-based capital ratio | 16.8439% | 2,343 |
| Total risk-based capital ratio | 17.9156% | 2,365 |
| Memoranda: | ||
| Average total assets | $18,932,670 | 7,653 |
| Average earning assets | $17,421,000 | 7,627 |
| Average equity | $1,994,330 | 7,662 |
| Average total loans | $8,571,330 | 7,603 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1644% | 7,297 |
| Cost of funding earning assets | 0.9506% | 6,579 |
| Net interest margin | 3.2139% | 6,255 |
| Noninterest income to average assets | 0.2308% | 6,303 |
| Noninterest expense to average assets | 2.7701% | 4,606 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3148% | 5,234 |
| Return on assets (ROA) | 0.3148% | 5,363 |
| Pretax return on assets | 0.4407% | 5,160 |
| Return on Equity (ROE) | 3.0612% | 5,311 |
| Retained earnings to average equity (ytd only) | 2.6531% | 4,557 |
| Net charge-offs to loans | -0.0475% | 7,333 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2745% | 1,770 |
| Assets per employee ($millions) | 3.1578% | 5,866 |
| Cash dividends to net income (ytd only)* | 13.3333% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 3,886 |
| Loan loss allowance to noncurrent loans | 114.4144% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 1.6256% | 4,050 |
| Noncurrent loans to loans | 1.3150% | 4,782 |
| Net loans and leases to total assets | 43.8803% | 7,003 |
| Net loans and leases to deposits | 50.5995% | 7,101 |
| Net loans and leases to core deposits | 56.5501% | 6,961 |
| Total domestic deposits to total assets | 86.7209% | 2,781 |
| Equity capital to assets | 10.3605% | 3,392 |
| Core capital (leverage) ratio | 10.2762% | 2,833 |
| Tier 1 risk-based capital ratio | 20.3007% | 1,465 |
| Total risk-based capital ratio | 21.5517% | 1,433 |
| Memoranda: | ||
| Average total assets | $19,061,000 | 7,746 |
| Average earning assets | $17,673,500 | 7,714 |
| Average equity | $1,960,000 | 7,751 |
| Average total loans | $8,420,000 | 7,709 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4022% | 4,688 |
| Cost of funding earning assets | 1.7414% | 4,298 |
| Net interest margin | 3.6608% | 4,305 |
| Noninterest income to average assets | 0.2712% | 6,176 |
| Noninterest expense to average assets | 2.5762% | 5,882 |
| Loan and lease loss provision to assets | 0.8188% | 2,676 |
| Net operating income to assets | 0.3442% | 4,353 |
| Return on assets (ROA) | 0.6049% | 3,382 |
| Pretax return on assets | 0.5684% | 3,991 |
| Return on Equity (ROE) | 6.1722% | 3,138 |
| Retained earnings to average equity (ytd only) | 6.1722% | 1,287 |
| Net charge-offs to loans | 2.5124% | 918 |
| Credit loss provision to net charge-offs | 72.6852% | 6,438 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 5,110 |
| Efficiency ratio | 69.5775% | 4,717 |
| Assets per employee ($millions) | 3.1958% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 3,656 |
| Loan loss allowance to noncurrent loans | 123.3010% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 1.5645% | 4,034 |
| Noncurrent loans to loans | 1.2263% | 4,898 |
| Net loans and leases to total assets | 43.1395% | 7,168 |
| Net loans and leases to deposits | 48.2698% | 7,347 |
| Net loans and leases to core deposits | 66.0703% | 6,978 |
| Total domestic deposits to total assets | 89.3716% | 1,281 |
| Equity capital to assets | 10.2060% | 3,504 |
| Core capital (leverage) ratio | 9.7129% | 3,435 |
| Tier 1 risk-based capital ratio | 19.7285% | 1,509 |
| Total risk-based capital ratio | 20.9833% | 1,475 |
| Memoranda: | ||
| Average total assets | $19,175,200 | 7,798 |
| Average earning assets | $17,974,000 | 7,761 |
| Average equity | $1,879,400 | 7,863 |
| Average total loans | $8,597,400 | 7,761 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5167% | 4,333 |
| Cost of funding earning assets | 1.8832% | 3,968 |
| Net interest margin | 3.6334% | 4,358 |
| Noninterest income to average assets | 0.3060% | 6,033 |
| Noninterest expense to average assets | 2.6561% | 5,506 |
| Loan and lease loss provision to assets | 1.0917% | 1,792 |
| Net operating income to assets | 0.0834% | 5,517 |
| Return on assets (ROA) | 0.2086% | 5,207 |
| Pretax return on assets | 0.1043% | 5,516 |
| Return on Equity (ROE) | 2.1505% | 5,112 |
| Retained earnings to average equity (ytd only) | 2.1505% | 4,125 |
| Net charge-offs to loans | 3.3305% | 470 |
| Credit loss provision to net charge-offs | 72.6852% | 5,929 |
| Earnings coverage of net charge-offs (x) | 0.7130% | 5,325 |
| Efficiency ratio | 71.2687% | 4,371 |
| Assets per employee ($millions) | 3.3330% | 5,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 3,548 |
| Loan loss allowance to noncurrent loans | 198.4375% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 1.3051% | 4,471 |
| Noncurrent loans to loans | 0.7459% | 5,819 |
| Net loans and leases to total assets | 42.2692% | 7,344 |
| Net loans and leases to deposits | 47.1629% | 7,536 |
| Net loans and leases to core deposits | 67.5807% | 7,089 |
| Total domestic deposits to total assets | 89.6240% | 915 |
| Equity capital to assets | 9.5160% | 4,728 |
| Core capital (leverage) ratio | 9.0963% | 4,495 |
| Tier 1 risk-based capital ratio | 18.8833% | 1,772 |
| Total risk-based capital ratio | 20.1298% | 1,736 |
| Memoranda: | ||
| Average total assets | $19,175,250 | 7,872 |
| Average earning assets | $18,054,000 | 7,839 |
| Average equity | $1,860,000 | 7,946 |
| Average total loans | $8,647,000 | 7,834 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6326% | 3,897 |
| Cost of funding earning assets | 1.9860% | 3,843 |
| Net interest margin | 3.6466% | 4,183 |
| Noninterest income to average assets | 0.3174% | 5,964 |
| Noninterest expense to average assets | 2.5925% | 5,769 |
| Loan and lease loss provision to assets | 0.8994% | 1,878 |
| Net operating income to assets | 0.4127% | 4,459 |
| Return on assets (ROA) | 0.4444% | 4,422 |
| Pretax return on assets | 0.2963% | 5,223 |
| Return on Equity (ROE) | 4.5512% | 4,281 |
| Retained earnings to average equity (ytd only) | 4.5512% | 2,762 |
| Net charge-offs to loans | 3.5528% | 436 |
| Credit loss provision to net charge-offs | 55.1948% | 5,676 |
| Earnings coverage of net charge-offs (x) | 0.7143% | 5,007 |
| Efficiency ratio | 69.0141% | 4,980 |
| Assets per employee ($millions) | 3.2558% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 3,963 |
| Loan loss allowance to noncurrent loans | 35.7798% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 1.6739% | 3,680 |
| Noncurrent loans to loans | 3.7830% | 1,814 |
| Net loans and leases to total assets | 43.6499% | 7,354 |
| Net loans and leases to deposits | 48.6507% | 7,540 |
| Net loans and leases to core deposits | 69.7791% | 7,029 |
| Total domestic deposits to total assets | 89.7210% | 953 |
| Equity capital to assets | 9.5572% | 4,540 |
| Core capital (leverage) ratio | 9.6164% | 3,742 |
| Tier 1 risk-based capital ratio | 13.5254% | 3,802 |
| Total risk-based capital ratio | 14.3831% | 3,968 |
| Memoranda: | ||
| Average total assets | $18,901,000 | 7,960 |
| Average earning assets | $17,824,670 | 7,925 |
| Average equity | $1,845,670 | 8,031 |
| Average total loans | $8,669,330 | 7,918 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7521% | 3,517 |
| Cost of funding earning assets | 2.0835% | 3,722 |
| Net interest margin | 3.6687% | 4,027 |
| Noninterest income to average assets | 0.3229% | 5,871 |
| Noninterest expense to average assets | 2.7120% | 4,944 |
| Loan and lease loss provision to assets | 1.1838% | 1,094 |
| Net operating income to assets | 0.3031% | 5,289 |
| Return on assets (ROA) | 0.3444% | 5,278 |
| Pretax return on assets | -0.0215% | 6,404 |
| Return on Equity (ROE) | 3.4877% | 5,175 |
| Retained earnings to average equity (ytd only) | 3.2698% | 4,056 |
| Net charge-offs to loans | -0.0461% | 7,670 |
| Credit loss provision to net charge-offs | -5,500.0000% | 6,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1864% | 4,325 |
| Assets per employee ($millions) | 2.6856% | 6,918 |
| Cash dividends to net income (ytd only)* | 6.2500% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7877% | 590 |
| Loan loss allowance to noncurrent loans | 50.3119% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 2.5586% | 2,244 |
| Noncurrent loans to loans | 5.5408% | 920 |
| Net loans and leases to total assets | 44.8907% | 7,274 |
| Net loans and leases to deposits | 50.3340% | 7,479 |
| Net loans and leases to core deposits | 74.2804% | 6,792 |
| Total domestic deposits to total assets | 89.1856% | 1,151 |
| Equity capital to assets | 9.8941% | 4,122 |
| Core capital (leverage) ratio | 9.6124% | 3,859 |
| Tier 1 risk-based capital ratio | 18.4344% | 1,952 |
| Total risk-based capital ratio | 19.7019% | 1,906 |
| Memoranda: | ||
| Average total assets | $18,584,000 | 8,019 |
| Average earning assets | $17,663,000 | 7,975 |
| Average equity | $1,835,000 | 8,084 |
| Average total loans | $8,682,000 | 7,968 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0675% | 5,217 |
| Cost of funding earning assets | 2.4739% | 4,341 |
| Net interest margin | 3.5937% | 4,918 |
| Noninterest income to average assets | 0.3389% | 6,028 |
| Noninterest expense to average assets | 2.4317% | 6,291 |
| Loan and lease loss provision to assets | 0.1775% | 5,122 |
| Net operating income to assets | 0.8352% | 3,285 |
| Return on assets (ROA) | 0.7747% | 3,387 |
| Pretax return on assets | 1.0329% | 3,263 |
| Return on Equity (ROE) | 8.3770% | 2,901 |
| Retained earnings to average equity (ytd only) | 8.1443% | 799 |
| Net charge-offs to loans | -0.7386% | 8,229 |
| Credit loss provision to net charge-offs | -54.0984% | 7,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3179% | 5,248 |
| Assets per employee ($millions) | 2.6241% | 6,951 |
| Cash dividends to net income (ytd only)* | 2.7778% | 4,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1421% | 1,011 |
| Loan loss allowance to noncurrent loans | 38.5892% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 2.6240% | 1,822 |
| Noncurrent loans to loans | 5.5511% | 724 |
| Net loans and leases to total assets | 46.2573% | 7,305 |
| Net loans and leases to deposits | 51.7699% | 7,544 |
| Net loans and leases to core deposits | 78.0185% | 6,747 |
| Total domestic deposits to total assets | 89.3516% | 896 |
| Equity capital to assets | 9.8536% | 4,217 |
| Core capital (leverage) ratio | 9.6977% | 3,767 |
| Tier 1 risk-based capital ratio | 18.1772% | 1,997 |
| Total risk-based capital ratio | 19.4374% | 1,943 |
| Memoranda: | ||
| Average total assets | $18,587,600 | 8,061 |
| Average earning assets | $17,503,000 | 8,023 |
| Average equity | $1,719,000 | 8,178 |
| Average total loans | $8,259,000 | 8,022 |