Home > The Enloe State Bank > Performance and Condition Ratios
The Enloe State Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8730% | 272 |
| Cost of funding earning assets | 1.2196% | 851 |
| Net interest margin | 4.6534% | 547 |
| Noninterest income to average assets | 0.1311% | 4,944 |
| Noninterest expense to average assets | 2.5238% | 3,431 |
| Loan and lease loss provision to assets | 0.0656% | 2,352 |
| Net operating income to assets | 1.5842% | 926 |
| Return on assets (ROA) | 1.5842% | 953 |
| Pretax return on assets | 1.8355% | 898 |
| Return on Equity (ROE) | 17.6078% | 439 |
| Retained earnings to average equity (ytd only) | 17.6078% | 160 |
| Net charge-offs to loans | 0.0260% | 1,934 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 721 |
| Efficiency ratio | 57.0370% | 4,215 |
| Assets per employee ($millions) | 4.5923% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5114% | 5,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 83.6709% | 401 |
| Net loans and leases to deposits | 98.3522% | 757 |
| Net loans and leases to core deposits | 103.3313% | 1,363 |
| Total domestic deposits to total assets | 85.0727% | 2,657 |
| Equity capital to assets | 9.1649% | 4,564 |
| Core capital (leverage) ratio | 9.2272% | 4,437 |
| Tier 1 risk-based capital ratio | 11.0047% | 4,973 |
| Total risk-based capital ratio | 11.5211% | 5,170 |
| Memoranda: | ||
| Average total assets | $36,611,500 | 5,115 |
| Average earning assets | $33,781,500 | 5,105 |
| Average equity | $3,294,000 | 5,224 |
| Average total loans | $30,737,000 | 4,773 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7636% | 250 |
| Cost of funding earning assets | 1.0888% | 518 |
| Net interest margin | 4.6749% | 514 |
| Noninterest income to average assets | 0.1873% | 4,789 |
| Noninterest expense to average assets | 2.8579% | 2,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2147% | 2,109 |
| Return on assets (ROA) | 1.2147% | 2,105 |
| Pretax return on assets | 1.6432% | 1,331 |
| Return on Equity (ROE) | 13.0170% | 1,345 |
| Retained earnings to average equity (ytd only) | 3.8929% | 3,439 |
| Net charge-offs to loans | 0.0958% | 1,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 21.4444% | 1,944 |
| Efficiency ratio | 63.4931% | 3,265 |
| Assets per employee ($millions) | 4.5606% | 3,071 |
| Cash dividends to net income (ytd only)* | 70.0935% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5036% | 5,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 83.3850% | 475 |
| Net loans and leases to deposits | 99.0880% | 813 |
| Net loans and leases to core deposits | 105.1026% | 1,336 |
| Total domestic deposits to total assets | 84.1524% | 2,954 |
| Equity capital to assets | 8.8283% | 4,709 |
| Core capital (leverage) ratio | 9.0932% | 4,566 |
| Tier 1 risk-based capital ratio | 10.7632% | 5,085 |
| Total risk-based capital ratio | 11.2778% | 5,249 |
| Memoranda: | ||
| Average total assets | $35,235,800 | 5,171 |
| Average earning assets | $32,514,200 | 5,160 |
| Average equity | $3,288,000 | 5,260 |
| Average total loans | $28,178,000 | 4,861 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7613% | 234 |
| Cost of funding earning assets | 1.0422% | 495 |
| Net interest margin | 4.7191% | 449 |
| Noninterest income to average assets | 0.1985% | 4,785 |
| Noninterest expense to average assets | 2.4472% | 3,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6607% | 815 |
| Return on assets (ROA) | 1.6607% | 822 |
| Pretax return on assets | 2.1074% | 475 |
| Return on Equity (ROE) | 17.5502% | 478 |
| Retained earnings to average equity (ytd only) | 17.5502% | 94 |
| Net charge-offs to loans | 0.1305% | 1,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 20.4439% | 1,958 |
| Efficiency ratio | 53.7301% | 4,632 |
| Assets per employee ($millions) | 5.0240% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5260% | 5,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 3,591 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 82.8196% | 587 |
| Net loans and leases to deposits | 98.5585% | 904 |
| Net loans and leases to core deposits | 103.7214% | 1,472 |
| Total domestic deposits to total assets | 84.0309% | 2,932 |
| Equity capital to assets | 10.0318% | 3,607 |
| Core capital (leverage) ratio | 10.2098% | 3,396 |
| Tier 1 risk-based capital ratio | 12.3850% | 4,260 |
| Total risk-based capital ratio | 12.9256% | 4,577 |
| Memoranda: | ||
| Average total assets | $34,923,500 | 5,243 |
| Average earning assets | $32,237,250 | 5,228 |
| Average equity | $3,304,750 | 5,326 |
| Average total loans | $27,578,250 | 4,928 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6757% | 248 |
| Cost of funding earning assets | 1.0122% | 451 |
| Net interest margin | 4.6635% | 485 |
| Noninterest income to average assets | 0.1952% | 4,847 |
| Noninterest expense to average assets | 2.3535% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6819% | 750 |
| Return on assets (ROA) | 1.6819% | 758 |
| Pretax return on assets | 2.1526% | 428 |
| Return on Equity (ROE) | 18.1406% | 404 |
| Retained earnings to average equity (ytd only) | 18.1406% | 94 |
| Net charge-offs to loans | 0.1555% | 994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 17.8571% | 1,933 |
| Efficiency ratio | 52.2293% | 4,865 |
| Assets per employee ($millions) | 4.2811% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5501% | 5,195 |
| Loan loss allowance to noncurrent loans | 142.8571% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 3,452 |
| Noncurrent loans to loans | 0.3851% | 3,317 |
| Net loans and leases to total assets | 84.4492% | 411 |
| Net loans and leases to deposits | 100.5528% | 770 |
| Net loans and leases to core deposits | 107.0548% | 1,177 |
| Total domestic deposits to total assets | 83.9849% | 3,072 |
| Equity capital to assets | 9.8835% | 3,735 |
| Core capital (leverage) ratio | 9.8570% | 3,729 |
| Tier 1 risk-based capital ratio | 12.1601% | 4,395 |
| Total risk-based capital ratio | 12.7348% | 4,695 |
| Memoranda: | ||
| Average total assets | $34,842,000 | 5,310 |
| Average earning assets | $32,207,670 | 5,290 |
| Average equity | $3,230,330 | 5,395 |
| Average total loans | $27,011,000 | 4,994 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3829% | 345 |
| Cost of funding earning assets | 1.0542% | 292 |
| Net interest margin | 4.3286% | 903 |
| Noninterest income to average assets | 0.1821% | 4,937 |
| Noninterest expense to average assets | 2.2539% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3660% | 1,436 |
| Return on assets (ROA) | 1.3660% | 1,449 |
| Pretax return on assets | 1.9010% | 722 |
| Return on Equity (ROE) | 15.2236% | 767 |
| Retained earnings to average equity (ytd only) | 15.2236% | 312 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2466% | 4,775 |
| Assets per employee ($millions) | 5.0176% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7499% | 4,919 |
| Loan loss allowance to noncurrent loans | 150.8333% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3417% | 3,476 |
| Noncurrent loans to loans | 0.4971% | 3,029 |
| Net loans and leases to total assets | 68.2089% | 2,740 |
| Net loans and leases to deposits | 80.4358% | 2,759 |
| Net loans and leases to core deposits | 83.9418% | 2,987 |
| Total domestic deposits to total assets | 84.7991% | 3,005 |
| Equity capital to assets | 9.1479% | 4,418 |
| Core capital (leverage) ratio | 9.1276% | 4,535 |
| Tier 1 risk-based capital ratio | 13.3066% | 3,776 |
| Total risk-based capital ratio | 14.0562% | 3,947 |
| Memoranda: | ||
| Average total assets | $35,138,500 | 5,360 |
| Average earning assets | $32,250,500 | 5,347 |
| Average equity | $3,153,000 | 5,458 |
| Average total loans | $25,975,000 | 5,077 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8361% | 161 |
| Cost of funding earning assets | 0.7622% | 780 |
| Net interest margin | 5.0739% | 209 |
| Noninterest income to average assets | 0.2218% | 4,823 |
| Noninterest expense to average assets | 3.0532% | 1,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2447% | 1,376 |
| Return on assets (ROA) | 1.2447% | 1,395 |
| Pretax return on assets | 1.8855% | 618 |
| Return on Equity (ROE) | 12.6511% | 1,035 |
| Retained earnings to average equity (ytd only) | 2.3173% | 3,933 |
| Net charge-offs to loans | 0.0261% | 3,284 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 87.4286% | 715 |
| Efficiency ratio | 61.8216% | 3,968 |
| Assets per employee ($millions) | 5.0220% | 2,451 |
| Cash dividends to net income (ytd only)* | 81.6832% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6508% | 5,156 |
| Loan loss allowance to noncurrent loans | 150.8333% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 3,495 |
| Noncurrent loans to loans | 0.4315% | 3,243 |
| Net loans and leases to total assets | 78.5999% | 1,197 |
| Net loans and leases to deposits | 98.6434% | 852 |
| Net loans and leases to core deposits | 103.2240% | 1,470 |
| Total domestic deposits to total assets | 79.6808% | 4,401 |
| Equity capital to assets | 8.7984% | 4,902 |
| Core capital (leverage) ratio | 8.8691% | 4,792 |
| Tier 1 risk-based capital ratio | 11.4395% | 4,890 |
| Total risk-based capital ratio | 12.1089% | 5,119 |
| Memoranda: | ||
| Average total assets | $32,457,600 | 5,458 |
| Average earning assets | $30,174,200 | 5,438 |
| Average equity | $3,193,400 | 5,510 |
| Average total loans | $26,856,400 | 5,098 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8122% | 161 |
| Cost of funding earning assets | 0.7821% | 642 |
| Net interest margin | 5.0300% | 216 |
| Noninterest income to average assets | 0.2265% | 4,857 |
| Noninterest expense to average assets | 2.5757% | 3,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6780% | 606 |
| Return on assets (ROA) | 1.6780% | 623 |
| Pretax return on assets | 2.3450% | 279 |
| Return on Equity (ROE) | 16.5705% | 476 |
| Retained earnings to average equity (ytd only) | 16.5705% | 85 |
| Net charge-offs to loans | 0.0351% | 2,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 79.8832% | 814 |
| Efficiency ratio | 52.3444% | 5,072 |
| Assets per employee ($millions) | 4.6450% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6580% | 5,227 |
| Loan loss allowance to noncurrent loans | 150.8333% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 3,421 |
| Noncurrent loans to loans | 0.4362% | 3,400 |
| Net loans and leases to total assets | 84.0443% | 430 |
| Net loans and leases to deposits | 95.9381% | 1,117 |
| Net loans and leases to core deposits | 100.2936% | 1,680 |
| Total domestic deposits to total assets | 87.6026% | 1,577 |
| Equity capital to assets | 10.5151% | 3,360 |
| Core capital (leverage) ratio | 10.6292% | 2,850 |
| Tier 1 risk-based capital ratio | 13.0646% | 3,965 |
| Total risk-based capital ratio | 13.7562% | 4,225 |
| Memoranda: | ||
| Average total assets | $31,783,500 | 5,527 |
| Average earning assets | $29,661,250 | 5,505 |
| Average equity | $3,218,500 | 5,571 |
| Average total loans | $26,617,500 | 5,160 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8289% | 155 |
| Cost of funding earning assets | 0.7695% | 618 |
| Net interest margin | 5.0595% | 202 |
| Noninterest income to average assets | 0.2283% | 4,876 |
| Noninterest expense to average assets | 2.5619% | 3,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6868% | 577 |
| Return on assets (ROA) | 1.6868% | 590 |
| Pretax return on assets | 2.3780% | 264 |
| Return on Equity (ROE) | 16.8799% | 421 |
| Retained earnings to average equity (ytd only) | 16.8799% | 90 |
| Net charge-offs to loans | 0.0532% | 2,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 53.5714% | 1,023 |
| Efficiency ratio | 51.8614% | 5,191 |
| Assets per employee ($millions) | 4.5617% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 5,249 |
| Loan loss allowance to noncurrent loans | 150.8333% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.5762% | 2,837 |
| Noncurrent loans to loans | 0.4488% | 3,402 |
| Net loans and leases to total assets | 83.1580% | 529 |
| Net loans and leases to deposits | 97.4960% | 941 |
| Net loans and leases to core deposits | 102.1347% | 1,497 |
| Total domestic deposits to total assets | 85.2937% | 2,696 |
| Equity capital to assets | 10.2875% | 3,581 |
| Core capital (leverage) ratio | 10.3788% | 3,043 |
| Tier 1 risk-based capital ratio | 12.8889% | 4,068 |
| Total risk-based capital ratio | 13.5991% | 4,276 |
| Memoranda: | ||
| Average total assets | $31,539,670 | 5,578 |
| Average earning assets | $29,370,670 | 5,552 |
| Average equity | $3,151,670 | 5,625 |
| Average total loans | $26,320,670 | 5,212 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7034% | 179 |
| Cost of funding earning assets | 0.7403% | 695 |
| Net interest margin | 4.9631% | 237 |
| Noninterest income to average assets | 0.2297% | 4,899 |
| Noninterest expense to average assets | 2.5396% | 3,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6846% | 571 |
| Return on assets (ROA) | 1.6846% | 584 |
| Pretax return on assets | 2.3099% | 294 |
| Return on Equity (ROE) | 17.1151% | 403 |
| Retained earnings to average equity (ytd only) | 17.1151% | 163 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3684% | 5,250 |
| Assets per employee ($millions) | 4.4721% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7152% | 5,271 |
| Loan loss allowance to noncurrent loans | 149.2063% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.6069% | 2,822 |
| Noncurrent loans to loans | 0.4793% | 3,368 |
| Net loans and leases to total assets | 83.3669% | 427 |
| Net loans and leases to deposits | 95.1718% | 991 |
| Net loans and leases to core deposits | 99.6639% | 1,526 |
| Total domestic deposits to total assets | 87.5962% | 1,945 |
| Equity capital to assets | 10.0655% | 3,671 |
| Core capital (leverage) ratio | 10.0922% | 3,386 |
| Tier 1 risk-based capital ratio | 12.6714% | 4,282 |
| Total risk-based capital ratio | 13.4274% | 4,497 |
| Memoranda: | ||
| Average total assets | $31,343,500 | 5,643 |
| Average earning assets | $29,175,500 | 5,623 |
| Average equity | $3,085,000 | 5,692 |
| Average total loans | $26,113,500 | 5,269 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9224% | 134 |
| Cost of funding earning assets | 0.7268% | 713 |
| Net interest margin | 5.1956% | 173 |
| Noninterest income to average assets | 0.2026% | 5,202 |
| Noninterest expense to average assets | 3.0037% | 2,340 |
| Loan and lease loss provision to assets | 0.0804% | 2,753 |
| Net operating income to assets | 1.2671% | 1,309 |
| Return on assets (ROA) | 1.2671% | 1,384 |
| Pretax return on assets | 1.9006% | 619 |
| Return on Equity (ROE) | 12.6347% | 1,080 |
| Retained earnings to average equity (ytd only) | 2.3730% | 4,173 |
| Net charge-offs to loans | -0.0040% | 4,778 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2581% | 4,543 |
| Assets per employee ($millions) | 4.4836% | 3,139 |
| Cash dividends to net income (ytd only)* | 81.2183% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7247% | 5,309 |
| Loan loss allowance to noncurrent loans | 145.7364% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 3,629 |
| Noncurrent loans to loans | 0.4973% | 3,378 |
| Net loans and leases to total assets | 82.0551% | 603 |
| Net loans and leases to deposits | 90.9261% | 1,584 |
| Net loans and leases to core deposits | 95.9608% | 1,928 |
| Total domestic deposits to total assets | 90.2437% | 543 |
| Equity capital to assets | 9.6288% | 4,143 |
| Core capital (leverage) ratio | 9.5739% | 3,999 |
| Tier 1 risk-based capital ratio | 12.3347% | 4,484 |
| Total risk-based capital ratio | 13.1020% | 4,722 |
| Memoranda: | ||
| Average total assets | $31,095,200 | 5,696 |
| Average earning assets | $28,620,200 | 5,682 |
| Average equity | $3,118,400 | 5,747 |
| Average total loans | $25,028,200 | 5,353 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8777% | 140 |
| Cost of funding earning assets | 0.7248% | 719 |
| Net interest margin | 5.1530% | 190 |
| Noninterest income to average assets | 0.2063% | 5,234 |
| Noninterest expense to average assets | 2.5959% | 3,676 |
| Loan and lease loss provision to assets | 0.0430% | 3,371 |
| Net operating income to assets | 1.6718% | 630 |
| Return on assets (ROA) | 1.6718% | 669 |
| Pretax return on assets | 2.3036% | 315 |
| Return on Equity (ROE) | 16.5044% | 493 |
| Retained earnings to average equity (ytd only) | 16.5044% | 100 |
| Net charge-offs to loans | -0.0108% | 4,791 |
| Credit loss provision to net charge-offs | -500.0000% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5217% | 5,346 |
| Assets per employee ($millions) | 4.5324% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6760% | 5,474 |
| Loan loss allowance to noncurrent loans | 88.2653% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 0.6178% | 3,057 |
| Noncurrent loans to loans | 0.7658% | 2,757 |
| Net loans and leases to total assets | 80.1210% | 874 |
| Net loans and leases to deposits | 89.6839% | 1,800 |
| Net loans and leases to core deposits | 92.0514% | 2,374 |
| Total domestic deposits to total assets | 89.3372% | 745 |
| Equity capital to assets | 10.5179% | 3,544 |
| Core capital (leverage) ratio | 10.7868% | 2,698 |
| Tier 1 risk-based capital ratio | 13.9024% | 3,610 |
| Total risk-based capital ratio | 14.6232% | 3,851 |
| Memoranda: | ||
| Average total assets | $31,022,750 | 5,758 |
| Average earning assets | $28,513,750 | 5,744 |
| Average equity | $3,142,500 | 5,805 |
| Average total loans | $24,800,000 | 5,409 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8539% | 153 |
| Cost of funding earning assets | 0.7255% | 701 |
| Net interest margin | 5.1284% | 197 |
| Noninterest income to average assets | 0.2014% | 5,293 |
| Noninterest expense to average assets | 2.5400% | 3,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7020% | 577 |
| Return on assets (ROA) | 1.7020% | 609 |
| Pretax return on assets | 2.3451% | 283 |
| Return on Equity (ROE) | 17.0259% | 437 |
| Retained earnings to average equity (ytd only) | 17.0259% | 96 |
| Net charge-offs to loans | -0.0082% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9947% | 5,444 |
| Assets per employee ($millions) | 4.3747% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6559% | 5,599 |
| Loan loss allowance to noncurrent loans | 155.2381% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 4,116 |
| Noncurrent loans to loans | 0.4225% | 3,838 |
| Net loans and leases to total assets | 80.6159% | 809 |
| Net loans and leases to deposits | 90.2039% | 1,732 |
| Net loans and leases to core deposits | 94.4451% | 2,114 |
| Total domestic deposits to total assets | 89.3707% | 735 |
| Equity capital to assets | 10.4823% | 3,652 |
| Core capital (leverage) ratio | 10.4851% | 2,989 |
| Tier 1 risk-based capital ratio | 13.6456% | 3,804 |
| Total risk-based capital ratio | 14.3385% | 4,068 |
| Memoranda: | ||
| Average total assets | $30,788,000 | 5,834 |
| Average earning assets | $28,118,000 | 5,819 |
| Average equity | $3,077,670 | 5,884 |
| Average total loans | $24,535,670 | 5,479 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8093% | 159 |
| Cost of funding earning assets | 0.7244% | 716 |
| Net interest margin | 5.0850% | 211 |
| Noninterest income to average assets | 0.2073% | 5,252 |
| Noninterest expense to average assets | 2.5526% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6456% | 644 |
| Return on assets (ROA) | 1.6456% | 684 |
| Pretax return on assets | 2.2935% | 319 |
| Return on Equity (ROE) | 16.8687% | 454 |
| Retained earnings to average equity (ytd only) | 16.8687% | 160 |
| Net charge-offs to loans | 0.0492% | 2,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 791 |
| Efficiency ratio | 52.6738% | 5,472 |
| Assets per employee ($millions) | 4.4189% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6442% | 5,681 |
| Loan loss allowance to noncurrent loans | 123.2558% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 3,927 |
| Noncurrent loans to loans | 0.5227% | 3,617 |
| Net loans and leases to total assets | 79.2771% | 914 |
| Net loans and leases to deposits | 88.3039% | 1,798 |
| Net loans and leases to core deposits | 92.3929% | 2,149 |
| Total domestic deposits to total assets | 89.7776% | 690 |
| Equity capital to assets | 9.9412% | 4,161 |
| Core capital (leverage) ratio | 10.0189% | 3,519 |
| Tier 1 risk-based capital ratio | 13.1540% | 4,163 |
| Total risk-based capital ratio | 13.8341% | 4,438 |
| Memoranda: | ||
| Average total assets | $30,870,500 | 5,893 |
| Average earning assets | $28,161,500 | 5,878 |
| Average equity | $3,011,500 | 5,946 |
| Average total loans | $24,378,500 | 5,537 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0333% | 126 |
| Cost of funding earning assets | 0.7243% | 719 |
| Net interest margin | 5.3090% | 165 |
| Noninterest income to average assets | 0.2260% | 5,242 |
| Noninterest expense to average assets | 3.1296% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4860% | 888 |
| Return on assets (ROA) | 1.4860% | 919 |
| Pretax return on assets | 1.9654% | 576 |
| Return on Equity (ROE) | 13.9730% | 848 |
| Retained earnings to average equity (ytd only) | 2.7044% | 4,144 |
| Net charge-offs to loans | 0.0042% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 574.0000% | 111 |
| Efficiency ratio | 61.4247% | 4,699 |
| Assets per employee ($millions) | 4.4013% | 3,214 |
| Cash dividends to net income (ytd only)* | 80.6452% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6729% | 5,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 77.6202% | 1,179 |
| Net loans and leases to deposits | 86.1238% | 2,123 |
| Net loans and leases to core deposits | 90.1089% | 2,393 |
| Total domestic deposits to total assets | 90.1263% | 581 |
| Equity capital to assets | 9.7439% | 4,245 |
| Core capital (leverage) ratio | 9.5669% | 4,088 |
| Tier 1 risk-based capital ratio | 13.0795% | 4,257 |
| Total risk-based capital ratio | 13.7853% | 4,505 |
| Memoranda: | ||
| Average total assets | $29,205,400 | 5,969 |
| Average earning assets | $26,784,800 | 5,955 |
| Average equity | $3,106,000 | 5,988 |
| Average total loans | $23,584,400 | 5,602 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0700% | 127 |
| Cost of funding earning assets | 0.7097% | 800 |
| Net interest margin | 5.3603% | 155 |
| Noninterest income to average assets | 0.2407% | 5,204 |
| Noninterest expense to average assets | 2.6755% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.0089% | 357 |
| Return on assets (ROA) | 2.0089% | 374 |
| Pretax return on assets | 2.4949% | 238 |
| Return on Equity (ROE) | 18.4754% | 370 |
| Retained earnings to average equity (ytd only) | 18.4754% | 82 |
| Net charge-offs to loans | 0.0114% | 3,779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 269.1573% | 264 |
| Efficiency ratio | 51.7457% | 5,670 |
| Assets per employee ($millions) | 4.3209% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6616% | 5,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 79.9279% | 833 |
| Net loans and leases to deposits | 90.0272% | 1,646 |
| Net loans and leases to core deposits | 94.3194% | 2,047 |
| Total domestic deposits to total assets | 88.7820% | 1,135 |
| Equity capital to assets | 11.0825% | 2,921 |
| Core capital (leverage) ratio | 11.3855% | 2,124 |
| Tier 1 risk-based capital ratio | 14.6934% | 3,442 |
| Total risk-based capital ratio | 15.3991% | 3,697 |
| Memoranda: | ||
| Average total assets | $28,804,500 | 6,059 |
| Average earning assets | $26,490,250 | 6,041 |
| Average equity | $3,132,000 | 6,067 |
| Average total loans | $23,461,500 | 5,675 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1258% | 115 |
| Cost of funding earning assets | 0.7071% | 810 |
| Net interest margin | 5.4187% | 137 |
| Noninterest income to average assets | 0.2260% | 5,346 |
| Noninterest expense to average assets | 2.6832% | 3,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.0619% | 327 |
| Return on assets (ROA) | 2.0619% | 345 |
| Pretax return on assets | 2.5208% | 244 |
| Return on Equity (ROE) | 19.0933% | 327 |
| Retained earnings to average equity (ytd only) | 19.0933% | 82 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5604% | 5,749 |
| Assets per employee ($millions) | 4.0860% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6887% | 5,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 82.1761% | 536 |
| Net loans and leases to deposits | 92.7033% | 1,288 |
| Net loans and leases to core deposits | 97.3936% | 1,699 |
| Total domestic deposits to total assets | 88.6442% | 1,332 |
| Equity capital to assets | 11.2230% | 2,648 |
| Core capital (leverage) ratio | 11.3911% | 2,079 |
| Tier 1 risk-based capital ratio | 14.7552% | 3,501 |
| Total risk-based capital ratio | 15.5045% | 3,718 |
| Memoranda: | ||
| Average total assets | $28,324,000 | 6,136 |
| Average earning assets | $26,021,000 | 6,114 |
| Average equity | $3,058,670 | 6,142 |
| Average total loans | $23,170,000 | 5,737 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0314% | 125 |
| Cost of funding earning assets | 0.6959% | 868 |
| Net interest margin | 5.3355% | 149 |
| Noninterest income to average assets | 0.2271% | 5,329 |
| Noninterest expense to average assets | 2.8526% | 3,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8450% | 446 |
| Return on assets (ROA) | 1.8450% | 474 |
| Pretax return on assets | 2.2707% | 339 |
| Return on Equity (ROE) | 17.4321% | 437 |
| Retained earnings to average equity (ytd only) | 17.4321% | 164 |
| Net charge-offs to loans | 0.0349% | 2,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 595 |
| Efficiency ratio | 55.6787% | 5,541 |
| Assets per employee ($millions) | 3.9823% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6853% | 5,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 83.6992% | 330 |
| Net loans and leases to deposits | 94.2783% | 952 |
| Net loans and leases to core deposits | 99.1712% | 1,379 |
| Total domestic deposits to total assets | 88.7789% | 1,406 |
| Equity capital to assets | 10.9341% | 3,048 |
| Core capital (leverage) ratio | 10.7460% | 2,695 |
| Tier 1 risk-based capital ratio | 14.3699% | 3,790 |
| Total risk-based capital ratio | 15.1289% | 4,024 |
| Memoranda: | ||
| Average total assets | $28,185,000 | 6,204 |
| Average earning assets | $25,864,500 | 6,179 |
| Average equity | $2,983,000 | 6,212 |
| Average total loans | $22,921,500 | 5,790 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9510% | 166 |
| Cost of funding earning assets | 0.7138% | 1,036 |
| Net interest margin | 5.2372% | 196 |
| Noninterest income to average assets | -0.0723% | 6,441 |
| Noninterest expense to average assets | 3.2446% | 2,090 |
| Loan and lease loss provision to assets | -0.3360% | 6,390 |
| Net operating income to assets | 1.2212% | 1,520 |
| Return on assets (ROA) | 1.2212% | 1,571 |
| Pretax return on assets | 1.8174% | 763 |
| Return on Equity (ROE) | 11.3021% | 1,618 |
| Retained earnings to average equity (ytd only) | 1.9394% | 4,830 |
| Net charge-offs to loans | -0.0282% | 5,775 |
| Credit loss provision to net charge-offs | 1,550.0000% | 189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6544% | 3,780 |
| Assets per employee ($millions) | 4.0706% | 3,782 |
| Cash dividends to net income (ytd only)* | 82.8402% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7293% | 5,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 77.8655% | 1,018 |
| Net loans and leases to deposits | 87.0010% | 1,847 |
| Net loans and leases to core deposits | 91.3722% | 2,152 |
| Total domestic deposits to total assets | 89.4995% | 975 |
| Equity capital to assets | 10.2408% | 3,803 |
| Core capital (leverage) ratio | 10.1719% | 3,342 |
| Tier 1 risk-based capital ratio | 14.3978% | 3,834 |
| Total risk-based capital ratio | 15.2021% | 4,054 |
| Memoranda: | ||
| Average total assets | $27,676,600 | 6,299 |
| Average earning assets | $25,357,200 | 6,270 |
| Average equity | $2,990,600 | 6,276 |
| Average total loans | $21,270,000 | 5,912 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7510% | 210 |
| Cost of funding earning assets | 0.7136% | 1,087 |
| Net interest margin | 5.0374% | 278 |
| Noninterest income to average assets | -0.1990% | 6,555 |
| Noninterest expense to average assets | 2.8731% | 3,222 |
| Loan and lease loss provision to assets | -0.4514% | 6,522 |
| Net operating income to assets | 1.5336% | 876 |
| Return on assets (ROA) | 1.5336% | 909 |
| Pretax return on assets | 2.0044% | 560 |
| Return on Equity (ROE) | 14.0032% | 983 |
| Retained earnings to average equity (ytd only) | 14.0032% | 252 |
| Net charge-offs to loans | -0.0381% | 5,817 |
| Credit loss provision to net charge-offs | 1,550.0000% | 236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9123% | 4,390 |
| Assets per employee ($millions) | 4.0544% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 6,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 76.7380% | 1,138 |
| Net loans and leases to deposits | 86.5654% | 1,846 |
| Net loans and leases to core deposits | 90.9543% | 2,124 |
| Total domestic deposits to total assets | 88.6473% | 1,426 |
| Equity capital to assets | 11.1906% | 2,770 |
| Core capital (leverage) ratio | 11.2401% | 2,272 |
| Tier 1 risk-based capital ratio | 15.5854% | 3,271 |
| Total risk-based capital ratio | 16.3853% | 3,449 |
| Memoranda: | ||
| Average total assets | $27,472,250 | 6,377 |
| Average earning assets | $25,224,000 | 6,348 |
| Average equity | $3,008,750 | 6,344 |
| Average total loans | $21,000,000 | 5,980 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6779% | 229 |
| Cost of funding earning assets | 0.7218% | 1,073 |
| Net interest margin | 4.9561% | 307 |
| Noninterest income to average assets | 0.2576% | 5,356 |
| Noninterest expense to average assets | 2.8782% | 3,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4502% | 960 |
| Return on assets (ROA) | 1.4502% | 1,003 |
| Pretax return on assets | 1.9286% | 647 |
| Return on Equity (ROE) | 13.3424% | 1,082 |
| Retained earnings to average equity (ytd only) | 13.3424% | 306 |
| Net charge-offs to loans | -0.0097% | 5,314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8775% | 5,311 |
| Assets per employee ($millions) | 3.9293% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 4,674 |
| Loan loss allowance to noncurrent loans | 1,091.3043% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 5,489 |
| Noncurrent loans to loans | 0.1051% | 5,699 |
| Net loans and leases to total assets | 78.6548% | 833 |
| Net loans and leases to deposits | 88.6639% | 1,513 |
| Net loans and leases to core deposits | 95.5439% | 1,642 |
| Total domestic deposits to total assets | 88.7111% | 1,527 |
| Equity capital to assets | 11.1143% | 2,773 |
| Core capital (leverage) ratio | 11.1630% | 2,282 |
| Tier 1 risk-based capital ratio | 15.1735% | 3,540 |
| Total risk-based capital ratio | 16.3449% | 3,526 |
| Memoranda: | ||
| Average total assets | $27,169,330 | 6,444 |
| Average earning assets | $24,939,000 | 6,412 |
| Average equity | $2,953,000 | 6,406 |
| Average total loans | $20,686,000 | 6,048 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5749% | 261 |
| Cost of funding earning assets | 0.7272% | 1,093 |
| Net interest margin | 4.8477% | 353 |
| Noninterest income to average assets | 0.2963% | 4,991 |
| Noninterest expense to average assets | 3.0813% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2147% | 1,445 |
| Return on assets (ROA) | 1.2147% | 1,502 |
| Pretax return on assets | 1.6592% | 1,053 |
| Return on Equity (ROE) | 11.3064% | 1,601 |
| Retained earnings to average equity (ytd only) | 11.3064% | 704 |
| Net charge-offs to loans | -0.0199% | 5,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0000% | 4,692 |
| Assets per employee ($millions) | 3.9124% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 4,545 |
| Loan loss allowance to noncurrent loans | 865.5172% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 5,502 |
| Noncurrent loans to loans | 0.1410% | 5,676 |
| Net loans and leases to total assets | 74.1958% | 1,237 |
| Net loans and leases to deposits | 83.3812% | 1,897 |
| Net loans and leases to core deposits | 87.9121% | 2,105 |
| Total domestic deposits to total assets | 88.9838% | 1,673 |
| Equity capital to assets | 10.7423% | 2,991 |
| Core capital (leverage) ratio | 10.8027% | 2,596 |
| Tier 1 risk-based capital ratio | 15.6531% | 3,358 |
| Total risk-based capital ratio | 16.9034% | 3,320 |
| Memoranda: | ||
| Average total assets | $27,001,500 | 6,517 |
| Average earning assets | $24,754,000 | 6,485 |
| Average equity | $2,901,000 | 6,472 |
| Average total loans | $20,086,500 | 6,132 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9535% | 187 |
| Cost of funding earning assets | 0.7469% | 1,514 |
| Net interest margin | 5.2066% | 210 |
| Noninterest income to average assets | 0.1455% | 6,215 |
| Noninterest expense to average assets | 3.4145% | 1,853 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0149% | 2,266 |
| Return on assets (ROA) | 1.0149% | 2,326 |
| Pretax return on assets | 1.4476% | 1,628 |
| Return on Equity (ROE) | 8.6694% | 2,715 |
| Retained earnings to average equity (ytd only) | 0.2688% | 5,731 |
| Net charge-offs to loans | 0.1305% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 14.7200% | 1,925 |
| Efficiency ratio | 70.2265% | 3,803 |
| Assets per employee ($millions) | 3.8023% | 4,258 |
| Cash dividends to net income (ytd only)* | 96.8992% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 4,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 5,926 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 72.7081% | 1,559 |
| Net loans and leases to deposits | 81.6092% | 2,233 |
| Net loans and leases to core deposits | 86.1697% | 2,426 |
| Total domestic deposits to total assets | 89.0930% | 1,562 |
| Equity capital to assets | 10.7454% | 2,885 |
| Core capital (leverage) ratio | 10.8489% | 2,528 |
| Tier 1 risk-based capital ratio | 16.1582% | 3,025 |
| Total risk-based capital ratio | 17.4068% | 2,985 |
| Memoranda: | ||
| Average total assets | $25,421,200 | 6,617 |
| Average earning assets | $23,028,400 | 6,595 |
| Average equity | $2,976,000 | 6,534 |
| Average total loans | $19,150,800 | 6,243 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0333% | 171 |
| Cost of funding earning assets | 0.7527% | 1,584 |
| Net interest margin | 5.2806% | 193 |
| Noninterest income to average assets | 0.1274% | 6,384 |
| Noninterest expense to average assets | 3.0835% | 2,715 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4913% | 917 |
| Return on assets (ROA) | 1.4913% | 961 |
| Pretax return on assets | 1.8098% | 881 |
| Return on Equity (ROE) | 12.4679% | 1,361 |
| Retained earnings to average equity (ytd only) | 12.4679% | 375 |
| Net charge-offs to loans | 0.1120% | 3,423 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 21.3155% | 1,553 |
| Efficiency ratio | 63.0152% | 4,988 |
| Assets per employee ($millions) | 3.6649% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 4,166 |
| Loan loss allowance to noncurrent loans | 2,877.7778% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 5,927 |
| Noncurrent loans to loans | 0.0467% | 6,206 |
| Net loans and leases to total assets | 74.0586% | 1,283 |
| Net loans and leases to deposits | 84.5001% | 1,818 |
| Net loans and leases to core deposits | 89.4744% | 2,024 |
| Total domestic deposits to total assets | 87.6433% | 2,334 |
| Equity capital to assets | 12.2125% | 1,771 |
| Core capital (leverage) ratio | 12.3196% | 1,507 |
| Tier 1 risk-based capital ratio | 18.0827% | 2,294 |
| Total risk-based capital ratio | 19.3351% | 2,258 |
| Memoranda: | ||
| Average total assets | $25,122,500 | 6,696 |
| Average earning assets | $22,673,500 | 6,682 |
| Average equity | $3,005,000 | 6,602 |
| Average total loans | $19,038,000 | 6,314 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0765% | 159 |
| Cost of funding earning assets | 0.7462% | 1,733 |
| Net interest margin | 5.3303% | 176 |
| Noninterest income to average assets | 0.1363% | 6,372 |
| Noninterest expense to average assets | 3.1188% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3469% | 1,206 |
| Return on assets (ROA) | 1.3469% | 1,296 |
| Pretax return on assets | 1.8280% | 874 |
| Return on Equity (ROE) | 11.3424% | 1,705 |
| Retained earnings to average equity (ytd only) | 11.3424% | 591 |
| Net charge-offs to loans | 0.1266% | 3,109 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,524 |
| Efficiency ratio | 63.0470% | 5,010 |
| Assets per employee ($millions) | 3.5941% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 4,210 |
| Loan loss allowance to noncurrent loans | 1,753.3333% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 5,205 |
| Noncurrent loans to loans | 0.0776% | 6,164 |
| Net loans and leases to total assets | 75.8257% | 1,001 |
| Net loans and leases to deposits | 86.4386% | 1,529 |
| Net loans and leases to core deposits | 91.6194% | 1,749 |
| Total domestic deposits to total assets | 87.7221% | 2,431 |
| Equity capital to assets | 12.1229% | 1,835 |
| Core capital (leverage) ratio | 12.2249% | 1,494 |
| Tier 1 risk-based capital ratio | 17.6678% | 2,452 |
| Total risk-based capital ratio | 18.9191% | 2,414 |
| Memoranda: | ||
| Average total assets | $24,945,330 | 6,751 |
| Average earning assets | $22,513,000 | 6,735 |
| Average equity | $2,962,330 | 6,664 |
| Average total loans | $18,964,670 | 6,356 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9912% | 169 |
| Cost of funding earning assets | 0.7667% | 1,733 |
| Net interest margin | 5.2244% | 193 |
| Noninterest income to average assets | 0.1127% | 6,528 |
| Noninterest expense to average assets | 3.1725% | 2,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1756% | 1,594 |
| Return on assets (ROA) | 1.1756% | 1,706 |
| Pretax return on assets | 1.6587% | 1,173 |
| Return on Equity (ROE) | 10.0051% | 2,060 |
| Retained earnings to average equity (ytd only) | 10.0051% | 1,106 |
| Net charge-offs to loans | 0.1704% | 2,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 12.8750% | 1,565 |
| Efficiency ratio | 65.6667% | 4,715 |
| Assets per employee ($millions) | 3.5170% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 4,228 |
| Loan loss allowance to noncurrent loans | 445.0000% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.8327% | 4,296 |
| Noncurrent loans to loans | 0.3147% | 5,614 |
| Net loans and leases to total assets | 76.3557% | 797 |
| Net loans and leases to deposits | 87.0439% | 1,244 |
| Net loans and leases to core deposits | 92.3825% | 1,467 |
| Total domestic deposits to total assets | 87.7209% | 2,507 |
| Equity capital to assets | 12.0029% | 2,041 |
| Core capital (leverage) ratio | 11.7565% | 1,704 |
| Tier 1 risk-based capital ratio | 17.3824% | 2,610 |
| Total risk-based capital ratio | 18.6353% | 2,573 |
| Memoranda: | ||
| Average total assets | $24,838,500 | 6,821 |
| Average earning assets | $22,433,000 | 6,804 |
| Average equity | $2,918,500 | 6,742 |
| Average total loans | $18,777,000 | 6,418 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9562% | 281 |
| Cost of funding earning assets | 0.8185% | 2,520 |
| Net interest margin | 5.1377% | 304 |
| Noninterest income to average assets | 0.2679% | 5,539 |
| Noninterest expense to average assets | 3.4587% | 1,928 |
| Loan and lease loss provision to assets | 0.1679% | 3,519 |
| Net operating income to assets | 0.7477% | 3,521 |
| Return on assets (ROA) | 0.7477% | 3,763 |
| Pretax return on assets | 1.2595% | 2,572 |
| Return on Equity (ROE) | 6.3675% | 3,976 |
| Retained earnings to average equity (ytd only) | 1.2599% | 5,236 |
| Net charge-offs to loans | 0.3194% | 3,044 |
| Credit loss provision to net charge-offs | 72.4138% | 4,089 |
| Earnings coverage of net charge-offs (x) | 6.1552% | 2,861 |
| Efficiency ratio | 70.7856% | 3,659 |
| Assets per employee ($millions) | 3.5797% | 4,826 |
| Cash dividends to net income (ytd only)* | 80.2139% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 3,800 |
| Loan loss allowance to noncurrent loans | 474.1379% | 859 |
| Noncurrent assets plus other real estate owned to assets | 1.0775% | 3,869 |
| Noncurrent loans to loans | 0.3137% | 5,700 |
| Net loans and leases to total assets | 72.6874% | 1,391 |
| Net loans and leases to deposits | 82.2823% | 1,961 |
| Net loans and leases to core deposits | 87.1942% | 2,170 |
| Total domestic deposits to total assets | 88.3391% | 2,005 |
| Equity capital to assets | 11.5013% | 2,444 |
| Core capital (leverage) ratio | 11.2644% | 2,042 |
| Tier 1 risk-based capital ratio | 17.4055% | 2,483 |
| Total risk-based capital ratio | 18.6556% | 2,458 |
| Memoranda: | ||
| Average total assets | $25,009,600 | 6,875 |
| Average earning assets | $22,480,800 | 6,856 |
| Average equity | $2,936,800 | 6,799 |
| Average total loans | $18,158,400 | 6,504 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9447% | 305 |
| Cost of funding earning assets | 0.8144% | 2,825 |
| Net interest margin | 5.1303% | 321 |
| Noninterest income to average assets | 0.2933% | 5,426 |
| Noninterest expense to average assets | 3.0455% | 3,074 |
| Loan and lease loss provision to assets | 0.2027% | 3,053 |
| Net operating income to assets | 1.1681% | 1,836 |
| Return on assets (ROA) | 1.1681% | 2,032 |
| Pretax return on assets | 1.6481% | 1,420 |
| Return on Equity (ROE) | 9.8963% | 2,398 |
| Retained earnings to average equity (ytd only) | 9.8963% | 945 |
| Net charge-offs to loans | 0.4278% | 2,385 |
| Credit loss provision to net charge-offs | 65.5172% | 4,013 |
| Earnings coverage of net charge-offs (x) | 5.9829% | 2,878 |
| Efficiency ratio | 62.2004% | 5,120 |
| Assets per employee ($millions) | 3.6519% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 3,963 |
| Loan loss allowance to noncurrent loans | 1,290.4762% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.9115% | 4,454 |
| Noncurrent loans to loans | 0.1160% | 6,322 |
| Net loans and leases to total assets | 69.7375% | 1,965 |
| Net loans and leases to deposits | 79.3793% | 2,485 |
| Net loans and leases to core deposits | 84.0262% | 2,693 |
| Total domestic deposits to total assets | 87.8535% | 2,126 |
| Equity capital to assets | 11.9861% | 2,268 |
| Core capital (leverage) ratio | 12.2320% | 1,521 |
| Tier 1 risk-based capital ratio | 18.0970% | 2,299 |
| Total risk-based capital ratio | 19.3491% | 2,273 |
| Memoranda: | ||
| Average total assets | $24,997,500 | 6,958 |
| Average earning assets | $22,428,250 | 6,943 |
| Average equity | $2,950,500 | 6,885 |
| Average total loans | $18,075,750 | 6,594 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9521% | 316 |
| Cost of funding earning assets | 0.8259% | 2,985 |
| Net interest margin | 5.1262% | 326 |
| Noninterest income to average assets | 0.3547% | 4,995 |
| Noninterest expense to average assets | 3.0473% | 3,104 |
| Loan and lease loss provision to assets | 0.2580% | 2,513 |
| Net operating income to assets | 1.1689% | 1,818 |
| Return on assets (ROA) | 1.1689% | 2,021 |
| Pretax return on assets | 1.6526% | 1,391 |
| Return on Equity (ROE) | 9.9565% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.9565% | 989 |
| Net charge-offs to loans | 0.1771% | 3,535 |
| Credit loss provision to net charge-offs | 200.0000% | 1,419 |
| Earnings coverage of net charge-offs (x) | 14.8125% | 1,686 |
| Efficiency ratio | 61.4634% | 5,339 |
| Assets per employee ($millions) | 3.5279% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 3,357 |
| Loan loss allowance to noncurrent loans | 902.9412% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.9962% | 4,381 |
| Noncurrent loans to loans | 0.1850% | 6,214 |
| Net loans and leases to total assets | 73.1970% | 1,365 |
| Net loans and leases to deposits | 83.4495% | 1,920 |
| Net loans and leases to core deposits | 88.5211% | 2,142 |
| Total domestic deposits to total assets | 87.7141% | 2,331 |
| Equity capital to assets | 12.1077% | 2,065 |
| Core capital (leverage) ratio | 12.0886% | 1,562 |
| Tier 1 risk-based capital ratio | 17.4242% | 2,499 |
| Total risk-based capital ratio | 18.6772% | 2,465 |
| Memoranda: | ||
| Average total assets | $24,809,000 | 7,017 |
| Average earning assets | $22,277,670 | 7,003 |
| Average equity | $2,912,670 | 6,930 |
| Average total loans | $18,068,330 | 6,646 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8995% | 359 |
| Cost of funding earning assets | 0.8249% | 3,280 |
| Net interest margin | 5.0746% | 358 |
| Noninterest income to average assets | 0.3700% | 4,907 |
| Noninterest expense to average assets | 3.1851% | 2,652 |
| Loan and lease loss provision to assets | 0.3217% | 1,953 |
| Net operating income to assets | 0.9330% | 2,778 |
| Return on assets (ROA) | 0.9330% | 2,981 |
| Pretax return on assets | 1.4156% | 2,137 |
| Return on Equity (ROE) | 8.0724% | 3,251 |
| Retained earnings to average equity (ytd only) | 8.0724% | 1,959 |
| Net charge-offs to loans | 0.3573% | 2,230 |
| Credit loss provision to net charge-offs | 125.0000% | 1,908 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 2,160 |
| Efficiency ratio | 64.7059% | 4,795 |
| Assets per employee ($millions) | 3.5817% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 3,507 |
| Loan loss allowance to noncurrent loans | 47.2756% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 3.3344% | 1,730 |
| Noncurrent loans to loans | 3.5070% | 1,779 |
| Net loans and leases to total assets | 69.7910% | 1,789 |
| Net loans and leases to deposits | 79.2841% | 2,301 |
| Net loans and leases to core deposits | 84.0038% | 2,544 |
| Total domestic deposits to total assets | 88.0265% | 2,302 |
| Equity capital to assets | 11.5787% | 2,365 |
| Core capital (leverage) ratio | 11.7331% | 1,746 |
| Tier 1 risk-based capital ratio | 17.5006% | 2,474 |
| Total risk-based capital ratio | 18.7545% | 2,441 |
| Memoranda: | ||
| Average total assets | $24,866,000 | 7,076 |
| Average earning assets | $22,307,000 | 7,065 |
| Average equity | $2,874,000 | 6,986 |
| Average total loans | $17,911,000 | 6,712 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1161% | 358 |
| Cost of funding earning assets | 1.0868% | 2,754 |
| Net interest margin | 5.0293% | 393 |
| Noninterest income to average assets | 0.5149% | 3,749 |
| Noninterest expense to average assets | 3.3936% | 2,259 |
| Loan and lease loss provision to assets | 0.5879% | 1,759 |
| Net operating income to assets | 0.8150% | 2,977 |
| Return on assets (ROA) | 0.8150% | 3,143 |
| Pretax return on assets | 1.0177% | 3,174 |
| Return on Equity (ROE) | 7.1683% | 3,325 |
| Retained earnings to average equity (ytd only) | 2.7104% | 4,308 |
| Net charge-offs to loans | 0.0055% | 6,354 |
| Credit loss provision to net charge-offs | 14,500.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 396.0000% | 85 |
| Efficiency ratio | 67.8832% | 4,389 |
| Assets per employee ($millions) | 3.5229% | 4,963 |
| Cash dividends to net income (ytd only)* | 62.1891% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 3,531 |
| Loan loss allowance to noncurrent loans | 25.3705% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 5.2758% | 984 |
| Noncurrent loans to loans | 6.3620% | 754 |
| Net loans and leases to total assets | 71.9303% | 1,656 |
| Net loans and leases to deposits | 81.5765% | 2,263 |
| Net loans and leases to core deposits | 86.5057% | 2,566 |
| Total domestic deposits to total assets | 88.1752% | 2,040 |
| Equity capital to assets | 11.5369% | 2,469 |
| Core capital (leverage) ratio | 11.4156% | 1,957 |
| Tier 1 risk-based capital ratio | 17.0574% | 2,575 |
| Total risk-based capital ratio | 18.3105% | 2,525 |
| Memoranda: | ||
| Average total assets | $24,664,000 | 7,115 |
| Average earning assets | $21,991,200 | 7,110 |
| Average equity | $2,804,000 | 7,053 |
| Average total loans | $18,271,000 | 6,741 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1611% | 353 |
| Cost of funding earning assets | 1.1423% | 2,680 |
| Net interest margin | 5.0188% | 398 |
| Noninterest income to average assets | 0.4703% | 4,126 |
| Noninterest expense to average assets | 3.0542% | 3,334 |
| Loan and lease loss provision to assets | 0.7838% | 1,193 |
| Net operating income to assets | 0.6649% | 3,796 |
| Return on assets (ROA) | 0.6649% | 3,971 |
| Pretax return on assets | 1.0973% | 3,027 |
| Return on Equity (ROE) | 5.8702% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.8702% | 2,635 |
| Net charge-offs to loans | 0.0073% | 6,062 |
| Credit loss provision to net charge-offs | 14,500.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 348.8647% | 110 |
| Efficiency ratio | 61.8839% | 5,428 |
| Assets per employee ($millions) | 3.5673% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 3,583 |
| Loan loss allowance to noncurrent loans | 26.9444% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 4.6734% | 1,269 |
| Noncurrent loans to loans | 6.0023% | 929 |
| Net loans and leases to total assets | 70.8902% | 1,919 |
| Net loans and leases to deposits | 80.3541% | 2,607 |
| Net loans and leases to core deposits | 85.1017% | 2,900 |
| Total domestic deposits to total assets | 88.2223% | 1,910 |
| Equity capital to assets | 11.5814% | 2,611 |
| Core capital (leverage) ratio | 11.5265% | 2,010 |
| Tier 1 risk-based capital ratio | 17.6428% | 2,381 |
| Total risk-based capital ratio | 18.8934% | 2,353 |
| Memoranda: | ||
| Average total assets | $24,665,000 | 7,182 |
| Average earning assets | $21,943,500 | 7,182 |
| Average equity | $2,793,750 | 7,125 |
| Average total loans | $18,331,500 | 6,804 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2344% | 312 |
| Cost of funding earning assets | 1.1822% | 2,696 |
| Net interest margin | 5.0522% | 365 |
| Noninterest income to average assets | 0.4967% | 3,885 |
| Noninterest expense to average assets | 3.0208% | 3,560 |
| Loan and lease loss provision to assets | 1.1806% | 669 |
| Net operating income to assets | 0.2850% | 5,431 |
| Return on assets (ROA) | 0.2850% | 5,565 |
| Pretax return on assets | 0.7491% | 4,214 |
| Return on Equity (ROE) | 2.5353% | 5,590 |
| Retained earnings to average equity (ytd only) | 2.5353% | 4,676 |
| Net charge-offs to loans | 0.0108% | 5,702 |
| Credit loss provision to net charge-offs | 14,500.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 147 |
| Efficiency ratio | 61.0197% | 5,726 |
| Assets per employee ($millions) | 3.5183% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 3,831 |
| Loan loss allowance to noncurrent loans | 70.6311% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 2.0383% | 3,185 |
| Noncurrent loans to loans | 2.2201% | 3,204 |
| Net loans and leases to total assets | 74.1717% | 1,381 |
| Net loans and leases to deposits | 83.8744% | 2,129 |
| Net loans and leases to core deposits | 88.8862% | 2,517 |
| Total domestic deposits to total assets | 88.4319% | 1,902 |
| Equity capital to assets | 11.3854% | 2,613 |
| Core capital (leverage) ratio | 11.2142% | 2,102 |
| Tier 1 risk-based capital ratio | 14.4902% | 3,791 |
| Total risk-based capital ratio | 15.7408% | 3,765 |
| Memoranda: | ||
| Average total assets | $24,563,000 | 7,256 |
| Average earning assets | $21,654,000 | 7,255 |
| Average equity | $2,761,000 | 7,188 |
| Average total loans | $18,444,330 | 6,861 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1653% | 350 |
| Cost of funding earning assets | 1.2183% | 2,695 |
| Net interest margin | 4.9470% | 418 |
| Noninterest income to average assets | 0.5055% | 3,838 |
| Noninterest expense to average assets | 2.9677% | 3,777 |
| Loan and lease loss provision to assets | 2.3644% | 221 |
| Net operating income to assets | -0.9621% | 7,032 |
| Return on assets (ROA) | -0.9621% | 7,033 |
| Pretax return on assets | -0.4566% | 6,734 |
| Return on Equity (ROE) | -8.6147% | 6,981 |
| Retained earnings to average equity (ytd only) | -8.6147% | 6,793 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8696% | 5,850 |
| Assets per employee ($millions) | 3.1019% | 5,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 3,812 |
| Loan loss allowance to noncurrent loans | 114.9606% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 1.3742% | 4,229 |
| Noncurrent loans to loans | 1.3750% | 4,409 |
| Net loans and leases to total assets | 73.2662% | 1,467 |
| Net loans and leases to deposits | 82.5096% | 2,271 |
| Net loans and leases to core deposits | 87.3708% | 2,686 |
| Total domestic deposits to total assets | 88.7971% | 1,900 |
| Equity capital to assets | 10.9208% | 2,760 |
| Core capital (leverage) ratio | 11.0046% | 2,187 |
| Tier 1 risk-based capital ratio | 13.9662% | 4,096 |
| Total risk-based capital ratio | 15.2649% | 4,043 |
| Memoranda: | ||
| Average total assets | $24,530,500 | 7,301 |
| Average earning assets | $21,669,500 | 7,305 |
| Average equity | $2,739,500 | 7,236 |
| Average total loans | $18,387,500 | 6,916 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7427% | 220 |
| Cost of funding earning assets | 1.3991% | 3,274 |
| Net interest margin | 5.3436% | 223 |
| Noninterest income to average assets | 0.4185% | 4,756 |
| Noninterest expense to average assets | 3.5337% | 2,087 |
| Loan and lease loss provision to assets | 0.4228% | 3,579 |
| Net operating income to assets | 0.6645% | 3,373 |
| Return on assets (ROA) | 0.6645% | 3,512 |
| Pretax return on assets | 1.2081% | 2,202 |
| Return on Equity (ROE) | 5.3114% | 3,945 |
| Retained earnings to average equity (ytd only) | -0.7243% | 5,751 |
| Net charge-offs to loans | 0.3844% | 4,114 |
| Credit loss provision to net charge-offs | 140.0000% | 2,700 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 2,633 |
| Efficiency ratio | 68.4211% | 4,471 |
| Assets per employee ($millions) | 3.0308% | 6,034 |
| Cash dividends to net income (ytd only)* | 113.6364% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 6,961 |
| Loan loss allowance to noncurrent loans | 50.6897% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 1.5549% | 3,976 |
| Noncurrent loans to loans | 1.5845% | 4,122 |
| Net loans and leases to total assets | 74.8783% | 1,500 |
| Net loans and leases to deposits | 84.6782% | 2,342 |
| Net loans and leases to core deposits | 87.9603% | 3,058 |
| Total domestic deposits to total assets | 88.4270% | 1,998 |
| Equity capital to assets | 11.4204% | 2,331 |
| Core capital (leverage) ratio | 11.1965% | 2,017 |
| Tier 1 risk-based capital ratio | 14.3027% | 3,676 |
| Total risk-based capital ratio | 15.0620% | 3,968 |
| Memoranda: | ||
| Average total assets | $23,176,600 | 7,390 |
| Average earning assets | $20,585,200 | 7,389 |
| Average equity | $2,899,400 | 7,302 |
| Average total loans | $18,210,400 | 7,016 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9368% | 160 |
| Cost of funding earning assets | 1.4150% | 3,492 |
| Net interest margin | 5.5218% | 168 |
| Noninterest income to average assets | 0.4190% | 4,805 |
| Noninterest expense to average assets | 3.0554% | 3,555 |
| Loan and lease loss provision to assets | 0.0466% | 6,621 |
| Net operating income to assets | 1.6412% | 685 |
| Return on assets (ROA) | 1.6412% | 751 |
| Pretax return on assets | 2.1999% | 410 |
| Return on Equity (ROE) | 12.8237% | 1,306 |
| Retained earnings to average equity (ytd only) | 12.8237% | 369 |
| Net charge-offs to loans | 0.0513% | 6,011 |
| Credit loss provision to net charge-offs | 114.2857% | 3,659 |
| Earnings coverage of net charge-offs (x) | 55.1608% | 529 |
| Efficiency ratio | 57.6290% | 6,324 |
| Assets per employee ($millions) | 3.0473% | 6,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6498% | 7,281 |
| Loan loss allowance to noncurrent loans | 313.1579% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 6,142 |
| Noncurrent loans to loans | 0.2075% | 6,766 |
| Net loans and leases to total assets | 74.6370% | 1,652 |
| Net loans and leases to deposits | 85.6114% | 2,426 |
| Net loans and leases to core deposits | 87.6741% | 3,418 |
| Total domestic deposits to total assets | 87.1811% | 2,428 |
| Equity capital to assets | 12.6015% | 1,812 |
| Core capital (leverage) ratio | 13.2032% | 1,153 |
| Tier 1 risk-based capital ratio | 15.8932% | 2,815 |
| Total risk-based capital ratio | 16.5089% | 3,090 |
| Memoranda: | ||
| Average total assets | $22,909,250 | 7,495 |
| Average earning assets | $20,258,500 | 7,488 |
| Average equity | $2,932,000 | 7,392 |
| Average total loans | $18,187,500 | 7,111 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0581% | 144 |
| Cost of funding earning assets | 1.4662% | 3,452 |
| Net interest margin | 5.5919% | 146 |
| Noninterest income to average assets | 0.4639% | 4,405 |
| Noninterest expense to average assets | 3.1044% | 3,293 |
| Loan and lease loss provision to assets | 0.0446% | 6,530 |
| Net operating income to assets | 1.6682% | 621 |
| Return on assets (ROA) | 1.6682% | 668 |
| Pretax return on assets | 2.2480% | 376 |
| Return on Equity (ROE) | 12.9621% | 1,251 |
| Retained earnings to average equity (ytd only) | 12.9621% | 384 |
| Net charge-offs to loans | 0.0331% | 5,888 |
| Credit loss provision to net charge-offs | 166.6667% | 2,354 |
| Earnings coverage of net charge-offs (x) | 85.6667% | 374 |
| Efficiency ratio | 57.5207% | 6,449 |
| Assets per employee ($millions) | 2.8314% | 6,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6600% | 7,320 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.7814% | 5,557 |
| Noncurrent loans to loans | 0.4950% | 6,256 |
| Net loans and leases to total assets | 79.7360% | 841 |
| Net loans and leases to deposits | 92.0165% | 1,529 |
| Net loans and leases to core deposits | 94.4218% | 2,651 |
| Total domestic deposits to total assets | 86.6540% | 2,728 |
| Equity capital to assets | 13.1429% | 1,504 |
| Core capital (leverage) ratio | 13.0582% | 1,187 |
| Tier 1 risk-based capital ratio | 16.7219% | 2,395 |
| Total risk-based capital ratio | 17.3959% | 2,567 |
| Memoranda: | ||
| Average total assets | $22,419,670 | 7,570 |
| Average earning assets | $19,778,670 | 7,559 |
| Average equity | $2,885,330 | 7,451 |
| Average total loans | $18,145,330 | 7,167 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0755% | 159 |
| Cost of funding earning assets | 1.5337% | 3,357 |
| Net interest margin | 5.5418% | 169 |
| Noninterest income to average assets | 0.5380% | 3,748 |
| Noninterest expense to average assets | 3.0846% | 3,326 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7755% | 521 |
| Return on assets (ROA) | 1.7755% | 571 |
| Pretax return on assets | 2.3135% | 340 |
| Return on Equity (ROE) | 13.9461% | 1,059 |
| Retained earnings to average equity (ytd only) | 13.9461% | 515 |
| Net charge-offs to loans | 0.0662% | 4,746 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 643 |
| Efficiency ratio | 57.1429% | 6,611 |
| Assets per employee ($millions) | 2.8104% | 6,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6285% | 7,461 |
| Loan loss allowance to noncurrent loans | 161.9718% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 6,685 |
| Noncurrent loans to loans | 0.3880% | 6,504 |
| Net loans and leases to total assets | 80.8744% | 730 |
| Net loans and leases to deposits | 93.1363% | 1,458 |
| Net loans and leases to core deposits | 95.5843% | 2,630 |
| Total domestic deposits to total assets | 86.8345% | 2,717 |
| Equity capital to assets | 12.8497% | 1,581 |
| Core capital (leverage) ratio | 12.9435% | 1,228 |
| Tier 1 risk-based capital ratio | 17.1220% | 2,231 |
| Total risk-based capital ratio | 17.8036% | 2,379 |
| Memoranda: | ||
| Average total assets | $22,304,000 | 7,671 |
| Average earning assets | $19,560,500 | 7,667 |
| Average equity | $2,839,500 | 7,541 |
| Average total loans | $18,127,500 | 7,260 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3882% | 154 |
| Cost of funding earning assets | 1.7695% | 4,150 |
| Net interest margin | 5.6187% | 166 |
| Noninterest income to average assets | 0.5034% | 4,381 |
| Noninterest expense to average assets | 3.7587% | 1,779 |
| Loan and lease loss provision to assets | 0.0240% | 7,267 |
| Net operating income to assets | 1.1890% | 1,270 |
| Return on assets (ROA) | 1.1890% | 1,321 |
| Pretax return on assets | 1.7595% | 691 |
| Return on Equity (ROE) | 8.7287% | 2,109 |
| Retained earnings to average equity (ytd only) | 2.5693% | 3,347 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8201% | 5,038 |
| Assets per employee ($millions) | 2.7656% | 6,720 |
| Cash dividends to net income (ytd only)* | 70.5645% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6571% | 7,458 |
| Loan loss allowance to noncurrent loans | 112.3810% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4746% | 6,265 |
| Noncurrent loans to loans | 0.5847% | 6,072 |
| Net loans and leases to total assets | 80.6282% | 889 |
| Net loans and leases to deposits | 92.5788% | 1,808 |
| Net loans and leases to core deposits | 116.3818% | 2,276 |
| Total domestic deposits to total assets | 87.0915% | 2,451 |
| Equity capital to assets | 12.6102% | 1,690 |
| Core capital (leverage) ratio | 12.7386% | 1,331 |
| Tier 1 risk-based capital ratio | 15.9748% | 2,538 |
| Total risk-based capital ratio | 16.6504% | 2,714 |
| Memoranda: | ||
| Average total assets | $20,858,400 | 7,751 |
| Average earning assets | $18,705,400 | 7,739 |
| Average equity | $2,841,200 | 7,632 |
| Average total loans | $17,260,000 | 7,339 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4338% | 162 |
| Cost of funding earning assets | 1.8186% | 4,298 |
| Net interest margin | 5.6152% | 161 |
| Noninterest income to average assets | 0.4998% | 4,483 |
| Noninterest expense to average assets | 3.2518% | 3,118 |
| Loan and lease loss provision to assets | 0.0130% | 7,205 |
| Net operating income to assets | 1.6876% | 575 |
| Return on assets (ROA) | 1.6876% | 610 |
| Pretax return on assets | 2.2652% | 305 |
| Return on Equity (ROE) | 12.1465% | 1,319 |
| Retained earnings to average equity (ytd only) | 12.1465% | 331 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8028% | 6,591 |
| Assets per employee ($millions) | 2.6313% | 6,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6489% | 7,488 |
| Loan loss allowance to noncurrent loans | 338.2353% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 7,135 |
| Noncurrent loans to loans | 0.1919% | 7,020 |
| Net loans and leases to total assets | 83.6390% | 583 |
| Net loans and leases to deposits | 97.8437% | 1,347 |
| Net loans and leases to core deposits | 119.8992% | 2,255 |
| Total domestic deposits to total assets | 85.4822% | 2,981 |
| Equity capital to assets | 14.1425% | 1,260 |
| Core capital (leverage) ratio | 14.3001% | 1,007 |
| Tier 1 risk-based capital ratio | 18.3076% | 1,906 |
| Total risk-based capital ratio | 19.0148% | 2,000 |
| Memoranda: | ||
| Average total assets | $20,541,750 | 7,829 |
| Average earning assets | $18,402,000 | 7,824 |
| Average equity | $2,854,000 | 7,704 |
| Average total loans | $17,085,750 | 7,415 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4048% | 178 |
| Cost of funding earning assets | 1.8567% | 4,479 |
| Net interest margin | 5.5482% | 175 |
| Noninterest income to average assets | 0.5203% | 4,273 |
| Noninterest expense to average assets | 3.1121% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8064% | 456 |
| Return on assets (ROA) | 1.8064% | 496 |
| Pretax return on assets | 2.3954% | 257 |
| Return on Equity (ROE) | 13.0821% | 1,166 |
| Retained earnings to average equity (ytd only) | 13.0821% | 322 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5062% | 7,055 |
| Assets per employee ($millions) | 2.5990% | 7,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6628% | 7,511 |
| Loan loss allowance to noncurrent loans | 191.5254% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 6,765 |
| Noncurrent loans to loans | 0.3461% | 6,650 |
| Net loans and leases to total assets | 81.4544% | 1,058 |
| Net loans and leases to deposits | 94.9381% | 1,966 |
| Net loans and leases to core deposits | 114.7192% | 2,834 |
| Total domestic deposits to total assets | 85.7974% | 2,884 |
| Equity capital to assets | 13.9525% | 1,328 |
| Core capital (leverage) ratio | 14.0213% | 1,133 |
| Tier 1 risk-based capital ratio | 18.0714% | 1,999 |
| Total risk-based capital ratio | 18.7753% | 2,100 |
| Memoranda: | ||
| Average total assets | $20,372,330 | 7,913 |
| Average earning assets | $18,312,330 | 7,907 |
| Average equity | $2,813,000 | 7,784 |
| Average total loans | $16,874,000 | 7,492 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4567% | 174 |
| Cost of funding earning assets | 1.9357% | 4,464 |
| Net interest margin | 5.5210% | 170 |
| Noninterest income to average assets | 0.5158% | 4,175 |
| Noninterest expense to average assets | 2.8369% | 4,396 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0632% | 313 |
| Return on assets (ROA) | 2.0632% | 355 |
| Pretax return on assets | 2.6584% | 191 |
| Return on Equity (ROE) | 15.0235% | 973 |
| Retained earnings to average equity (ytd only) | 15.0235% | 414 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6245% | 7,451 |
| Assets per employee ($millions) | 2.5469% | 7,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6794% | 7,509 |
| Loan loss allowance to noncurrent loans | 143.0380% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 6,341 |
| Noncurrent loans to loans | 0.4750% | 6,232 |
| Net loans and leases to total assets | 81.0798% | 1,187 |
| Net loans and leases to deposits | 94.5188% | 2,190 |
| Net loans and leases to core deposits | 114.4203% | 2,967 |
| Total domestic deposits to total assets | 85.7816% | 2,834 |
| Equity capital to assets | 13.8454% | 1,409 |
| Core capital (leverage) ratio | 13.7751% | 1,241 |
| Tier 1 risk-based capital ratio | 17.7232% | 2,118 |
| Total risk-based capital ratio | 18.4331% | 2,222 |
| Memoranda: | ||
| Average total assets | $20,162,500 | 7,969 |
| Average earning assets | $18,185,000 | 7,957 |
| Average equity | $2,769,000 | 7,849 |
| Average total loans | $16,786,500 | 7,544 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9573% | 204 |
| Cost of funding earning assets | 2.2960% | 5,172 |
| Net interest margin | 5.6613% | 161 |
| Noninterest income to average assets | 0.7348% | 2,873 |
| Noninterest expense to average assets | 3.9898% | 1,433 |
| Loan and lease loss provision to assets | 0.1397% | 5,570 |
| Net operating income to assets | 1.2937% | 1,497 |
| Return on assets (ROA) | 1.2937% | 1,453 |
| Pretax return on assets | 1.8112% | 922 |
| Return on Equity (ROE) | 9.1575% | 2,589 |
| Retained earnings to average equity (ytd only) | 3.6630% | 2,875 |
| Net charge-offs to loans | 0.0853% | 5,538 |
| Credit loss provision to net charge-offs | 192.8571% | 2,540 |
| Earnings coverage of net charge-offs (x) | 26.9286% | 1,264 |
| Efficiency ratio | 67.1603% | 4,880 |
| Assets per employee ($millions) | 2.4938% | 7,212 |
| Cash dividends to net income (ytd only)* | 60.0000% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6671% | 7,510 |
| Loan loss allowance to noncurrent loans | 194.8276% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 6,422 |
| Noncurrent loans to loans | 0.3424% | 6,349 |
| Net loans and leases to total assets | 84.3459% | 833 |
| Net loans and leases to deposits | 97.9624% | 2,132 |
| Net loans and leases to core deposits | 120.6583% | 2,626 |
| Total domestic deposits to total assets | 86.1003% | 2,356 |
| Equity capital to assets | 13.6190% | 1,565 |
| Core capital (leverage) ratio | 13.4359% | 1,407 |
| Tier 1 risk-based capital ratio | 16.8821% | 2,346 |
| Total risk-based capital ratio | 17.5842% | 2,484 |
| Memoranda: | ||
| Average total assets | $19,324,200 | 8,039 |
| Average earning assets | $17,769,800 | 8,009 |
| Average equity | $2,730,000 | 7,922 |
| Average total loans | $16,411,800 | 7,556 |