Home > The Farmers Bank of Osborne > Performance and Condition Ratios
The Farmers Bank of Osborne, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8685% | 1,849 |
| Cost of funding earning assets | 1.0758% | 1,418 |
| Net interest margin | 3.7927% | 2,521 |
| Noninterest income to average assets | 0.3476% | 3,622 |
| Noninterest expense to average assets | 2.3140% | 3,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4667% | 1,133 |
| Return on assets (ROA) | 1.5194% | 1,069 |
| Pretax return on assets | 1.5863% | 1,524 |
| Return on Equity (ROE) | 12.6022% | 1,297 |
| Retained earnings to average equity (ytd only) | 9.6457% | 561 |
| Net charge-offs to loans | -0.0101% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9846% | 3,697 |
| Assets per employee ($millions) | 4.7956% | 2,842 |
| Cash dividends to net income (ytd only)* | 23.4604% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 1,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 57.9410% | 3,772 |
| Net loans and leases to deposits | 69.3558% | 3,721 |
| Net loans and leases to core deposits | 72.5048% | 3,827 |
| Total domestic deposits to total assets | 83.5416% | 3,008 |
| Equity capital to assets | 12.6633% | 1,727 |
| Core capital (leverage) ratio | 12.7415% | 1,355 |
| Tier 1 risk-based capital ratio | 17.7749% | 1,816 |
| Total risk-based capital ratio | 18.9374% | 1,795 |
| Memoranda: | ||
| Average total assets | $67,328,200 | 4,477 |
| Average earning assets | $62,092,600 | 4,478 |
| Average equity | $8,117,600 | 4,492 |
| Average total loans | $39,702,800 | 4,408 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8566% | 1,949 |
| Cost of funding earning assets | 1.0476% | 1,547 |
| Net interest margin | 3.8090% | 2,565 |
| Noninterest income to average assets | 0.3978% | 3,330 |
| Noninterest expense to average assets | 2.3292% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5246% | 1,122 |
| Return on assets (ROA) | 1.5930% | 992 |
| Pretax return on assets | 1.6583% | 1,446 |
| Return on Equity (ROE) | 13.3804% | 1,148 |
| Retained earnings to average equity (ytd only) | 9.3911% | 930 |
| Net charge-offs to loans | -0.0134% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3229% | 3,766 |
| Assets per employee ($millions) | 4.7650% | 2,833 |
| Cash dividends to net income (ytd only)* | 29.8134% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 1,740 |
| Loan loss allowance to noncurrent loans | 134.9515% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6176% | 2,150 |
| Noncurrent loans to loans | 1.0043% | 1,589 |
| Net loans and leases to total assets | 60.6641% | 3,622 |
| Net loans and leases to deposits | 72.5628% | 3,586 |
| Net loans and leases to core deposits | 75.8471% | 3,707 |
| Total domestic deposits to total assets | 83.6022% | 2,967 |
| Equity capital to assets | 12.4299% | 1,966 |
| Core capital (leverage) ratio | 12.7098% | 1,480 |
| Tier 1 risk-based capital ratio | 16.9820% | 2,090 |
| Total risk-based capital ratio | 18.1218% | 2,069 |
| Memoranda: | ||
| Average total assets | $67,375,500 | 4,532 |
| Average earning assets | $62,236,750 | 4,527 |
| Average equity | $8,021,500 | 4,555 |
| Average total loans | $39,764,250 | 4,468 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7907% | 2,090 |
| Cost of funding earning assets | 0.9684% | 1,833 |
| Net interest margin | 3.8223% | 2,509 |
| Noninterest income to average assets | 0.5030% | 2,658 |
| Noninterest expense to average assets | 2.2989% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6924% | 734 |
| Return on assets (ROA) | 1.6924% | 762 |
| Pretax return on assets | 1.7427% | 1,181 |
| Return on Equity (ROE) | 14.4238% | 892 |
| Retained earnings to average equity (ytd only) | 9.7336% | 832 |
| Net charge-offs to loans | -0.0203% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7350% | 4,161 |
| Assets per employee ($millions) | 4.5452% | 3,068 |
| Cash dividends to net income (ytd only)* | 32.5175% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 57.4335% | 3,968 |
| Net loans and leases to deposits | 69.4248% | 3,887 |
| Net loans and leases to core deposits | 72.5036% | 3,976 |
| Total domestic deposits to total assets | 82.7276% | 3,298 |
| Equity capital to assets | 11.9173% | 2,256 |
| Core capital (leverage) ratio | 12.1686% | 1,714 |
| Tier 1 risk-based capital ratio | 16.8370% | 2,133 |
| Total risk-based capital ratio | 17.9920% | 2,106 |
| Memoranda: | ||
| Average total assets | $67,597,330 | 4,557 |
| Average earning assets | $62,579,670 | 4,549 |
| Average equity | $7,931,330 | 4,589 |
| Average total loans | $39,344,000 | 4,512 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8671% | 1,703 |
| Cost of funding earning assets | 0.8791% | 2,103 |
| Net interest margin | 3.9881% | 1,879 |
| Noninterest income to average assets | 0.7845% | 1,325 |
| Noninterest expense to average assets | 2.4009% | 3,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0325% | 366 |
| Return on assets (ROA) | 2.0325% | 384 |
| Pretax return on assets | 2.0503% | 585 |
| Return on Equity (ROE) | 17.4612% | 448 |
| Retained earnings to average equity (ytd only) | 13.4788% | 405 |
| Net charge-offs to loans | -0.0409% | 4,771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8051% | 4,550 |
| Assets per employee ($millions) | 4.5345% | 3,137 |
| Cash dividends to net income (ytd only)* | 22.8070% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 1,483 |
| Loan loss allowance to noncurrent loans | 1,425.6410% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 4,532 |
| Noncurrent loans to loans | 0.1023% | 4,279 |
| Net loans and leases to total assets | 55.2362% | 4,120 |
| Net loans and leases to deposits | 65.5100% | 4,094 |
| Net loans and leases to core deposits | 67.5040% | 4,206 |
| Total domestic deposits to total assets | 84.3172% | 2,937 |
| Equity capital to assets | 11.7397% | 2,195 |
| Core capital (leverage) ratio | 11.7888% | 1,917 |
| Tier 1 risk-based capital ratio | 16.8127% | 2,168 |
| Total risk-based capital ratio | 17.9837% | 2,143 |
| Memoranda: | ||
| Average total assets | $67,307,000 | 4,612 |
| Average earning assets | $61,884,500 | 4,616 |
| Average equity | $7,834,500 | 4,634 |
| Average total loans | $39,159,500 | 4,566 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 1,976 |
| Cost of funding earning assets | 0.7479% | 1,803 |
| Net interest margin | 3.9068% | 2,306 |
| Noninterest income to average assets | 0.1565% | 4,940 |
| Noninterest expense to average assets | 2.4098% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3018% | 1,791 |
| Return on assets (ROA) | 1.3018% | 1,780 |
| Pretax return on assets | 1.3653% | 2,258 |
| Return on Equity (ROE) | 11.4084% | 1,932 |
| Retained earnings to average equity (ytd only) | 7.1031% | 1,624 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6289% | 3,240 |
| Assets per employee ($millions) | 4.4398% | 3,252 |
| Cash dividends to net income (ytd only)* | 37.7381% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 1,745 |
| Loan loss allowance to noncurrent loans | 3,247.0588% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 4,737 |
| Noncurrent loans to loans | 0.0423% | 4,565 |
| Net loans and leases to total assets | 59.5237% | 3,818 |
| Net loans and leases to deposits | 70.4403% | 3,799 |
| Net loans and leases to core deposits | 71.7562% | 4,004 |
| Total domestic deposits to total assets | 84.5023% | 2,834 |
| Equity capital to assets | 11.5381% | 2,228 |
| Core capital (leverage) ratio | 11.8395% | 1,838 |
| Tier 1 risk-based capital ratio | 15.6715% | 2,544 |
| Total risk-based capital ratio | 16.7922% | 2,522 |
| Memoranda: | ||
| Average total assets | $64,528,000 | 4,682 |
| Average earning assets | $59,767,400 | 4,669 |
| Average equity | $7,363,000 | 4,696 |
| Average total loans | $38,865,400 | 4,589 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 2,010 |
| Cost of funding earning assets | 0.7245% | 1,722 |
| Net interest margin | 3.8640% | 2,422 |
| Noninterest income to average assets | 0.1479% | 5,035 |
| Noninterest expense to average assets | 2.3912% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3081% | 1,821 |
| Return on assets (ROA) | 1.3081% | 1,828 |
| Pretax return on assets | 1.3560% | 2,401 |
| Return on Equity (ROE) | 11.4972% | 1,983 |
| Retained earnings to average equity (ytd only) | 5.6937% | 2,827 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6465% | 3,244 |
| Assets per employee ($millions) | 4.3219% | 3,395 |
| Cash dividends to net income (ytd only)* | 50.4783% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 1,771 |
| Loan loss allowance to noncurrent loans | 1,623.5294% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 4,705 |
| Noncurrent loans to loans | 0.0852% | 4,498 |
| Net loans and leases to total assets | 60.7244% | 3,773 |
| Net loans and leases to deposits | 72.7456% | 3,703 |
| Net loans and leases to core deposits | 74.1570% | 3,936 |
| Total domestic deposits to total assets | 83.4750% | 3,129 |
| Equity capital to assets | 11.4763% | 2,277 |
| Core capital (leverage) ratio | 11.6154% | 2,076 |
| Tier 1 risk-based capital ratio | 15.2660% | 2,753 |
| Total risk-based capital ratio | 16.3887% | 2,743 |
| Memoranda: | ||
| Average total assets | $64,010,750 | 4,738 |
| Average earning assets | $59,625,500 | 4,721 |
| Average equity | $7,282,750 | 4,757 |
| Average total loans | $38,533,500 | 4,645 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4929% | 2,106 |
| Cost of funding earning assets | 0.6819% | 1,726 |
| Net interest margin | 3.8110% | 2,533 |
| Noninterest income to average assets | 0.1381% | 5,123 |
| Noninterest expense to average assets | 2.3942% | 3,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2489% | 1,987 |
| Return on assets (ROA) | 1.2489% | 1,986 |
| Pretax return on assets | 1.2865% | 2,566 |
| Return on Equity (ROE) | 11.0092% | 2,111 |
| Retained earnings to average equity (ytd only) | 4.3981% | 3,404 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8764% | 3,178 |
| Assets per employee ($millions) | 4.0109% | 3,874 |
| Cash dividends to net income (ytd only)* | 60.0503% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 1,725 |
| Loan loss allowance to noncurrent loans | 2,905.2632% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 4,882 |
| Noncurrent loans to loans | 0.0484% | 4,698 |
| Net loans and leases to total assets | 60.2580% | 3,780 |
| Net loans and leases to deposits | 70.0797% | 3,849 |
| Net loans and leases to core deposits | 71.3996% | 4,049 |
| Total domestic deposits to total assets | 85.9850% | 2,290 |
| Equity capital to assets | 11.3862% | 2,276 |
| Core capital (leverage) ratio | 11.5698% | 2,012 |
| Tier 1 risk-based capital ratio | 15.1663% | 2,794 |
| Total risk-based capital ratio | 16.3047% | 2,774 |
| Memoranda: | ||
| Average total assets | $63,738,000 | 4,791 |
| Average earning assets | $59,249,670 | 4,784 |
| Average equity | $7,230,330 | 4,815 |
| Average total loans | $38,071,670 | 4,699 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5064% | 1,848 |
| Cost of funding earning assets | 0.6671% | 1,618 |
| Net interest margin | 3.8392% | 2,263 |
| Noninterest income to average assets | 0.1008% | 5,327 |
| Noninterest expense to average assets | 2.4055% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2343% | 1,873 |
| Return on assets (ROA) | 1.2343% | 1,882 |
| Pretax return on assets | 1.2469% | 2,567 |
| Return on Equity (ROE) | 10.9010% | 2,011 |
| Retained earnings to average equity (ytd only) | 1.8910% | 4,388 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6897% | 3,224 |
| Assets per employee ($millions) | 4.2434% | 3,576 |
| Cash dividends to net income (ytd only)* | 82.6531% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 1,434 |
| Loan loss allowance to noncurrent loans | 261.6114% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 3,509 |
| Noncurrent loans to loans | 0.5765% | 2,815 |
| Net loans and leases to total assets | 56.6338% | 4,066 |
| Net loans and leases to deposits | 64.9841% | 4,154 |
| Net loans and leases to core deposits | 66.1990% | 4,295 |
| Total domestic deposits to total assets | 87.1502% | 2,064 |
| Equity capital to assets | 11.2913% | 2,309 |
| Core capital (leverage) ratio | 11.3307% | 2,139 |
| Tier 1 risk-based capital ratio | 15.7057% | 2,587 |
| Total risk-based capital ratio | 16.9049% | 2,554 |
| Memoranda: | ||
| Average total assets | $63,520,000 | 4,860 |
| Average earning assets | $58,761,500 | 4,854 |
| Average equity | $7,192,000 | 4,873 |
| Average total loans | $37,496,500 | 4,766 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4931% | 1,728 |
| Cost of funding earning assets | 0.6250% | 1,433 |
| Net interest margin | 3.8680% | 2,190 |
| Noninterest income to average assets | 0.2077% | 4,902 |
| Noninterest expense to average assets | 2.3792% | 4,133 |
| Loan and lease loss provision to assets | 0.0885% | 2,418 |
| Net operating income to assets | 1.2814% | 1,273 |
| Return on assets (ROA) | 1.2829% | 1,288 |
| Pretax return on assets | 1.3377% | 2,221 |
| Return on Equity (ROE) | 11.3997% | 1,363 |
| Retained earnings to average equity (ytd only) | 6.4365% | 1,311 |
| Net charge-offs to loans | 0.1704% | 1,450 |
| Credit loss provision to net charge-offs | 83.3333% | 2,892 |
| Earnings coverage of net charge-offs (x) | 13.4091% | 2,399 |
| Efficiency ratio | 62.5476% | 3,854 |
| Assets per employee ($millions) | 4.2259% | 3,618 |
| Cash dividends to net income (ytd only)* | 43.5383% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 1,623 |
| Loan loss allowance to noncurrent loans | 1,533.3333% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 3,384 |
| Noncurrent loans to loans | 0.0938% | 4,571 |
| Net loans and leases to total assets | 59.6965% | 3,855 |
| Net loans and leases to deposits | 68.5674% | 3,983 |
| Net loans and leases to core deposits | 69.8547% | 4,183 |
| Total domestic deposits to total assets | 87.0624% | 1,962 |
| Equity capital to assets | 11.3537% | 2,326 |
| Core capital (leverage) ratio | 11.5280% | 1,925 |
| Tier 1 risk-based capital ratio | 15.0152% | 2,849 |
| Total risk-based capital ratio | 16.1672% | 2,819 |
| Memoranda: | ||
| Average total assets | $62,122,800 | 4,922 |
| Average earning assets | $57,755,400 | 4,914 |
| Average equity | $6,991,400 | 4,939 |
| Average total loans | $38,741,200 | 4,768 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 1,671 |
| Cost of funding earning assets | 0.6119% | 1,448 |
| Net interest margin | 3.8791% | 2,111 |
| Noninterest income to average assets | 0.2093% | 4,961 |
| Noninterest expense to average assets | 2.4463% | 3,897 |
| Loan and lease loss provision to assets | 0.1186% | 1,824 |
| Net operating income to assets | 1.2188% | 1,615 |
| Return on assets (ROA) | 1.2188% | 1,644 |
| Pretax return on assets | 1.2684% | 2,626 |
| Return on Equity (ROE) | 10.8546% | 1,755 |
| Retained earnings to average equity (ytd only) | 5.6291% | 2,471 |
| Net charge-offs to loans | 0.2266% | 954 |
| Credit loss provision to net charge-offs | 83.3333% | 2,533 |
| Earnings coverage of net charge-offs (x) | 9.7422% | 2,663 |
| Efficiency ratio | 63.8154% | 3,584 |
| Assets per employee ($millions) | 4.1047% | 3,819 |
| Cash dividends to net income (ytd only)* | 48.1422% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 1,761 |
| Loan loss allowance to noncurrent loans | 87.2038% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.3513% | 1,177 |
| Noncurrent loans to loans | 1.6452% | 1,119 |
| Net loans and leases to total assets | 61.5939% | 3,703 |
| Net loans and leases to deposits | 72.1318% | 3,755 |
| Net loans and leases to core deposits | 73.5303% | 4,018 |
| Total domestic deposits to total assets | 85.3908% | 2,561 |
| Equity capital to assets | 11.5152% | 2,352 |
| Core capital (leverage) ratio | 11.3321% | 2,156 |
| Tier 1 risk-based capital ratio | 14.7371% | 3,042 |
| Total risk-based capital ratio | 15.8930% | 3,023 |
| Memoranda: | ||
| Average total assets | $61,806,250 | 4,981 |
| Average earning assets | $57,743,250 | 4,970 |
| Average equity | $6,940,000 | 5,005 |
| Average total loans | $38,828,250 | 4,812 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 1,719 |
| Cost of funding earning assets | 0.6052% | 1,412 |
| Net interest margin | 3.8284% | 2,180 |
| Noninterest income to average assets | 0.2198% | 4,938 |
| Noninterest expense to average assets | 2.4982% | 3,758 |
| Loan and lease loss provision to assets | 0.1777% | 1,078 |
| Net operating income to assets | 1.0762% | 2,100 |
| Return on assets (ROA) | 1.0762% | 2,148 |
| Pretax return on assets | 1.1214% | 3,085 |
| Return on Equity (ROE) | 9.6662% | 2,186 |
| Retained earnings to average equity (ytd only) | 3.6865% | 3,505 |
| Net charge-offs to loans | 0.3389% | 593 |
| Credit loss provision to net charge-offs | 83.3333% | 2,220 |
| Earnings coverage of net charge-offs (x) | 6.0909% | 2,747 |
| Efficiency ratio | 65.7872% | 3,385 |
| Assets per employee ($millions) | 3.9343% | 4,079 |
| Cash dividends to net income (ytd only)* | 61.8619% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 1,955 |
| Loan loss allowance to noncurrent loans | 81.6568% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.3900% | 1,133 |
| Noncurrent loans to loans | 1.7126% | 1,063 |
| Net loans and leases to total assets | 61.8278% | 3,650 |
| Net loans and leases to deposits | 70.8319% | 3,841 |
| Net loans and leases to core deposits | 72.1435% | 4,086 |
| Total domestic deposits to total assets | 87.2881% | 1,811 |
| Equity capital to assets | 11.0137% | 2,793 |
| Core capital (leverage) ratio | 11.0044% | 2,398 |
| Tier 1 risk-based capital ratio | 13.9743% | 3,438 |
| Total risk-based capital ratio | 15.0968% | 3,428 |
| Memoranda: | ||
| Average total assets | $61,884,670 | 5,020 |
| Average earning assets | $57,831,000 | 5,005 |
| Average equity | $6,890,000 | 5,040 |
| Average total loans | $38,945,670 | 4,848 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 1,657 |
| Cost of funding earning assets | 0.5982% | 1,386 |
| Net interest margin | 3.7981% | 2,118 |
| Noninterest income to average assets | 0.1891% | 5,145 |
| Noninterest expense to average assets | 2.5427% | 3,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1801% | 1,556 |
| Return on assets (ROA) | 1.1801% | 1,599 |
| Pretax return on assets | 1.2061% | 2,570 |
| Return on Equity (ROE) | 10.5409% | 1,718 |
| Retained earnings to average equity (ytd only) | 10.5409% | 688 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8261% | 3,227 |
| Assets per employee ($millions) | 4.1513% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 1,796 |
| Loan loss allowance to noncurrent loans | 53.7727% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.6814% | 896 |
| Noncurrent loans to loans | 2.7344% | 539 |
| Net loans and leases to total assets | 60.5871% | 3,720 |
| Net loans and leases to deposits | 68.9758% | 3,897 |
| Net loans and leases to core deposits | 70.2577% | 4,131 |
| Total domestic deposits to total assets | 87.8383% | 1,806 |
| Equity capital to assets | 11.1902% | 2,438 |
| Core capital (leverage) ratio | 11.1650% | 2,224 |
| Tier 1 risk-based capital ratio | 14.8732% | 3,033 |
| Total risk-based capital ratio | 16.0822% | 2,979 |
| Memoranda: | ||
| Average total assets | $61,352,500 | 5,087 |
| Average earning assets | $57,502,000 | 5,061 |
| Average equity | $6,868,500 | 5,091 |
| Average total loans | $38,682,500 | 4,898 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 1,524 |
| Cost of funding earning assets | 0.5950% | 1,376 |
| Net interest margin | 3.9098% | 1,934 |
| Noninterest income to average assets | 0.2635% | 4,848 |
| Noninterest expense to average assets | 2.7155% | 3,299 |
| Loan and lease loss provision to assets | 0.0420% | 3,545 |
| Net operating income to assets | 1.1192% | 1,822 |
| Return on assets (ROA) | 1.1664% | 1,717 |
| Pretax return on assets | 1.2050% | 2,646 |
| Return on Equity (ROE) | 10.0950% | 1,917 |
| Retained earnings to average equity (ytd only) | -9.1654% | 5,775 |
| Net charge-offs to loans | 0.0078% | 3,999 |
| Credit loss provision to net charge-offs | 833.3333% | 441 |
| Earnings coverage of net charge-offs (x) | 238.0000% | 298 |
| Efficiency ratio | 68.9966% | 3,077 |
| Assets per employee ($millions) | 4.0291% | 3,913 |
| Cash dividends to net income (ytd only)* | 190.7914% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 1,912 |
| Loan loss allowance to noncurrent loans | 30.9171% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 3.0131% | 333 |
| Noncurrent loans to loans | 4.6603% | 188 |
| Net loans and leases to total assets | 63.7236% | 3,394 |
| Net loans and leases to deposits | 72.5492% | 3,654 |
| Net loans and leases to core deposits | 73.9378% | 3,932 |
| Total domestic deposits to total assets | 87.8351% | 1,720 |
| Equity capital to assets | 11.2003% | 2,419 |
| Core capital (leverage) ratio | 11.1456% | 2,211 |
| Tier 1 risk-based capital ratio | 14.2622% | 3,308 |
| Total risk-based capital ratio | 15.4526% | 3,276 |
| Memoranda: | ||
| Average total assets | $59,584,400 | 5,153 |
| Average earning assets | $55,629,800 | 5,133 |
| Average equity | $6,884,600 | 5,116 |
| Average total loans | $38,698,600 | 4,921 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 1,392 |
| Cost of funding earning assets | 0.5874% | 1,433 |
| Net interest margin | 3.9696% | 1,748 |
| Noninterest income to average assets | 0.2807% | 4,760 |
| Noninterest expense to average assets | 2.6791% | 3,403 |
| Loan and lease loss provision to assets | 0.0561% | 3,122 |
| Net operating income to assets | 1.1862% | 1,686 |
| Return on assets (ROA) | 1.2374% | 1,597 |
| Pretax return on assets | 1.3025% | 2,422 |
| Return on Equity (ROE) | 10.6263% | 1,816 |
| Retained earnings to average equity (ytd only) | -13.5963% | 5,883 |
| Net charge-offs to loans | 0.0104% | 3,567 |
| Credit loss provision to net charge-offs | 833.3333% | 481 |
| Earnings coverage of net charge-offs (x) | 193.6625% | 380 |
| Efficiency ratio | 66.7418% | 3,462 |
| Assets per employee ($millions) | 3.9733% | 4,013 |
| Cash dividends to net income (ytd only)* | 227.9480% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 2,084 |
| Loan loss allowance to noncurrent loans | 30.8493% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 3.0621% | 368 |
| Noncurrent loans to loans | 4.6186% | 201 |
| Net loans and leases to total assets | 65.3551% | 3,228 |
| Net loans and leases to deposits | 76.5968% | 3,342 |
| Net loans and leases to core deposits | 78.1145% | 3,655 |
| Total domestic deposits to total assets | 85.3236% | 2,667 |
| Equity capital to assets | 11.4046% | 2,596 |
| Core capital (leverage) ratio | 11.1538% | 2,309 |
| Tier 1 risk-based capital ratio | 13.9742% | 3,569 |
| Total risk-based capital ratio | 15.1535% | 3,538 |
| Memoranda: | ||
| Average total assets | $59,371,500 | 5,200 |
| Average earning assets | $55,386,250 | 5,185 |
| Average equity | $6,913,500 | 5,161 |
| Average total loans | $38,604,500 | 4,973 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5396% | 1,409 |
| Cost of funding earning assets | 0.5688% | 1,554 |
| Net interest margin | 3.9708% | 1,733 |
| Noninterest income to average assets | 0.3137% | 4,532 |
| Noninterest expense to average assets | 2.6579% | 3,525 |
| Loan and lease loss provision to assets | 0.0843% | 2,457 |
| Net operating income to assets | 1.2048% | 1,582 |
| Return on assets (ROA) | 1.2817% | 1,437 |
| Pretax return on assets | 1.3492% | 2,208 |
| Return on Equity (ROE) | 10.9316% | 1,672 |
| Retained earnings to average equity (ytd only) | -23.1865% | 5,985 |
| Net charge-offs to loans | 0.0157% | 3,207 |
| Credit loss provision to net charge-offs | 833.3333% | 425 |
| Earnings coverage of net charge-offs (x) | 133.6667% | 446 |
| Efficiency ratio | 65.6013% | 3,745 |
| Assets per employee ($millions) | 3.7987% | 4,269 |
| Cash dividends to net income (ytd only)* | 312.1053% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 2,066 |
| Loan loss allowance to noncurrent loans | 50.0444% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 1.8510% | 914 |
| Noncurrent loans to loans | 2.8969% | 527 |
| Net loans and leases to total assets | 62.9675% | 3,504 |
| Net loans and leases to deposits | 71.5012% | 3,831 |
| Net loans and leases to core deposits | 72.8333% | 4,106 |
| Total domestic deposits to total assets | 88.0650% | 1,400 |
| Equity capital to assets | 11.0844% | 2,966 |
| Core capital (leverage) ratio | 10.9903% | 2,439 |
| Tier 1 risk-based capital ratio | 13.8056% | 3,720 |
| Total risk-based capital ratio | 14.9889% | 3,676 |
| Memoranda: | ||
| Average total assets | $59,295,670 | 5,254 |
| Average earning assets | $55,203,330 | 5,244 |
| Average equity | $6,952,330 | 5,203 |
| Average total loans | $38,301,330 | 5,024 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8218% | 812 |
| Cost of funding earning assets | 0.5448% | 1,755 |
| Net interest margin | 4.2771% | 962 |
| Noninterest income to average assets | 0.3826% | 3,968 |
| Noninterest expense to average assets | 2.7394% | 3,276 |
| Loan and lease loss provision to assets | 0.1161% | 1,807 |
| Net operating income to assets | 1.4277% | 988 |
| Return on assets (ROA) | 1.4277% | 1,034 |
| Pretax return on assets | 1.4961% | 1,604 |
| Return on Equity (ROE) | 11.8414% | 1,359 |
| Retained earnings to average equity (ytd only) | -49.4051% | 6,073 |
| Net charge-offs to loans | 0.0105% | 2,770 |
| Credit loss provision to net charge-offs | 1,700.0000% | 240 |
| Earnings coverage of net charge-offs (x) | 236.0000% | 264 |
| Efficiency ratio | 62.3234% | 4,399 |
| Assets per employee ($millions) | 3.8989% | 4,121 |
| Cash dividends to net income (ytd only)* | 517.2249% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 2,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 62.6753% | 3,432 |
| Net loans and leases to deposits | 71.4885% | 3,699 |
| Net loans and leases to core deposits | 72.8786% | 3,987 |
| Total domestic deposits to total assets | 87.6718% | 1,817 |
| Equity capital to assets | 11.3570% | 2,571 |
| Core capital (leverage) ratio | 11.0168% | 2,393 |
| Tier 1 risk-based capital ratio | 14.2782% | 3,508 |
| Total risk-based capital ratio | 15.5015% | 3,464 |
| Memoranda: | ||
| Average total assets | $58,554,000 | 5,325 |
| Average earning assets | $54,336,500 | 5,310 |
| Average equity | $7,060,000 | 5,219 |
| Average total loans | $38,035,000 | 5,076 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6441% | 1,229 |
| Cost of funding earning assets | 0.4763% | 2,381 |
| Net interest margin | 4.1678% | 1,239 |
| Noninterest income to average assets | 0.1769% | 5,527 |
| Noninterest expense to average assets | 2.7533% | 3,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3005% | 1,269 |
| Return on assets (ROA) | 1.3231% | 1,259 |
| Pretax return on assets | 1.3911% | 1,935 |
| Return on Equity (ROE) | 10.6628% | 1,732 |
| Retained earnings to average equity (ytd only) | 5.4959% | 2,085 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1577% | 3,881 |
| Assets per employee ($millions) | 3.4485% | 4,906 |
| Cash dividends to net income (ytd only)* | 48.4576% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 2,461 |
| Loan loss allowance to noncurrent loans | 9,016.6667% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 5,665 |
| Noncurrent loans to loans | 0.0154% | 5,466 |
| Net loans and leases to total assets | 65.3606% | 3,073 |
| Net loans and leases to deposits | 75.7597% | 3,284 |
| Net loans and leases to core deposits | 77.2520% | 3,632 |
| Total domestic deposits to total assets | 86.2735% | 2,502 |
| Equity capital to assets | 12.7559% | 1,486 |
| Core capital (leverage) ratio | 12.4332% | 1,383 |
| Tier 1 risk-based capital ratio | 15.7246% | 2,814 |
| Total risk-based capital ratio | 16.8785% | 2,807 |
| Memoranda: | ||
| Average total assets | $58,801,200 | 5,347 |
| Average earning assets | $55,640,800 | 5,302 |
| Average equity | $7,296,400 | 5,189 |
| Average total loans | $37,255,000 | 5,107 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 1,204 |
| Cost of funding earning assets | 0.4699% | 2,500 |
| Net interest margin | 4.1811% | 1,210 |
| Noninterest income to average assets | 0.1654% | 5,653 |
| Noninterest expense to average assets | 2.6963% | 3,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3746% | 1,163 |
| Return on assets (ROA) | 1.4478% | 1,056 |
| Pretax return on assets | 1.5181% | 1,634 |
| Return on Equity (ROE) | 11.7498% | 1,446 |
| Retained earnings to average equity (ytd only) | 4.8175% | 3,036 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5126% | 4,156 |
| Assets per employee ($millions) | 3.5012% | 4,785 |
| Cash dividends to net income (ytd only)* | 58.9979% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 2,442 |
| Loan loss allowance to noncurrent loans | 54,100.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 4,809 |
| Noncurrent loans to loans | 0.0026% | 5,658 |
| Net loans and leases to total assets | 62.5487% | 3,531 |
| Net loans and leases to deposits | 75.9574% | 3,309 |
| Net loans and leases to core deposits | 77.4894% | 3,650 |
| Total domestic deposits to total assets | 82.3471% | 4,053 |
| Equity capital to assets | 12.4412% | 1,776 |
| Core capital (leverage) ratio | 12.2555% | 1,537 |
| Tier 1 risk-based capital ratio | 15.2310% | 3,175 |
| Total risk-based capital ratio | 16.3704% | 3,170 |
| Memoranda: | ||
| Average total assets | $58,845,500 | 5,413 |
| Average earning assets | $55,900,500 | 5,364 |
| Average equity | $7,251,000 | 5,266 |
| Average total loans | $36,854,250 | 5,182 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6092% | 1,261 |
| Cost of funding earning assets | 0.4606% | 2,606 |
| Net interest margin | 4.1486% | 1,228 |
| Noninterest income to average assets | 0.1706% | 5,681 |
| Noninterest expense to average assets | 2.6202% | 3,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4454% | 1,000 |
| Return on assets (ROA) | 1.5524% | 857 |
| Pretax return on assets | 1.6274% | 1,260 |
| Return on Equity (ROE) | 12.6395% | 1,188 |
| Retained earnings to average equity (ytd only) | 4.4169% | 3,203 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7063% | 4,560 |
| Assets per employee ($millions) | 3.6798% | 4,469 |
| Cash dividends to net income (ytd only)* | 65.0549% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 2,530 |
| Loan loss allowance to noncurrent loans | 177.3770% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 3,886 |
| Noncurrent loans to loans | 0.8151% | 3,086 |
| Net loans and leases to total assets | 62.6367% | 3,460 |
| Net loans and leases to deposits | 73.8047% | 3,515 |
| Net loans and leases to core deposits | 75.2505% | 3,829 |
| Total domestic deposits to total assets | 84.8682% | 3,184 |
| Equity capital to assets | 12.3038% | 1,793 |
| Core capital (leverage) ratio | 12.3322% | 1,469 |
| Tier 1 risk-based capital ratio | 15.4629% | 3,121 |
| Total risk-based capital ratio | 16.6367% | 3,102 |
| Memoranda: | ||
| Average total assets | $58,620,670 | 5,474 |
| Average earning assets | $56,018,330 | 5,412 |
| Average equity | $7,199,670 | 5,320 |
| Average total loans | $36,549,000 | 5,239 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5400% | 1,354 |
| Cost of funding earning assets | 0.4576% | 2,701 |
| Net interest margin | 4.0824% | 1,325 |
| Noninterest income to average assets | 0.1573% | 5,801 |
| Noninterest expense to average assets | 2.7627% | 3,374 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2446% | 1,419 |
| Return on assets (ROA) | 1.2446% | 1,506 |
| Pretax return on assets | 1.2993% | 2,289 |
| Return on Equity (ROE) | 10.1428% | 1,933 |
| Retained earnings to average equity (ytd only) | -1.8391% | 5,674 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3401% | 3,931 |
| Assets per employee ($millions) | 3.8381% | 4,271 |
| Cash dividends to net income (ytd only)* | 118.1319% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 2,224 |
| Loan loss allowance to noncurrent loans | 267.8218% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 4,603 |
| Noncurrent loans to loans | 0.5799% | 3,842 |
| Net loans and leases to total assets | 59.5619% | 3,719 |
| Net loans and leases to deposits | 69.0710% | 3,851 |
| Net loans and leases to core deposits | 70.4315% | 4,112 |
| Total domestic deposits to total assets | 86.2329% | 2,812 |
| Equity capital to assets | 12.4870% | 1,702 |
| Core capital (leverage) ratio | 11.8894% | 1,708 |
| Tier 1 risk-based capital ratio | 15.8408% | 2,993 |
| Total risk-based capital ratio | 17.0767% | 2,939 |
| Memoranda: | ||
| Average total assets | $58,493,000 | 5,532 |
| Average earning assets | $55,947,500 | 5,467 |
| Average equity | $7,177,500 | 5,367 |
| Average total loans | $36,114,000 | 5,294 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 1,300 |
| Cost of funding earning assets | 0.4577% | 3,094 |
| Net interest margin | 4.2461% | 1,174 |
| Noninterest income to average assets | 0.1886% | 5,727 |
| Noninterest expense to average assets | 2.6856% | 3,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4647% | 942 |
| Return on assets (ROA) | 1.4680% | 975 |
| Pretax return on assets | 1.5315% | 1,437 |
| Return on Equity (ROE) | 12.4415% | 1,282 |
| Retained earnings to average equity (ytd only) | 7.6451% | 1,143 |
| Net charge-offs to loans | -0.0300% | 5,787 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0851% | 4,742 |
| Assets per employee ($millions) | 3.3008% | 5,254 |
| Cash dividends to net income (ytd only)* | 38.5514% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 2,710 |
| Loan loss allowance to noncurrent loans | 349.0323% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 4,982 |
| Noncurrent loans to loans | 0.4145% | 4,401 |
| Net loans and leases to total assets | 62.0308% | 3,494 |
| Net loans and leases to deposits | 71.5520% | 3,731 |
| Net loans and leases to core deposits | 72.9080% | 4,038 |
| Total domestic deposits to total assets | 86.6934% | 2,454 |
| Equity capital to assets | 12.0611% | 1,976 |
| Core capital (leverage) ratio | 11.9974% | 1,614 |
| Tier 1 risk-based capital ratio | 15.4481% | 3,246 |
| Total risk-based capital ratio | 16.6507% | 3,220 |
| Memoranda: | ||
| Average total assets | $58,310,200 | 5,591 |
| Average earning assets | $55,274,000 | 5,540 |
| Average equity | $6,880,200 | 5,444 |
| Average total loans | $36,661,400 | 5,305 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7533% | 1,184 |
| Cost of funding earning assets | 0.4610% | 3,142 |
| Net interest margin | 4.2923% | 1,070 |
| Noninterest income to average assets | 0.1953% | 5,753 |
| Noninterest expense to average assets | 2.6719% | 3,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5234% | 893 |
| Return on assets (ROA) | 1.5278% | 923 |
| Pretax return on assets | 1.5921% | 1,351 |
| Return on Equity (ROE) | 13.0221% | 1,216 |
| Retained earnings to average equity (ytd only) | 6.5601% | 2,065 |
| Net charge-offs to loans | -0.0402% | 5,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0820% | 4,873 |
| Assets per employee ($millions) | 3.1957% | 5,441 |
| Cash dividends to net income (ytd only)* | 49.6244% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 2,829 |
| Loan loss allowance to noncurrent loans | 340.2516% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 5,158 |
| Noncurrent loans to loans | 0.4345% | 4,597 |
| Net loans and leases to total assets | 62.6741% | 3,386 |
| Net loans and leases to deposits | 72.5042% | 3,631 |
| Net loans and leases to core deposits | 73.5395% | 3,989 |
| Total domestic deposits to total assets | 86.4419% | 2,620 |
| Equity capital to assets | 12.1743% | 1,925 |
| Core capital (leverage) ratio | 11.7315% | 1,887 |
| Tier 1 risk-based capital ratio | 15.2731% | 3,432 |
| Total risk-based capital ratio | 16.4963% | 3,392 |
| Memoranda: | ||
| Average total assets | $58,034,250 | 5,662 |
| Average earning assets | $54,950,250 | 5,615 |
| Average equity | $6,808,750 | 5,513 |
| Average total loans | $36,477,750 | 5,363 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5793% | 1,588 |
| Cost of funding earning assets | 0.4656% | 3,154 |
| Net interest margin | 4.1138% | 1,467 |
| Noninterest income to average assets | 0.2027% | 5,746 |
| Noninterest expense to average assets | 2.6596% | 4,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3747% | 1,125 |
| Return on assets (ROA) | 1.3813% | 1,152 |
| Pretax return on assets | 1.4363% | 1,762 |
| Return on Equity (ROE) | 11.9217% | 1,445 |
| Retained earnings to average equity (ytd only) | 4.7153% | 3,145 |
| Net charge-offs to loans | -0.0659% | 5,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3697% | 4,636 |
| Assets per employee ($millions) | 3.2059% | 5,417 |
| Cash dividends to net income (ytd only)* | 60.4478% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 2,939 |
| Loan loss allowance to noncurrent loans | 273.7374% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 5,009 |
| Noncurrent loans to loans | 0.5451% | 4,375 |
| Net loans and leases to total assets | 62.0074% | 3,404 |
| Net loans and leases to deposits | 71.8456% | 3,589 |
| Net loans and leases to core deposits | 72.8698% | 3,957 |
| Total domestic deposits to total assets | 86.3064% | 2,876 |
| Equity capital to assets | 11.9346% | 2,032 |
| Core capital (leverage) ratio | 11.3419% | 2,125 |
| Tier 1 risk-based capital ratio | 15.0737% | 3,590 |
| Total risk-based capital ratio | 16.3163% | 3,546 |
| Memoranda: | ||
| Average total assets | $58,204,670 | 5,708 |
| Average earning assets | $54,986,000 | 5,663 |
| Average equity | $6,744,000 | 5,551 |
| Average total loans | $36,439,330 | 5,400 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 1,702 |
| Cost of funding earning assets | 0.4655% | 3,261 |
| Net interest margin | 4.0662% | 1,556 |
| Noninterest income to average assets | 0.1984% | 5,771 |
| Noninterest expense to average assets | 2.6688% | 4,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3070% | 1,194 |
| Return on assets (ROA) | 1.3070% | 1,241 |
| Pretax return on assets | 1.3549% | 1,897 |
| Return on Equity (ROE) | 11.4500% | 1,559 |
| Retained earnings to average equity (ytd only) | 2.0982% | 4,762 |
| Net charge-offs to loans | -0.1315% | 6,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6463% | 4,587 |
| Assets per employee ($millions) | 3.2268% | 5,490 |
| Cash dividends to net income (ytd only)* | 81.6754% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5242% | 3,045 |
| Loan loss allowance to noncurrent loans | 132.8431% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.7024% | 4,003 |
| Noncurrent loans to loans | 1.1474% | 3,128 |
| Net loans and leases to total assets | 60.2879% | 3,512 |
| Net loans and leases to deposits | 69.3351% | 3,685 |
| Net loans and leases to core deposits | 70.6686% | 4,017 |
| Total domestic deposits to total assets | 86.9514% | 2,843 |
| Equity capital to assets | 11.5645% | 2,191 |
| Core capital (leverage) ratio | 11.1251% | 2,277 |
| Tier 1 risk-based capital ratio | 15.4290% | 3,481 |
| Total risk-based capital ratio | 16.6806% | 3,435 |
| Memoranda: | ||
| Average total assets | $58,454,000 | 5,754 |
| Average earning assets | $54,989,500 | 5,702 |
| Average equity | $6,672,500 | 5,598 |
| Average total loans | $36,497,000 | 5,444 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 2,045 |
| Cost of funding earning assets | 0.4612% | 4,013 |
| Net interest margin | 4.0854% | 1,691 |
| Noninterest income to average assets | 0.2347% | 5,667 |
| Noninterest expense to average assets | 2.8024% | 3,713 |
| Loan and lease loss provision to assets | 0.0353% | 4,412 |
| Net operating income to assets | 1.2072% | 1,535 |
| Return on assets (ROA) | 1.2953% | 1,315 |
| Pretax return on assets | 1.3500% | 1,969 |
| Return on Equity (ROE) | 11.1965% | 1,704 |
| Retained earnings to average equity (ytd only) | 4.1796% | 3,203 |
| Net charge-offs to loans | -0.0684% | 6,402 |
| Credit loss provision to net charge-offs | -86.9565% | 5,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7294% | 4,251 |
| Assets per employee ($millions) | 3.2681% | 5,347 |
| Cash dividends to net income (ytd only)* | 62.6703% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 3,572 |
| Loan loss allowance to noncurrent loans | 129.9020% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 4,173 |
| Noncurrent loans to loans | 1.0899% | 3,356 |
| Net loans and leases to total assets | 62.7369% | 3,245 |
| Net loans and leases to deposits | 73.4399% | 3,338 |
| Net loans and leases to core deposits | 74.8580% | 3,752 |
| Total domestic deposits to total assets | 85.4263% | 3,541 |
| Equity capital to assets | 11.2673% | 2,370 |
| Core capital (leverage) ratio | 11.4117% | 2,026 |
| Tier 1 risk-based capital ratio | 14.7490% | 3,814 |
| Total risk-based capital ratio | 15.9689% | 3,772 |
| Memoranda: | ||
| Average total assets | $56,665,200 | 5,845 |
| Average earning assets | $53,557,000 | 5,783 |
| Average equity | $6,555,600 | 5,680 |
| Average total loans | $33,618,600 | 5,598 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 2,067 |
| Cost of funding earning assets | 0.4643% | 4,123 |
| Net interest margin | 4.0782% | 1,695 |
| Noninterest income to average assets | 0.2423% | 5,702 |
| Noninterest expense to average assets | 2.7818% | 3,725 |
| Loan and lease loss provision to assets | 0.0475% | 4,063 |
| Net operating income to assets | 1.2231% | 1,553 |
| Return on assets (ROA) | 1.3303% | 1,325 |
| Pretax return on assets | 1.3850% | 1,979 |
| Return on Equity (ROE) | 11.4210% | 1,676 |
| Retained earnings to average equity (ytd only) | 2.0395% | 5,107 |
| Net charge-offs to loans | -0.0939% | 6,485 |
| Credit loss provision to net charge-offs | -86.9565% | 5,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1106% | 4,283 |
| Assets per employee ($millions) | 3.2386% | 5,408 |
| Cash dividends to net income (ytd only)* | 82.1429% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 3,053 |
| Loan loss allowance to noncurrent loans | 72.0109% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 1.3368% | 2,968 |
| Noncurrent loans to loans | 2.2068% | 2,006 |
| Net loans and leases to total assets | 59.6128% | 3,758 |
| Net loans and leases to deposits | 68.8996% | 3,948 |
| Net loans and leases to core deposits | 70.3046% | 4,292 |
| Total domestic deposits to total assets | 86.5212% | 2,957 |
| Equity capital to assets | 11.8023% | 2,045 |
| Core capital (leverage) ratio | 11.2258% | 2,275 |
| Tier 1 risk-based capital ratio | 15.6876% | 3,358 |
| Total risk-based capital ratio | 16.9390% | 3,314 |
| Memoranda: | ||
| Average total assets | $56,125,250 | 5,928 |
| Average earning assets | $53,127,250 | 5,863 |
| Average equity | $6,537,500 | 5,755 |
| Average total loans | $32,664,500 | 5,698 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4159% | 2,504 |
| Cost of funding earning assets | 0.4629% | 4,280 |
| Net interest margin | 3.9531% | 2,034 |
| Noninterest income to average assets | 0.2585% | 5,604 |
| Noninterest expense to average assets | 2.7832% | 3,731 |
| Loan and lease loss provision to assets | 0.0708% | 3,616 |
| Net operating income to assets | 1.1114% | 1,889 |
| Return on assets (ROA) | 1.2712% | 1,498 |
| Pretax return on assets | 1.3208% | 2,231 |
| Return on Equity (ROE) | 10.9607% | 1,821 |
| Retained earnings to average equity (ytd only) | -0.9770% | 6,047 |
| Net charge-offs to loans | -0.0740% | 6,401 |
| Credit loss provision to net charge-offs | -166.6667% | 5,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7279% | 4,054 |
| Assets per employee ($millions) | 3.0918% | 5,697 |
| Cash dividends to net income (ytd only)* | 108.9136% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 3,397 |
| Loan loss allowance to noncurrent loans | 57.2848% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 1.6280% | 2,666 |
| Noncurrent loans to loans | 2.6914% | 1,695 |
| Net loans and leases to total assets | 59.5558% | 3,741 |
| Net loans and leases to deposits | 68.8492% | 3,884 |
| Net loans and leases to core deposits | 70.2382% | 4,245 |
| Total domestic deposits to total assets | 86.5018% | 3,115 |
| Equity capital to assets | 11.4138% | 2,366 |
| Core capital (leverage) ratio | 11.0459% | 2,310 |
| Tier 1 risk-based capital ratio | 15.3243% | 3,584 |
| Total risk-based capital ratio | 16.5740% | 3,536 |
| Memoranda: | ||
| Average total assets | $56,481,330 | 5,958 |
| Average earning assets | $53,578,670 | 5,877 |
| Average equity | $6,550,670 | 5,794 |
| Average total loans | $32,435,670 | 5,737 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 2,381 |
| Cost of funding earning assets | 0.4605% | 4,479 |
| Net interest margin | 3.9814% | 1,858 |
| Noninterest income to average assets | 0.2601% | 5,599 |
| Noninterest expense to average assets | 2.8121% | 3,652 |
| Loan and lease loss provision to assets | 0.1406% | 2,484 |
| Net operating income to assets | 1.0405% | 2,070 |
| Return on assets (ROA) | 1.0405% | 2,179 |
| Pretax return on assets | 1.0756% | 3,042 |
| Return on Equity (ROE) | 8.9023% | 2,524 |
| Retained earnings to average equity (ytd only) | -8.3609% | 6,544 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1099% | 4,128 |
| Assets per employee ($millions) | 3.2991% | 5,434 |
| Cash dividends to net income (ytd only)* | 193.9189% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 3,376 |
| Loan loss allowance to noncurrent loans | 123.3577% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 4,538 |
| Noncurrent loans to loans | 1.3021% | 3,608 |
| Net loans and leases to total assets | 55.3776% | 4,189 |
| Net loans and leases to deposits | 63.9896% | 4,317 |
| Net loans and leases to core deposits | 65.2685% | 4,620 |
| Total domestic deposits to total assets | 86.5416% | 3,209 |
| Equity capital to assets | 11.6843% | 2,268 |
| Core capital (leverage) ratio | 10.6357% | 2,611 |
| Tier 1 risk-based capital ratio | 16.0536% | 3,232 |
| Total risk-based capital ratio | 17.3039% | 3,192 |
| Memoranda: | ||
| Average total assets | $56,896,000 | 6,001 |
| Average earning assets | $53,850,000 | 5,906 |
| Average equity | $6,650,000 | 5,828 |
| Average total loans | $31,822,000 | 5,799 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 2,981 |
| Cost of funding earning assets | 0.5269% | 5,012 |
| Net interest margin | 4.0776% | 2,090 |
| Noninterest income to average assets | 0.1393% | 6,341 |
| Noninterest expense to average assets | 2.7245% | 4,307 |
| Loan and lease loss provision to assets | 0.0344% | 5,455 |
| Net operating income to assets | 1.1650% | 1,711 |
| Return on assets (ROA) | 1.2607% | 1,577 |
| Pretax return on assets | 1.3141% | 2,340 |
| Return on Equity (ROE) | 10.9022% | 1,834 |
| Retained earnings to average equity (ytd only) | -0.0149% | 5,845 |
| Net charge-offs to loans | -0.0863% | 6,800 |
| Credit loss provision to net charge-offs | -74.0741% | 6,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8788% | 4,170 |
| Assets per employee ($millions) | 3.2060% | 5,609 |
| Cash dividends to net income (ytd only)* | 100.1364% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 3,667 |
| Loan loss allowance to noncurrent loans | 298.7730% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 5,842 |
| Noncurrent loans to loans | 0.5081% | 5,263 |
| Net loans and leases to total assets | 54.7446% | 4,500 |
| Net loans and leases to deposits | 63.2536% | 4,632 |
| Net loans and leases to core deposits | 64.4814% | 4,906 |
| Total domestic deposits to total assets | 86.5478% | 3,080 |
| Equity capital to assets | 11.6916% | 2,277 |
| Core capital (leverage) ratio | 10.6984% | 2,547 |
| Tier 1 risk-based capital ratio | 15.4152% | 3,477 |
| Total risk-based capital ratio | 16.6423% | 3,454 |
| Memoranda: | ||
| Average total assets | $58,140,000 | 5,969 |
| Average earning assets | $54,664,000 | 5,906 |
| Average equity | $6,723,400 | 5,839 |
| Average total loans | $31,283,000 | 5,883 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 3,172 |
| Cost of funding earning assets | 0.5385% | 5,175 |
| Net interest margin | 4.0695% | 2,206 |
| Noninterest income to average assets | 0.0618% | 6,762 |
| Noninterest expense to average assets | 2.6713% | 4,496 |
| Loan and lease loss provision to assets | 0.0115% | 5,666 |
| Net operating income to assets | 1.1544% | 1,887 |
| Return on assets (ROA) | 1.2818% | 1,633 |
| Pretax return on assets | 1.3345% | 2,477 |
| Return on Equity (ROE) | 11.1150% | 1,915 |
| Retained earnings to average equity (ytd only) | -1.4687% | 6,329 |
| Net charge-offs to loans | -0.1158% | 6,883 |
| Credit loss provision to net charge-offs | -18.5185% | 6,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0613% | 4,049 |
| Assets per employee ($millions) | 3.3041% | 5,436 |
| Cash dividends to net income (ytd only)* | 113.2137% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 4,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 55.7984% | 4,489 |
| Net loans and leases to deposits | 67.2006% | 4,310 |
| Net loans and leases to core deposits | 68.5187% | 4,672 |
| Total domestic deposits to total assets | 83.0326% | 4,628 |
| Equity capital to assets | 11.3093% | 2,925 |
| Core capital (leverage) ratio | 10.5075% | 2,902 |
| Tier 1 risk-based capital ratio | 14.5517% | 4,149 |
| Total risk-based capital ratio | 15.6887% | 4,195 |
| Memoranda: | ||
| Average total assets | $58,248,000 | 6,033 |
| Average earning assets | $54,715,000 | 5,971 |
| Average equity | $6,717,500 | 5,906 |
| Average total loans | $31,084,000 | 5,968 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5781% | 3,448 |
| Cost of funding earning assets | 0.5475% | 5,323 |
| Net interest margin | 4.0307% | 2,379 |
| Noninterest income to average assets | 0.2386% | 5,861 |
| Noninterest expense to average assets | 2.7974% | 4,027 |
| Loan and lease loss provision to assets | 0.0173% | 5,451 |
| Net operating income to assets | 1.1726% | 1,810 |
| Return on assets (ROA) | 1.2656% | 1,694 |
| Pretax return on assets | 1.3140% | 2,506 |
| Return on Equity (ROE) | 10.9015% | 2,022 |
| Retained earnings to average equity (ytd only) | -3.1573% | 6,481 |
| Net charge-offs to loans | -0.0993% | 6,857 |
| Credit loss provision to net charge-offs | -33.3333% | 5,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6964% | 4,000 |
| Assets per employee ($millions) | 3.2742% | 5,500 |
| Cash dividends to net income (ytd only)* | 128.9617% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 4,290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 5,754 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 53.4342% | 4,889 |
| Net loans and leases to deposits | 64.3337% | 4,717 |
| Net loans and leases to core deposits | 65.2670% | 5,084 |
| Total domestic deposits to total assets | 83.0579% | 4,734 |
| Equity capital to assets | 11.3038% | 2,782 |
| Core capital (leverage) ratio | 10.4743% | 2,832 |
| Tier 1 risk-based capital ratio | 14.8834% | 3,845 |
| Total risk-based capital ratio | 16.0235% | 3,882 |
| Memoranda: | ||
| Average total assets | $57,839,670 | 6,084 |
| Average earning assets | $54,432,670 | 6,022 |
| Average equity | $6,714,670 | 5,926 |
| Average total loans | $30,226,330 | 6,056 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5504% | 3,717 |
| Cost of funding earning assets | 0.5707% | 5,356 |
| Net interest margin | 3.9797% | 2,593 |
| Noninterest income to average assets | 0.2374% | 5,934 |
| Noninterest expense to average assets | 2.7299% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2079% | 1,712 |
| Return on assets (ROA) | 1.2079% | 1,893 |
| Pretax return on assets | 1.2567% | 2,702 |
| Return on Equity (ROE) | 10.2655% | 2,313 |
| Retained earnings to average equity (ytd only) | -1.6021% | 6,228 |
| Net charge-offs to loans | -0.1771% | 6,961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7758% | 4,212 |
| Assets per employee ($millions) | 3.2179% | 5,727 |
| Cash dividends to net income (ytd only)* | 115.6069% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 3,768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 5,650 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 48.4548% | 5,499 |
| Net loans and leases to deposits | 56.0748% | 5,594 |
| Net loans and leases to core deposits | 56.8702% | 5,830 |
| Total domestic deposits to total assets | 86.4110% | 3,295 |
| Equity capital to assets | 11.6450% | 2,308 |
| Core capital (leverage) ratio | 10.7025% | 2,543 |
| Tier 1 risk-based capital ratio | 16.6043% | 2,864 |
| Total risk-based capital ratio | 17.8414% | 2,827 |
| Memoranda: | ||
| Average total assets | $57,291,500 | 6,140 |
| Average earning assets | $53,973,500 | 6,066 |
| Average equity | $6,741,000 | 5,952 |
| Average total loans | $29,363,500 | 6,142 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 3,571 |
| Cost of funding earning assets | 0.8141% | 4,754 |
| Net interest margin | 4.0389% | 2,684 |
| Noninterest income to average assets | 0.2509% | 5,736 |
| Noninterest expense to average assets | 2.9228% | 3,869 |
| Loan and lease loss provision to assets | 0.0338% | 6,137 |
| Net operating income to assets | 1.0353% | 2,064 |
| Return on assets (ROA) | 1.0353% | 2,217 |
| Pretax return on assets | 1.0871% | 2,887 |
| Return on Equity (ROE) | 8.9081% | 2,492 |
| Retained earnings to average equity (ytd only) | 5.9102% | 2,070 |
| Net charge-offs to loans | 0.0189% | 6,177 |
| Credit loss provision to net charge-offs | 340.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 112.6000% | 285 |
| Efficiency ratio | 71.9350% | 3,589 |
| Assets per employee ($millions) | 3.1478% | 5,811 |
| Cash dividends to net income (ytd only)* | 33.6538% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 4,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4942% | 5,733 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 52.5370% | 5,229 |
| Net loans and leases to deposits | 61.0325% | 5,361 |
| Net loans and leases to core deposits | 61.9212% | 5,659 |
| Total domestic deposits to total assets | 86.0804% | 3,273 |
| Equity capital to assets | 11.8900% | 2,207 |
| Core capital (leverage) ratio | 11.1393% | 2,163 |
| Tier 1 risk-based capital ratio | 16.4897% | 2,828 |
| Total risk-based capital ratio | 17.6785% | 2,817 |
| Memoranda: | ||
| Average total assets | $50,226,000 | 6,357 |
| Average earning assets | $47,166,600 | 6,285 |
| Average equity | $5,837,400 | 6,196 |
| Average total loans | $26,413,600 | 6,329 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9089% | 3,513 |
| Cost of funding earning assets | 0.8615% | 4,695 |
| Net interest margin | 4.0474% | 2,701 |
| Noninterest income to average assets | 0.2413% | 5,896 |
| Noninterest expense to average assets | 2.8467% | 4,156 |
| Loan and lease loss provision to assets | 0.0466% | 5,858 |
| Net operating income to assets | 1.0887% | 2,014 |
| Return on assets (ROA) | 1.0887% | 2,156 |
| Pretax return on assets | 1.1491% | 2,826 |
| Return on Equity (ROE) | 9.4311% | 2,413 |
| Retained earnings to average equity (ytd only) | 5.2738% | 3,011 |
| Net charge-offs to loans | 0.0366% | 5,635 |
| Credit loss provision to net charge-offs | 242.8571% | 1,179 |
| Earnings coverage of net charge-offs (x) | 62.3065% | 534 |
| Efficiency ratio | 70.2171% | 3,921 |
| Assets per employee ($millions) | 2.9731% | 6,179 |
| Cash dividends to net income (ytd only)* | 44.0811% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 3,897 |
| Loan loss allowance to noncurrent loans | 706.4516% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.6391% | 5,541 |
| Noncurrent loans to loans | 0.2191% | 6,439 |
| Net loans and leases to total assets | 52.0536% | 5,441 |
| Net loans and leases to deposits | 60.8737% | 5,532 |
| Net loans and leases to core deposits | 61.8193% | 5,828 |
| Total domestic deposits to total assets | 85.5109% | 3,488 |
| Equity capital to assets | 12.3103% | 2,021 |
| Core capital (leverage) ratio | 11.5303% | 2,005 |
| Tier 1 risk-based capital ratio | 16.5137% | 2,857 |
| Total risk-based capital ratio | 17.7243% | 2,840 |
| Memoranda: | ||
| Average total assets | $48,617,250 | 6,465 |
| Average earning assets | $45,657,250 | 6,397 |
| Average equity | $5,612,500 | 6,301 |
| Average total loans | $25,465,000 | 6,454 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9560% | 3,378 |
| Cost of funding earning assets | 0.9213% | 4,511 |
| Net interest margin | 4.0347% | 2,679 |
| Noninterest income to average assets | 0.2086% | 6,172 |
| Noninterest expense to average assets | 2.6647% | 4,953 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2600% | 1,422 |
| Return on assets (ROA) | 1.2600% | 1,485 |
| Pretax return on assets | 1.3281% | 2,048 |
| Return on Equity (ROE) | 11.1966% | 1,727 |
| Retained earnings to average equity (ytd only) | 6.4683% | 2,158 |
| Net charge-offs to loans | 0.1550% | 4,253 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 16.4211% | 1,342 |
| Efficiency ratio | 66.7377% | 4,737 |
| Assets per employee ($millions) | 3.4336% | 5,113 |
| Cash dividends to net income (ytd only)* | 42.2297% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 3,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 5,758 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 50.2444% | 5,793 |
| Net loans and leases to deposits | 58.3279% | 5,900 |
| Net loans and leases to core deposits | 59.3309% | 6,156 |
| Total domestic deposits to total assets | 86.1413% | 3,246 |
| Equity capital to assets | 11.4893% | 2,512 |
| Core capital (leverage) ratio | 10.6959% | 2,521 |
| Tier 1 risk-based capital ratio | 15.9240% | 3,014 |
| Total risk-based capital ratio | 17.1753% | 2,991 |
| Memoranda: | ||
| Average total assets | $46,984,330 | 6,567 |
| Average earning assets | $44,067,670 | 6,507 |
| Average equity | $5,287,330 | 6,437 |
| Average total loans | $24,521,670 | 6,560 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0044% | 3,093 |
| Cost of funding earning assets | 0.9441% | 4,617 |
| Net interest margin | 4.0604% | 2,429 |
| Noninterest income to average assets | 0.1981% | 6,304 |
| Noninterest expense to average assets | 2.6787% | 4,921 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2833% | 1,312 |
| Return on assets (ROA) | 1.2833% | 1,359 |
| Pretax return on assets | 1.3350% | 1,924 |
| Return on Equity (ROE) | 11.5292% | 1,591 |
| Retained earnings to average equity (ytd only) | 11.5292% | 806 |
| Net charge-offs to loans | 0.3265% | 2,748 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 7.7500% | 1,900 |
| Efficiency ratio | 66.7382% | 4,904 |
| Assets per employee ($millions) | 3.1669% | 5,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7236% | 3,263 |
| Loan loss allowance to noncurrent loans | 529.8701% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.8147% | 5,275 |
| Noncurrent loans to loans | 0.3253% | 6,341 |
| Net loans and leases to total assets | 48.9716% | 5,963 |
| Net loans and leases to deposits | 56.6478% | 6,070 |
| Net loans and leases to core deposits | 57.6302% | 6,289 |
| Total domestic deposits to total assets | 86.4493% | 3,266 |
| Equity capital to assets | 11.0625% | 2,625 |
| Core capital (leverage) ratio | 10.8378% | 2,325 |
| Tier 1 risk-based capital ratio | 16.7171% | 2,580 |
| Total risk-based capital ratio | 17.9674% | 2,554 |
| Memoranda: | ||
| Average total assets | $46,441,000 | 6,624 |
| Average earning assets | $43,641,500 | 6,574 |
| Average equity | $5,169,500 | 6,497 |
| Average total loans | $24,501,500 | 6,613 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2871% | 3,192 |
| Cost of funding earning assets | 1.0239% | 5,568 |
| Net interest margin | 4.2633% | 1,947 |
| Noninterest income to average assets | 0.3136% | 5,549 |
| Noninterest expense to average assets | 2.7210% | 4,893 |
| Loan and lease loss provision to assets | 0.1421% | 5,761 |
| Net operating income to assets | 1.3650% | 1,022 |
| Return on assets (ROA) | 1.3650% | 1,097 |
| Pretax return on assets | 1.4056% | 1,652 |
| Return on Equity (ROE) | 11.9048% | 1,333 |
| Retained earnings to average equity (ytd only) | 5.5096% | 2,104 |
| Net charge-offs to loans | 0.1055% | 5,814 |
| Credit loss provision to net charge-offs | 262.5000% | 1,070 |
| Earnings coverage of net charge-offs (x) | 28.5833% | 758 |
| Efficiency ratio | 63.7421% | 5,396 |
| Assets per employee ($millions) | 3.4907% | 4,950 |
| Cash dividends to net income (ytd only)* | 53.7190% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6896% | 3,252 |
| Loan loss allowance to noncurrent loans | 144.1077% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 1.3376% | 4,347 |
| Noncurrent loans to loans | 1.1724% | 4,761 |
| Net loans and leases to total assets | 54.8800% | 5,508 |
| Net loans and leases to deposits | 63.7877% | 5,651 |
| Net loans and leases to core deposits | 65.8105% | 5,896 |
| Total domestic deposits to total assets | 86.0354% | 3,341 |
| Equity capital to assets | 11.2034% | 2,508 |
| Core capital (leverage) ratio | 10.7578% | 2,342 |
| Tier 1 risk-based capital ratio | 15.7336% | 2,873 |
| Total risk-based capital ratio | 16.9841% | 2,836 |
| Memoranda: | ||
| Average total assets | $44,322,600 | 6,720 |
| Average earning assets | $41,118,800 | 6,672 |
| Average equity | $5,082,000 | 6,640 |
| Average total loans | $22,739,000 | 6,787 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3100% | 3,302 |
| Cost of funding earning assets | 1.0345% | 5,779 |
| Net interest margin | 4.2755% | 1,933 |
| Noninterest income to average assets | 0.3420% | 5,434 |
| Noninterest expense to average assets | 2.4754% | 5,804 |
| Loan and lease loss provision to assets | 0.1907% | 5,137 |
| Net operating income to assets | 1.5797% | 772 |
| Return on assets (ROA) | 1.5797% | 847 |
| Pretax return on assets | 1.6281% | 1,276 |
| Return on Equity (ROE) | 13.6963% | 1,100 |
| Retained earnings to average equity (ytd only) | 7.7928% | 1,486 |
| Net charge-offs to loans | -0.0060% | 7,224 |
| Credit loss provision to net charge-offs | -6,300.0000% | 7,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6462% | 6,316 |
| Assets per employee ($millions) | 3.4157% | 5,167 |
| Cash dividends to net income (ytd only)* | 43.1033% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8640% | 2,589 |
| Loan loss allowance to noncurrent loans | 112.4069% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 1.6845% | 3,916 |
| Noncurrent loans to loans | 1.6582% | 4,158 |
| Net loans and leases to total assets | 53.7114% | 5,888 |
| Net loans and leases to deposits | 62.7516% | 6,052 |
| Net loans and leases to core deposits | 64.7975% | 6,231 |
| Total domestic deposits to total assets | 85.5936% | 3,299 |
| Equity capital to assets | 12.0980% | 2,091 |
| Core capital (leverage) ratio | 11.2690% | 2,088 |
| Tier 1 risk-based capital ratio | 16.7519% | 2,433 |
| Total risk-based capital ratio | 18.0043% | 2,399 |
| Memoranda: | ||
| Average total assets | $44,058,500 | 6,816 |
| Average earning assets | $40,727,000 | 6,768 |
| Average equity | $5,081,500 | 6,726 |
| Average total loans | $22,090,750 | 6,908 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2971% | 3,487 |
| Cost of funding earning assets | 1.0347% | 5,986 |
| Net interest margin | 4.2624% | 1,913 |
| Noninterest income to average assets | 0.3413% | 5,422 |
| Noninterest expense to average assets | 2.2939% | 6,372 |
| Loan and lease loss provision to assets | 0.2867% | 4,099 |
| Net operating income to assets | 1.6157% | 699 |
| Return on assets (ROA) | 1.6157% | 757 |
| Pretax return on assets | 1.6794% | 1,090 |
| Return on Equity (ROE) | 14.2437% | 987 |
| Retained earnings to average equity (ytd only) | 8.2252% | 1,361 |
| Net charge-offs to loans | 0.1873% | 4,490 |
| Credit loss provision to net charge-offs | 315.0000% | 1,161 |
| Earnings coverage of net charge-offs (x) | 21.6000% | 1,168 |
| Efficiency ratio | 53.8462% | 6,898 |
| Assets per employee ($millions) | 3.7627% | 4,311 |
| Cash dividends to net income (ytd only)* | 42.2535% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8490% | 2,568 |
| Loan loss allowance to noncurrent loans | 137.5796% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 1.4595% | 4,274 |
| Noncurrent loans to loans | 1.3439% | 4,698 |
| Net loans and leases to total assets | 50.7884% | 6,335 |
| Net loans and leases to deposits | 58.7458% | 6,516 |
| Net loans and leases to core deposits | 60.6089% | 6,667 |
| Total domestic deposits to total assets | 86.4546% | 2,845 |
| Equity capital to assets | 11.3616% | 2,549 |
| Core capital (leverage) ratio | 11.2080% | 2,099 |
| Tier 1 risk-based capital ratio | 16.7258% | 2,393 |
| Total risk-based capital ratio | 17.9721% | 2,340 |
| Memoranda: | ||
| Average total assets | $43,943,330 | 6,869 |
| Average earning assets | $40,399,330 | 6,829 |
| Average equity | $4,984,670 | 6,785 |
| Average total loans | $21,353,330 | 6,999 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5439% | 2,389 |
| Cost of funding earning assets | 1.0599% | 6,091 |
| Net interest margin | 4.4840% | 1,180 |
| Noninterest income to average assets | 0.3969% | 4,936 |
| Noninterest expense to average assets | 2.0582% | 7,043 |
| Loan and lease loss provision to assets | 0.5353% | 2,360 |
| Net operating income to assets | 1.8644% | 434 |
| Return on assets (ROA) | 1.8644% | 476 |
| Pretax return on assets | 1.8644% | 786 |
| Return on Equity (ROE) | 16.4495% | 660 |
| Retained earnings to average equity (ytd only) | 10.3420% | 1,077 |
| Net charge-offs to loans | 0.0393% | 5,027 |
| Credit loss provision to net charge-offs | 2,900.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 254 |
| Efficiency ratio | 46.1698% | 7,544 |
| Assets per employee ($millions) | 3.8795% | 4,144 |
| Cash dividends to net income (ytd only)* | 37.1287% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1285% | 1,890 |
| Loan loss allowance to noncurrent loans | 71.0863% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 2.2754% | 3,184 |
| Noncurrent loans to loans | 2.9942% | 2,680 |
| Net loans and leases to total assets | 47.9496% | 6,681 |
| Net loans and leases to deposits | 55.1432% | 6,834 |
| Net loans and leases to core deposits | 56.2035% | 6,985 |
| Total domestic deposits to total assets | 86.9546% | 2,649 |
| Equity capital to assets | 11.6511% | 2,265 |
| Core capital (leverage) ratio | 11.1768% | 2,112 |
| Tier 1 risk-based capital ratio | 17.7050% | 2,020 |
| Total risk-based capital ratio | 18.9607% | 1,993 |
| Memoranda: | ||
| Average total assets | $43,339,000 | 6,975 |
| Average earning assets | $39,250,500 | 6,961 |
| Average equity | $4,912,000 | 6,875 |
| Average total loans | $20,348,000 | 7,142 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1973% | 5,662 |
| Cost of funding earning assets | 1.3755% | 6,034 |
| Net interest margin | 3.8218% | 3,613 |
| Noninterest income to average assets | 0.2385% | 6,381 |
| Noninterest expense to average assets | 2.6139% | 5,745 |
| Loan and lease loss provision to assets | 0.9906% | 2,291 |
| Net operating income to assets | 0.1947% | 4,913 |
| Return on assets (ROA) | 0.1947% | 4,985 |
| Pretax return on assets | 0.2044% | 4,995 |
| Return on Equity (ROE) | 1.6240% | 5,047 |
| Retained earnings to average equity (ytd only) | -0.4060% | 5,063 |
| Net charge-offs to loans | 1.7335% | 1,445 |
| Credit loss provision to net charge-offs | 121.1310% | 4,402 |
| Earnings coverage of net charge-offs (x) | 1.4613% | 4,666 |
| Efficiency ratio | 68.6262% | 4,899 |
| Assets per employee ($millions) | 4.0004% | 3,817 |
| Cash dividends to net income (ytd only)* | 125.0000% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9657% | 2,101 |
| Loan loss allowance to noncurrent loans | 40.5208% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 2.1816% | 3,155 |
| Noncurrent loans to loans | 4.8512% | 1,413 |
| Net loans and leases to total assets | 44.0869% | 7,115 |
| Net loans and leases to deposits | 50.3582% | 7,243 |
| Net loans and leases to core deposits | 59.6024% | 7,282 |
| Total domestic deposits to total assets | 87.5466% | 2,198 |
| Equity capital to assets | 11.0263% | 2,693 |
| Core capital (leverage) ratio | 10.9188% | 2,272 |
| Tier 1 risk-based capital ratio | 18.1004% | 1,865 |
| Total risk-based capital ratio | 19.3526% | 1,823 |
| Memoranda: | ||
| Average total assets | $41,088,000 | 7,046 |
| Average earning assets | $38,385,000 | 7,002 |
| Average equity | $4,926,200 | 6,971 |
| Average total loans | $19,382,200 | 7,238 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2370% | 5,734 |
| Cost of funding earning assets | 1.4776% | 5,924 |
| Net interest margin | 3.7593% | 3,817 |
| Noninterest income to average assets | 0.2511% | 6,438 |
| Noninterest expense to average assets | 2.4843% | 6,126 |
| Loan and lease loss provision to assets | 0.9217% | 2,084 |
| Net operating income to assets | 0.3502% | 4,599 |
| Return on assets (ROA) | 0.3502% | 4,695 |
| Pretax return on assets | 0.3667% | 4,888 |
| Return on Equity (ROE) | 2.8582% | 4,854 |
| Retained earnings to average equity (ytd only) | 0.1618% | 5,133 |
| Net charge-offs to loans | 1.5629% | 1,308 |
| Credit loss provision to net charge-offs | 123.4513% | 4,086 |
| Earnings coverage of net charge-offs (x) | 1.7256% | 4,503 |
| Efficiency ratio | 65.8494% | 5,394 |
| Assets per employee ($millions) | 3.5719% | 4,756 |
| Cash dividends to net income (ytd only)* | 94.3395% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8967% | 2,043 |
| Loan loss allowance to noncurrent loans | 33.8195% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 2.5593% | 2,714 |
| Noncurrent loans to loans | 5.6084% | 1,109 |
| Net loans and leases to total assets | 44.7682% | 7,192 |
| Net loans and leases to deposits | 51.5030% | 7,329 |
| Net loans and leases to core deposits | 62.3040% | 7,314 |
| Total domestic deposits to total assets | 86.9235% | 2,216 |
| Equity capital to assets | 11.5881% | 2,513 |
| Core capital (leverage) ratio | 11.3212% | 2,176 |
| Tier 1 risk-based capital ratio | 19.3439% | 1,677 |
| Total risk-based capital ratio | 20.5967% | 1,641 |
| Memoranda: | ||
| Average total assets | $40,359,000 | 7,130 |
| Average earning assets | $37,807,250 | 7,078 |
| Average equity | $4,944,750 | 7,021 |
| Average total loans | $19,280,500 | 7,303 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2479% | 5,880 |
| Cost of funding earning assets | 1.5631% | 5,870 |
| Net interest margin | 3.6848% | 4,017 |
| Noninterest income to average assets | 0.2530% | 6,472 |
| Noninterest expense to average assets | 2.4744% | 6,205 |
| Loan and lease loss provision to assets | 0.1720% | 5,346 |
| Net operating income to assets | 1.0677% | 1,881 |
| Return on assets (ROA) | 1.0677% | 1,956 |
| Pretax return on assets | 1.0778% | 2,707 |
| Return on Equity (ROE) | 8.5471% | 2,546 |
| Retained earnings to average equity (ytd only) | 4.4964% | 2,795 |
| Net charge-offs to loans | 0.2293% | 4,062 |
| Credit loss provision to net charge-offs | 154.5455% | 2,973 |
| Earnings coverage of net charge-offs (x) | 11.2273% | 1,923 |
| Efficiency ratio | 66.4402% | 5,466 |
| Assets per employee ($millions) | 3.3867% | 5,099 |
| Cash dividends to net income (ytd only)* | 47.3934% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7085% | 2,313 |
| Loan loss allowance to noncurrent loans | 34.9206% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 2.3253% | 2,795 |
| Noncurrent loans to loans | 4.8926% | 1,275 |
| Net loans and leases to total assets | 46.7151% | 7,147 |
| Net loans and leases to deposits | 54.2661% | 7,257 |
| Net loans and leases to core deposits | 62.3113% | 7,370 |
| Total domestic deposits to total assets | 86.0851% | 2,740 |
| Equity capital to assets | 12.3351% | 2,010 |
| Core capital (leverage) ratio | 12.0089% | 1,826 |
| Tier 1 risk-based capital ratio | 20.4657% | 1,491 |
| Total risk-based capital ratio | 21.6726% | 1,463 |
| Memoranda: | ||
| Average total assets | $39,524,330 | 7,230 |
| Average earning assets | $37,233,670 | 7,168 |
| Average equity | $4,937,330 | 7,086 |
| Average total loans | $19,187,330 | 7,386 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4011% | 5,423 |
| Cost of funding earning assets | 1.6661% | 5,757 |
| Net interest margin | 3.7350% | 3,736 |
| Noninterest income to average assets | 0.2361% | 6,570 |
| Noninterest expense to average assets | 2.5971% | 5,460 |
| Loan and lease loss provision to assets | 0.0411% | 6,455 |
| Net operating income to assets | 1.0881% | 2,003 |
| Return on assets (ROA) | 1.0881% | 2,131 |
| Pretax return on assets | 1.1189% | 2,915 |
| Return on Equity (ROE) | 8.6539% | 2,859 |
| Retained earnings to average equity (ytd only) | 4.5719% | 3,388 |
| Net charge-offs to loans | -0.0418% | 7,648 |
| Credit loss provision to net charge-offs | -200.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1257% | 4,751 |
| Assets per employee ($millions) | 3.2187% | 5,551 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6953% | 2,164 |
| Loan loss allowance to noncurrent loans | 75.5245% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.1107% | 4,467 |
| Noncurrent loans to loans | 2.2447% | 2,936 |
| Net loans and leases to total assets | 48.6433% | 6,972 |
| Net loans and leases to deposits | 56.4883% | 7,134 |
| Net loans and leases to core deposits | 67.7851% | 7,146 |
| Total domestic deposits to total assets | 86.1123% | 2,652 |
| Equity capital to assets | 12.8133% | 1,829 |
| Core capital (leverage) ratio | 12.0417% | 1,881 |
| Tier 1 risk-based capital ratio | 20.6649% | 1,494 |
| Total risk-based capital ratio | 21.9153% | 1,469 |
| Memoranda: | ||
| Average total assets | $38,966,500 | 7,299 |
| Average earning assets | $36,733,500 | 7,229 |
| Average equity | $4,899,500 | 7,147 |
| Average total loans | $19,123,500 | 7,429 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0407% | 5,352 |
| Cost of funding earning assets | 2.5716% | 3,840 |
| Net interest margin | 3.4691% | 5,406 |
| Noninterest income to average assets | 0.2387% | 6,740 |
| Noninterest expense to average assets | 2.8203% | 4,737 |
| Loan and lease loss provision to assets | 0.0334% | 6,987 |
| Net operating income to assets | 0.5774% | 4,407 |
| Return on assets (ROA) | 0.5774% | 4,273 |
| Pretax return on assets | 0.6185% | 4,631 |
| Return on Equity (ROE) | 4.7520% | 4,496 |
| Retained earnings to average equity (ytd only) | 0.5280% | 4,920 |
| Net charge-offs to loans | 0.0522% | 6,043 |
| Credit loss provision to net charge-offs | 130.0000% | 4,089 |
| Earnings coverage of net charge-offs (x) | 25.4000% | 1,333 |
| Efficiency ratio | 81.2269% | 2,407 |
| Assets per employee ($millions) | 3.2758% | 5,275 |
| Cash dividends to net income (ytd only)* | 88.8889% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6619% | 2,024 |
| Loan loss allowance to noncurrent loans | 447.8873% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 6,841 |
| Noncurrent loans to loans | 0.3710% | 6,245 |
| Net loans and leases to total assets | 47.8694% | 7,197 |
| Net loans and leases to deposits | 55.3685% | 7,363 |
| Net loans and leases to core deposits | 62.7442% | 7,486 |
| Total domestic deposits to total assets | 86.4560% | 2,190 |
| Equity capital to assets | 12.3381% | 2,092 |
| Core capital (leverage) ratio | 12.0850% | 1,922 |
| Tier 1 risk-based capital ratio | 20.7857% | 1,486 |
| Total risk-based capital ratio | 22.0360% | 1,467 |
| Memoranda: | ||
| Average total assets | $38,966,800 | 7,263 |
| Average earning assets | $36,320,400 | 7,229 |
| Average equity | $4,734,800 | 7,236 |
| Average total loans | $19,165,000 | 7,390 |