Home > The First and Farmers Bank > Performance and Condition Ratios
The First and Farmers Bank, Performance and Condition Ratios
| 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 | 4.7895% | 2,157 |
| Cost of funding earning assets | 0.6408% | 3,499 |
| Net interest margin | 4.1487% | 1,505 |
| Noninterest income to average assets | 0.2817% | 4,058 |
| Noninterest expense to average assets | 3.5808% | 870 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.1471% | 4,985 |
| Return on assets (ROA) | 0.0698% | 5,055 |
| Pretax return on assets | 0.3865% | 4,823 |
| Return on Equity (ROE) | 0.5628% | 5,045 |
| Retained earnings to average equity (ytd only) | 0.5628% | 4,651 |
| Net charge-offs to loans | -0.0032% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3242% | 979 |
| Assets per employee ($millions) | 4.5172% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4823% | 4,991 |
| Loan loss allowance to noncurrent loans | 162.1212% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 3,683 |
| Noncurrent loans to loans | 0.2975% | 3,473 |
| Net loans and leases to total assets | 75.1971% | 1,618 |
| Net loans and leases to deposits | 90.3211% | 1,660 |
| Net loans and leases to core deposits | 111.8122% | 854 |
| Total domestic deposits to total assets | 83.2553% | 3,076 |
| Equity capital to assets | 12.3376% | 2,016 |
| Core capital (leverage) ratio | 9.7022% | 3,970 |
| Tier 1 risk-based capital ratio | 10.7133% | 5,014 |
| Total risk-based capital ratio | 11.1376% | 5,166 |
| Memoranda: | ||
| Average total assets | $57,267,750 | 4,699 |
| Average earning assets | $52,224,250 | 4,705 |
| Average equity | $7,106,750 | 4,681 |
| Average total loans | $41,578,500 | 4,428 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8064% | 2,040 |
| Cost of funding earning assets | 0.5577% | 3,850 |
| Net interest margin | 4.2487% | 1,242 |
| Noninterest income to average assets | 0.2712% | 4,123 |
| Noninterest expense to average assets | 3.8145% | 650 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0322% | 5,088 |
| Return on assets (ROA) | -0.1515% | 5,142 |
| Pretax return on assets | 0.0881% | 5,078 |
| Return on Equity (ROE) | -1.2180% | 5,147 |
| Retained earnings to average equity (ytd only) | -1.2180% | 4,849 |
| Net charge-offs to loans | 0.0049% | 2,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 742 |
| Efficiency ratio | 83.6457% | 679 |
| Assets per employee ($millions) | 4.3716% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4947% | 5,028 |
| Loan loss allowance to noncurrent loans | 48.6239% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 0.7672% | 1,813 |
| Noncurrent loans to loans | 1.0174% | 1,613 |
| Net loans and leases to total assets | 75.0348% | 1,717 |
| Net loans and leases to deposits | 89.0362% | 1,857 |
| Net loans and leases to core deposits | 104.0733% | 1,383 |
| Total domestic deposits to total assets | 84.2744% | 2,763 |
| Equity capital to assets | 12.5495% | 1,828 |
| Core capital (leverage) ratio | 9.8612% | 3,744 |
| Tier 1 risk-based capital ratio | 11.3326% | 4,774 |
| Total risk-based capital ratio | 11.7855% | 5,008 |
| Memoranda: | ||
| Average total assets | $56,782,670 | 4,742 |
| Average earning assets | $51,639,670 | 4,749 |
| Average equity | $7,060,670 | 4,717 |
| Average total loans | $40,647,330 | 4,483 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4345% | 3,100 |
| Cost of funding earning assets | 0.5039% | 4,040 |
| Net interest margin | 3.9305% | 2,090 |
| Noninterest income to average assets | 0.2748% | 4,044 |
| Noninterest expense to average assets | 4.0664% | 490 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.2960% | 5,225 |
| Return on assets (ROA) | -0.2608% | 5,215 |
| Pretax return on assets | -0.1832% | 5,194 |
| Return on Equity (ROE) | -2.1068% | 5,217 |
| Retained earnings to average equity (ytd only) | -2.1068% | 4,752 |
| Net charge-offs to loans | -0.0101% | 4,233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3370% | 221 |
| Assets per employee ($millions) | 4.2559% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5415% | 5,032 |
| 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 | 71.0467% | 2,318 |
| Net loans and leases to deposits | 83.3998% | 2,451 |
| Net loans and leases to core deposits | 90.3591% | 2,456 |
| Total domestic deposits to total assets | 85.1881% | 2,607 |
| Equity capital to assets | 12.7677% | 1,585 |
| Core capital (leverage) ratio | 9.7125% | 3,904 |
| Tier 1 risk-based capital ratio | 12.2860% | 4,307 |
| Total risk-based capital ratio | 12.7857% | 4,613 |
| Memoranda: | ||
| Average total assets | $56,758,500 | 4,794 |
| Average earning assets | $51,596,000 | 4,805 |
| Average equity | $7,025,000 | 4,750 |
| Average total loans | $39,543,500 | 4,559 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4290% | 2,663 |
| Cost of funding earning assets | 0.4102% | 3,926 |
| Net interest margin | 4.0189% | 1,927 |
| Noninterest income to average assets | 0.3232% | 3,938 |
| Noninterest expense to average assets | 3.1298% | 1,727 |
| Loan and lease loss provision to assets | 0.3660% | 402 |
| Net operating income to assets | 0.1982% | 5,110 |
| Return on assets (ROA) | 0.1982% | 5,107 |
| Pretax return on assets | 0.4660% | 4,848 |
| Return on Equity (ROE) | 1.6040% | 5,094 |
| Retained earnings to average equity (ytd only) | 1.6040% | 4,498 |
| Net charge-offs to loans | -0.0106% | 4,507 |
| Credit loss provision to net charge-offs | -5,125.0000% | 4,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0401% | 2,379 |
| Assets per employee ($millions) | 4.4762% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5384% | 5,079 |
| 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 | 67.6267% | 2,929 |
| Net loans and leases to deposits | 78.6977% | 3,076 |
| Net loans and leases to core deposits | 84.8579% | 3,010 |
| Total domestic deposits to total assets | 85.9323% | 2,266 |
| Equity capital to assets | 12.0055% | 1,889 |
| Core capital (leverage) ratio | 9.7697% | 3,838 |
| Tier 1 risk-based capital ratio | 12.3424% | 4,217 |
| Total risk-based capital ratio | 12.8435% | 4,569 |
| Memoranda: | ||
| Average total assets | $56,009,600 | 4,833 |
| Average earning assets | $50,710,800 | 4,839 |
| Average equity | $6,920,400 | 4,761 |
| Average total loans | $37,665,800 | 4,619 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 2,667 |
| Cost of funding earning assets | 0.3827% | 3,978 |
| Net interest margin | 4.0051% | 1,940 |
| Noninterest income to average assets | 0.3173% | 4,029 |
| Noninterest expense to average assets | 3.1250% | 1,702 |
| Loan and lease loss provision to assets | 0.3726% | 353 |
| Net operating income to assets | 0.1178% | 5,244 |
| Return on assets (ROA) | 0.1178% | 5,238 |
| Pretax return on assets | 0.4423% | 4,981 |
| Return on Equity (ROE) | 0.9463% | 5,240 |
| Retained earnings to average equity (ytd only) | 0.9463% | 4,866 |
| Net charge-offs to loans | -0.0179% | 4,596 |
| Credit loss provision to net charge-offs | -3,100.0000% | 4,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9445% | 2,365 |
| Assets per employee ($millions) | 4.5324% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4178% | 5,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.8693% | 2,347 |
| Net loans and leases to deposits | 89.3463% | 1,976 |
| Net loans and leases to core deposits | 92.7995% | 2,407 |
| Total domestic deposits to total assets | 80.4391% | 4,010 |
| Equity capital to assets | 12.6202% | 1,513 |
| Core capital (leverage) ratio | 9.9228% | 3,715 |
| Tier 1 risk-based capital ratio | 12.4561% | 4,219 |
| Total risk-based capital ratio | 12.8552% | 4,618 |
| Memoranda: | ||
| Average total assets | $55,464,500 | 4,898 |
| Average earning assets | $50,168,000 | 4,905 |
| Average equity | $6,904,000 | 4,811 |
| Average total loans | $37,191,000 | 4,678 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 2,926 |
| Cost of funding earning assets | 0.3331% | 4,180 |
| Net interest margin | 3.9216% | 2,134 |
| Noninterest income to average assets | 0.3475% | 3,847 |
| Noninterest expense to average assets | 3.1958% | 1,540 |
| Loan and lease loss provision to assets | 0.3583% | 358 |
| Net operating income to assets | 0.0394% | 5,323 |
| Return on assets (ROA) | 0.0394% | 5,316 |
| Pretax return on assets | 0.3368% | 5,122 |
| Return on Equity (ROE) | 0.3180% | 5,319 |
| Retained earnings to average equity (ytd only) | -0.4337% | 5,021 |
| Net charge-offs to loans | -0.0110% | 4,344 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1786% | 2,129 |
| Assets per employee ($millions) | 4.4742% | 3,161 |
| Cash dividends to net income (ytd only)* | 236.3636% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2805% | 5,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 3,554 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 70.1769% | 2,555 |
| Net loans and leases to deposits | 82.5584% | 2,708 |
| Net loans and leases to core deposits | 84.4609% | 3,043 |
| Total domestic deposits to total assets | 85.0028% | 2,671 |
| Equity capital to assets | 12.8087% | 1,388 |
| Core capital (leverage) ratio | 9.7499% | 3,840 |
| Tier 1 risk-based capital ratio | 11.6327% | 4,728 |
| Total risk-based capital ratio | 11.8795% | 5,115 |
| Memoranda: | ||
| Average total assets | $55,823,330 | 4,948 |
| Average earning assets | $50,438,000 | 4,958 |
| Average equity | $6,917,330 | 4,857 |
| Average total loans | $36,503,670 | 4,737 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1383% | 3,094 |
| Cost of funding earning assets | 0.3177% | 4,209 |
| Net interest margin | 3.8206% | 2,333 |
| Noninterest income to average assets | 0.3516% | 3,794 |
| Noninterest expense to average assets | 2.9953% | 2,076 |
| Loan and lease loss provision to assets | 0.3516% | 346 |
| Net operating income to assets | 0.1828% | 5,262 |
| Return on assets (ROA) | 0.1828% | 5,258 |
| Pretax return on assets | 0.4711% | 4,917 |
| Return on Equity (ROE) | 1.4991% | 5,255 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,803 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9300% | 3,167 |
| Assets per employee ($millions) | 4.6427% | 2,938 |
| Cash dividends to net income (ytd only)* | 100.0000% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1570% | 5,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 3,694 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 61.6366% | 3,592 |
| Net loans and leases to deposits | 71.4339% | 3,665 |
| Net loans and leases to core deposits | 73.0166% | 3,881 |
| Total domestic deposits to total assets | 86.2848% | 2,405 |
| Equity capital to assets | 12.3815% | 1,561 |
| Core capital (leverage) ratio | 9.4022% | 4,187 |
| Tier 1 risk-based capital ratio | 12.5183% | 4,227 |
| Total risk-based capital ratio | 12.6593% | 4,813 |
| Memoranda: | ||
| Average total assets | $56,890,000 | 4,983 |
| Average earning assets | $51,615,000 | 4,995 |
| Average equity | $6,937,500 | 4,904 |
| Average total loans | $35,863,500 | 4,803 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5128% | 5,663 |
| Cost of funding earning assets | 0.0398% | 5,626 |
| Net interest margin | 0.4731% | 5,661 |
| Noninterest income to average assets | 0.0515% | 5,530 |
| Noninterest expense to average assets | 0.3369% | 5,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1528% | 5,194 |
| Return on assets (ROA) | 0.1528% | 5,200 |
| Pretax return on assets | 0.1528% | 5,350 |
| Return on Equity (ROE) | 1.7612% | 5,100 |
| Retained earnings to average equity (ytd only) | 1.7612% | 4,262 |
| Net charge-offs to loans | -0.0115% | 4,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7970% | 2,748 |
| Assets per employee ($millions) | 4.8390% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0107% | 5,618 |
| Loan loss allowance to noncurrent loans | 0.8850% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 2,003 |
| Noncurrent loans to loans | 1.2107% | 1,464 |
| Net loans and leases to total assets | 64.2867% | 3,340 |
| Net loans and leases to deposits | 74.7737% | 3,448 |
| Net loans and leases to core deposits | 76.3676% | 3,711 |
| Total domestic deposits to total assets | 85.9751% | 2,450 |
| Equity capital to assets | 12.0152% | 1,828 |
| Core capital (leverage) ratio | 9.9605% | 3,506 |
| Tier 1 risk-based capital ratio | 12.1506% | 4,427 |
| Total risk-based capital ratio | 12.1644% | 5,080 |
| Memoranda: | ||
| Average total assets | $54,324,400 | 5,070 |
| Average earning assets | $50,308,400 | 5,056 |
| Average equity | $4,712,600 | 5,316 |
| Average total loans | $34,885,200 | 4,873 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0011% | 3,354 |
| Cost of funding earning assets | 0.3245% | 3,896 |
| Net interest margin | 3.6766% | 2,835 |
| Noninterest income to average assets | 0.3271% | 4,195 |
| Noninterest expense to average assets | 2.9569% | 2,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6643% | 4,140 |
| Return on assets (ROA) | 0.6643% | 4,195 |
| Pretax return on assets | 0.7942% | 4,364 |
| Return on Equity (ROE) | 8.5532% | 2,836 |
| Retained earnings to average equity (ytd only) | 1.8006% | 4,708 |
| Net charge-offs to loans | -0.0428% | 5,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8282% | 1,235 |
| Assets per employee ($millions) | 4.5378% | 3,077 |
| Cash dividends to net income (ytd only)* | 78.9460% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 1,522 |
| Loan loss allowance to noncurrent loans | 275.8065% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 3,536 |
| Noncurrent loans to loans | 0.5452% | 3,064 |
| Net loans and leases to total assets | 67.3251% | 2,944 |
| Net loans and leases to deposits | 75.9973% | 3,377 |
| Net loans and leases to core deposits | 77.8295% | 3,654 |
| Total domestic deposits to total assets | 88.5888% | 1,077 |
| Equity capital to assets | 8.4121% | 5,337 |
| Core capital (leverage) ratio | 7.9444% | 5,528 |
| Tier 1 risk-based capital ratio | 10.9875% | 5,253 |
| Total risk-based capital ratio | 12.2437% | 5,142 |
| Memoranda: | ||
| Average total assets | $53,388,500 | 5,152 |
| Average earning assets | $49,718,000 | 5,125 |
| Average equity | $4,146,500 | 5,462 |
| Average total loans | $34,273,000 | 4,941 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 3,608 |
| Cost of funding earning assets | 0.3270% | 3,832 |
| Net interest margin | 3.5573% | 3,193 |
| Noninterest income to average assets | 0.3117% | 4,307 |
| Noninterest expense to average assets | 2.9810% | 2,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6417% | 4,122 |
| Return on assets (ROA) | 0.6417% | 4,169 |
| Pretax return on assets | 0.6417% | 4,713 |
| Return on Equity (ROE) | 8.4766% | 2,784 |
| Retained earnings to average equity (ytd only) | -1.6953% | 5,320 |
| Net charge-offs to loans | -0.0524% | 5,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2874% | 976 |
| Assets per employee ($millions) | 4.6167% | 2,917 |
| Cash dividends to net income (ytd only)* | 120.0000% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 1,657 |
| Loan loss allowance to noncurrent loans | 237.6744% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4234% | 3,424 |
| Noncurrent loans to loans | 0.6216% | 2,870 |
| Net loans and leases to total assets | 67.1018% | 2,935 |
| Net loans and leases to deposits | 74.8780% | 3,457 |
| Net loans and leases to core deposits | 76.6309% | 3,716 |
| Total domestic deposits to total assets | 89.6148% | 676 |
| Equity capital to assets | 8.1148% | 5,482 |
| Core capital (leverage) ratio | 7.5075% | 5,655 |
| Tier 1 risk-based capital ratio | 10.4016% | 5,507 |
| Total risk-based capital ratio | 11.6577% | 5,429 |
| Memoranda: | ||
| Average total assets | $54,546,000 | 5,163 |
| Average earning assets | $50,768,330 | 5,143 |
| Average equity | $4,129,000 | 5,505 |
| Average total loans | $34,324,330 | 4,974 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7535% | 3,918 |
| Cost of funding earning assets | 0.3343% | 3,711 |
| Net interest margin | 3.4192% | 3,576 |
| Noninterest income to average assets | 0.2694% | 4,615 |
| Noninterest expense to average assets | 2.7434% | 2,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7160% | 3,631 |
| Return on assets (ROA) | 0.7160% | 3,672 |
| Pretax return on assets | 0.7160% | 4,397 |
| Return on Equity (ROE) | 9.7750% | 2,073 |
| Retained earnings to average equity (ytd only) | 9.7750% | 867 |
| Net charge-offs to loans | 0.0936% | 1,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 12.6250% | 1,833 |
| Efficiency ratio | 79.3033% | 1,450 |
| Assets per employee ($millions) | 4.7070% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 1,638 |
| Loan loss allowance to noncurrent loans | 154.8589% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 2,970 |
| Noncurrent loans to loans | 0.9794% | 2,090 |
| Net loans and leases to total assets | 56.7895% | 4,089 |
| Net loans and leases to deposits | 61.9857% | 4,432 |
| Net loans and leases to core deposits | 66.6854% | 4,383 |
| Total domestic deposits to total assets | 91.6171% | 161 |
| Equity capital to assets | 7.4534% | 5,690 |
| Core capital (leverage) ratio | 7.1552% | 5,757 |
| Tier 1 risk-based capital ratio | 10.6745% | 5,467 |
| Total risk-based capital ratio | 11.9285% | 5,384 |
| Memoranda: | ||
| Average total assets | $56,427,000 | 5,183 |
| Average earning assets | $52,643,500 | 5,162 |
| Average equity | $4,133,000 | 5,559 |
| Average total loans | $34,192,500 | 5,024 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 3,411 |
| Cost of funding earning assets | 0.3504% | 3,514 |
| Net interest margin | 3.5923% | 3,094 |
| Noninterest income to average assets | 0.3831% | 4,012 |
| Noninterest expense to average assets | 3.0575% | 2,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4466% | 4,809 |
| Return on assets (ROA) | 0.4466% | 4,889 |
| Pretax return on assets | 0.6572% | 4,629 |
| Return on Equity (ROE) | 5.8137% | 4,070 |
| Retained earnings to average equity (ytd only) | 1.0635% | 4,890 |
| Net charge-offs to loans | -0.1106% | 5,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3069% | 1,172 |
| Assets per employee ($millions) | 4.6975% | 2,791 |
| Cash dividends to net income (ytd only)* | 81.7073% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 2,071 |
| Loan loss allowance to noncurrent loans | 207.4380% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 3,552 |
| Noncurrent loans to loans | 0.6757% | 2,841 |
| Net loans and leases to total assets | 62.6432% | 3,520 |
| Net loans and leases to deposits | 68.2819% | 4,064 |
| Net loans and leases to core deposits | 73.4504% | 3,964 |
| Total domestic deposits to total assets | 91.7421% | 135 |
| Equity capital to assets | 7.1953% | 5,778 |
| Core capital (leverage) ratio | 6.9227% | 5,817 |
| Tier 1 risk-based capital ratio | 9.8626% | 5,771 |
| Total risk-based capital ratio | 11.1075% | 5,741 |
| Memoranda: | ||
| Average total assets | $55,078,200 | 5,242 |
| Average earning assets | $51,081,600 | 5,225 |
| Average equity | $4,231,400 | 5,605 |
| Average total loans | $36,150,200 | 5,015 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0266% | 3,124 |
| Cost of funding earning assets | 0.3598% | 3,436 |
| Net interest margin | 3.6667% | 2,839 |
| Noninterest income to average assets | 0.3774% | 4,084 |
| Noninterest expense to average assets | 2.8806% | 2,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6088% | 4,261 |
| Return on assets (ROA) | 0.6088% | 4,374 |
| Pretax return on assets | 0.8961% | 3,988 |
| Return on Equity (ROE) | 7.7967% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.7967% | 1,258 |
| Net charge-offs to loans | -0.1730% | 5,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2734% | 1,940 |
| Assets per employee ($millions) | 4.4858% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 2,220 |
| Loan loss allowance to noncurrent loans | 105.1653% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 2,310 |
| Noncurrent loans to loans | 1.3284% | 1,665 |
| Net loans and leases to total assets | 66.7416% | 2,996 |
| Net loans and leases to deposits | 76.5642% | 3,345 |
| Net loans and leases to core deposits | 78.2945% | 3,634 |
| Total domestic deposits to total assets | 87.1707% | 1,815 |
| Equity capital to assets | 8.2185% | 5,664 |
| Core capital (leverage) ratio | 7.5779% | 5,818 |
| Tier 1 risk-based capital ratio | 10.3116% | 5,699 |
| Total risk-based capital ratio | 11.5642% | 5,625 |
| Memoranda: | ||
| Average total assets | $54,755,250 | 5,296 |
| Average earning assets | $50,761,750 | 5,284 |
| Average equity | $4,275,250 | 5,657 |
| Average total loans | $36,234,250 | 5,057 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 3,424 |
| Cost of funding earning assets | 0.3417% | 3,658 |
| Net interest margin | 3.6092% | 3,067 |
| Noninterest income to average assets | 0.3741% | 4,071 |
| Noninterest expense to average assets | 2.9130% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6356% | 4,116 |
| Return on assets (ROA) | 0.6356% | 4,260 |
| Pretax return on assets | 0.7991% | 4,280 |
| Return on Equity (ROE) | 8.2827% | 2,843 |
| Retained earnings to average equity (ytd only) | 8.2827% | 1,080 |
| Net charge-offs to loans | -0.2488% | 5,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4736% | 1,715 |
| Assets per employee ($millions) | 4.6482% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 2,401 |
| Loan loss allowance to noncurrent loans | 268.2540% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 4,134 |
| Noncurrent loans to loans | 0.5132% | 3,549 |
| Net loans and leases to total assets | 65.1117% | 3,214 |
| Net loans and leases to deposits | 75.9791% | 3,385 |
| Net loans and leases to core deposits | 77.6656% | 3,668 |
| Total domestic deposits to total assets | 85.6969% | 2,558 |
| Equity capital to assets | 7.8454% | 5,848 |
| Core capital (leverage) ratio | 7.5201% | 5,878 |
| Tier 1 risk-based capital ratio | 10.5858% | 5,633 |
| Total risk-based capital ratio | 11.8360% | 5,550 |
| Memoranda: | ||
| Average total assets | $55,063,670 | 5,349 |
| Average earning assets | $50,925,670 | 5,337 |
| Average equity | $4,225,670 | 5,727 |
| Average total loans | $36,167,000 | 5,101 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 3,269 |
| Cost of funding earning assets | 0.3348% | 3,780 |
| Net interest margin | 3.6510% | 2,886 |
| Noninterest income to average assets | 0.3948% | 3,871 |
| Noninterest expense to average assets | 2.7858% | 3,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7970% | 3,267 |
| Return on assets (ROA) | 0.7970% | 3,376 |
| Pretax return on assets | 0.9578% | 3,630 |
| Return on Equity (ROE) | 10.5048% | 1,780 |
| Retained earnings to average equity (ytd only) | 10.5048% | 742 |
| Net charge-offs to loans | 0.0223% | 2,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 65.5000% | 732 |
| Efficiency ratio | 74.4141% | 2,409 |
| Assets per employee ($millions) | 4.8315% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 2,754 |
| Loan loss allowance to noncurrent loans | 794.8276% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 5,139 |
| Noncurrent loans to loans | 0.1675% | 4,822 |
| Net loans and leases to total assets | 64.2814% | 3,208 |
| Net loans and leases to deposits | 70.8673% | 3,772 |
| Net loans and leases to core deposits | 72.4253% | 4,035 |
| Total domestic deposits to total assets | 90.7067% | 360 |
| Equity capital to assets | 7.9874% | 5,830 |
| Core capital (leverage) ratio | 7.3365% | 5,955 |
| Tier 1 risk-based capital ratio | 10.7159% | 5,656 |
| Total risk-based capital ratio | 11.9360% | 5,581 |
| Memoranda: | ||
| Average total assets | $54,706,500 | 5,406 |
| Average earning assets | $50,178,000 | 5,401 |
| Average equity | $4,150,500 | 5,780 |
| Average total loans | $35,838,000 | 5,150 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 3,065 |
| Cost of funding earning assets | 0.4260% | 2,887 |
| Net interest margin | 3.6358% | 2,994 |
| Noninterest income to average assets | 0.4050% | 3,996 |
| Noninterest expense to average assets | 2.9705% | 2,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6414% | 4,076 |
| Return on assets (ROA) | 0.6414% | 4,167 |
| Pretax return on assets | 0.7972% | 4,198 |
| Return on Equity (ROE) | 8.7169% | 2,616 |
| Retained earnings to average equity (ytd only) | 3.0883% | 3,859 |
| Net charge-offs to loans | 0.0494% | 3,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 24.1667% | 1,693 |
| Efficiency ratio | 78.8424% | 1,838 |
| Assets per employee ($millions) | 5.1152% | 2,224 |
| Cash dividends to net income (ytd only)* | 64.5714% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 3,193 |
| Loan loss allowance to noncurrent loans | 855.5556% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 5,237 |
| Noncurrent loans to loans | 0.1457% | 4,910 |
| Net loans and leases to total assets | 65.0292% | 3,120 |
| Net loans and leases to deposits | 71.2048% | 3,797 |
| Net loans and leases to core deposits | 72.6699% | 4,073 |
| Total domestic deposits to total assets | 91.3271% | 206 |
| Equity capital to assets | 7.2085% | 6,028 |
| Core capital (leverage) ratio | 7.2794% | 6,018 |
| Tier 1 risk-based capital ratio | 9.2073% | 6,084 |
| Total risk-based capital ratio | 10.2870% | 6,091 |
| Memoranda: | ||
| Average total assets | $54,569,400 | 5,441 |
| Average earning assets | $50,470,200 | 5,422 |
| Average equity | $4,015,200 | 5,847 |
| Average total loans | $36,428,800 | 5,137 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 2,923 |
| Cost of funding earning assets | 0.4426% | 2,761 |
| Net interest margin | 3.6599% | 2,925 |
| Noninterest income to average assets | 0.4063% | 4,049 |
| Noninterest expense to average assets | 2.9599% | 2,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6230% | 4,270 |
| Return on assets (ROA) | 0.6230% | 4,382 |
| Pretax return on assets | 0.8471% | 4,186 |
| Return on Equity (ROE) | 8.4225% | 2,859 |
| Retained earnings to average equity (ytd only) | 5.8924% | 2,314 |
| Net charge-offs to loans | 0.0110% | 3,790 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 114.6650% | 558 |
| Efficiency ratio | 77.7490% | 1,976 |
| Assets per employee ($millions) | 5.3613% | 1,894 |
| Cash dividends to net income (ytd only)* | 30.0397% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 3,026 |
| Loan loss allowance to noncurrent loans | 603.7975% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 5,170 |
| Noncurrent loans to loans | 0.2173% | 4,787 |
| Net loans and leases to total assets | 66.9353% | 2,858 |
| Net loans and leases to deposits | 72.7985% | 3,672 |
| Net loans and leases to core deposits | 76.0425% | 3,800 |
| Total domestic deposits to total assets | 91.9460% | 105 |
| Equity capital to assets | 7.7257% | 6,034 |
| Core capital (leverage) ratio | 7.3292% | 6,084 |
| Tier 1 risk-based capital ratio | 10.0644% | 6,021 |
| Total risk-based capital ratio | 11.2825% | 5,987 |
| Memoranda: | ||
| Average total assets | $54,145,000 | 5,524 |
| Average earning assets | $50,309,500 | 5,498 |
| Average equity | $4,005,000 | 5,930 |
| Average total loans | $36,273,000 | 5,204 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0876% | 2,941 |
| Cost of funding earning assets | 0.4511% | 2,708 |
| Net interest margin | 3.6365% | 2,955 |
| Noninterest income to average assets | 0.4234% | 3,901 |
| Noninterest expense to average assets | 2.8865% | 2,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6848% | 3,962 |
| Return on assets (ROA) | 0.6848% | 4,075 |
| Pretax return on assets | 0.9204% | 3,880 |
| Return on Equity (ROE) | 9.3955% | 2,339 |
| Retained earnings to average equity (ytd only) | 5.5565% | 2,505 |
| Net charge-offs to loans | -0.0055% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8221% | 2,394 |
| Assets per employee ($millions) | 4.0886% | 3,705 |
| Cash dividends to net income (ytd only)* | 40.8602% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 3,094 |
| Loan loss allowance to noncurrent loans | 1,551.6129% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 5,629 |
| Noncurrent loans to loans | 0.0856% | 5,398 |
| Net loans and leases to total assets | 67.2543% | 2,757 |
| Net loans and leases to deposits | 76.9365% | 3,170 |
| Net loans and leases to core deposits | 80.5657% | 3,326 |
| Total domestic deposits to total assets | 87.4153% | 1,952 |
| Equity capital to assets | 7.4861% | 6,119 |
| Core capital (leverage) ratio | 7.2165% | 6,150 |
| Tier 1 risk-based capital ratio | 9.8509% | 6,133 |
| Total risk-based capital ratio | 11.0771% | 6,090 |
| Memoranda: | ||
| Average total assets | $54,322,330 | 5,573 |
| Average earning assets | $50,542,670 | 5,550 |
| Average equity | $3,959,330 | 5,998 |
| Average total loans | $36,243,000 | 5,250 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9897% | 3,265 |
| Cost of funding earning assets | 0.4800% | 2,452 |
| Net interest margin | 3.5097% | 3,394 |
| Noninterest income to average assets | 0.4590% | 3,583 |
| Noninterest expense to average assets | 2.6954% | 3,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8159% | 3,180 |
| Return on assets (ROA) | 0.8159% | 3,306 |
| Pretax return on assets | 1.0126% | 3,446 |
| Return on Equity (ROE) | 11.3432% | 1,538 |
| Retained earnings to average equity (ytd only) | 3.7473% | 3,759 |
| Net charge-offs to loans | -0.0221% | 5,093 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6916% | 3,056 |
| Assets per employee ($millions) | 4.2170% | 3,533 |
| Cash dividends to net income (ytd only)* | 66.9643% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 3,093 |
| Loan loss allowance to noncurrent loans | 4,016.6667% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 5,856 |
| Noncurrent loans to loans | 0.0339% | 5,658 |
| Net loans and leases to total assets | 63.7165% | 3,129 |
| Net loans and leases to deposits | 68.9676% | 3,859 |
| Net loans and leases to core deposits | 71.9376% | 3,971 |
| Total domestic deposits to total assets | 92.3861% | 108 |
| Equity capital to assets | 7.3111% | 6,221 |
| Core capital (leverage) ratio | 7.1484% | 6,222 |
| Tier 1 risk-based capital ratio | 10.9311% | 5,836 |
| Total risk-based capital ratio | 10.9311% | 6,209 |
| Memoranda: | ||
| Average total assets | $54,907,500 | 5,617 |
| Average earning assets | $50,831,000 | 5,599 |
| Average equity | $3,949,500 | 6,057 |
| Average total loans | $36,250,500 | 5,288 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 3,607 |
| Cost of funding earning assets | 0.5985% | 1,769 |
| Net interest margin | 3.4305% | 4,063 |
| Noninterest income to average assets | 0.3798% | 4,343 |
| Noninterest expense to average assets | 2.8614% | 3,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5046% | 4,796 |
| Return on assets (ROA) | 0.5046% | 4,879 |
| Pretax return on assets | 0.6909% | 4,658 |
| Return on Equity (ROE) | 7.4791% | 3,383 |
| Retained earnings to average equity (ytd only) | 4.2623% | 3,155 |
| Net charge-offs to loans | -0.0574% | 5,967 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5499% | 1,841 |
| Assets per employee ($millions) | 4.5828% | 2,898 |
| Cash dividends to net income (ytd only)* | 43.0108% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 3,457 |
| Loan loss allowance to noncurrent loans | 2,526.3158% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 5,905 |
| Noncurrent loans to loans | 0.0512% | 5,673 |
| Net loans and leases to total assets | 66.5691% | 2,797 |
| Net loans and leases to deposits | 71.9276% | 3,688 |
| Net loans and leases to core deposits | 75.4234% | 3,773 |
| Total domestic deposits to total assets | 92.5501% | 94 |
| Equity capital to assets | 7.0753% | 6,318 |
| Core capital (leverage) ratio | 6.7767% | 6,340 |
| Tier 1 risk-based capital ratio | 9.6520% | 6,330 |
| Total risk-based capital ratio | 10.8660% | 6,314 |
| Memoranda: | ||
| Average total assets | $55,287,800 | 5,667 |
| Average earning assets | $51,130,200 | 5,643 |
| Average equity | $3,730,400 | 6,139 |
| Average total loans | $36,575,400 | 5,307 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 3,960 |
| Cost of funding earning assets | 0.6164% | 1,710 |
| Net interest margin | 3.3345% | 4,492 |
| Noninterest income to average assets | 0.3540% | 4,608 |
| Noninterest expense to average assets | 2.7937% | 3,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4648% | 5,018 |
| Return on assets (ROA) | 0.4648% | 5,094 |
| Pretax return on assets | 0.6479% | 4,880 |
| Return on Equity (ROE) | 6.9732% | 3,718 |
| Retained earnings to average equity (ytd only) | 2.6375% | 4,714 |
| Net charge-offs to loans | -0.0549% | 5,944 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1756% | 1,730 |
| Assets per employee ($millions) | 4.1004% | 3,668 |
| Cash dividends to net income (ytd only)* | 62.1770% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 4,236 |
| Loan loss allowance to noncurrent loans | 15,800.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 6,183 |
| Noncurrent loans to loans | 0.0076% | 6,012 |
| Net loans and leases to total assets | 68.1009% | 2,521 |
| Net loans and leases to deposits | 77.5844% | 2,995 |
| Net loans and leases to core deposits | 82.4716% | 3,058 |
| Total domestic deposits to total assets | 87.7765% | 1,882 |
| Equity capital to assets | 6.5707% | 6,438 |
| Core capital (leverage) ratio | 6.6854% | 6,421 |
| Tier 1 risk-based capital ratio | 9.0852% | 6,471 |
| Total risk-based capital ratio | 10.2394% | 6,476 |
| Memoranda: | ||
| Average total assets | $55,361,250 | 5,727 |
| Average earning assets | $51,261,250 | 5,699 |
| Average equity | $3,690,250 | 6,217 |
| Average total loans | $36,447,000 | 5,366 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9027% | 4,124 |
| Cost of funding earning assets | 0.6281% | 1,656 |
| Net interest margin | 3.2747% | 4,684 |
| Noninterest income to average assets | 0.3255% | 4,806 |
| Noninterest expense to average assets | 2.8091% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4316% | 5,090 |
| Return on assets (ROA) | 0.4316% | 5,175 |
| Pretax return on assets | 0.5486% | 5,137 |
| Return on Equity (ROE) | 6.4428% | 3,914 |
| Retained earnings to average equity (ytd only) | 1.0374% | 5,345 |
| Net charge-offs to loans | -0.0734% | 6,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6601% | 1,557 |
| Assets per employee ($millions) | 3.8823% | 4,102 |
| Cash dividends to net income (ytd only)* | 83.8983% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 3,710 |
| Loan loss allowance to noncurrent loans | 1,072.7273% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 5,931 |
| Noncurrent loans to loans | 0.1237% | 5,649 |
| Net loans and leases to total assets | 64.5570% | 2,990 |
| Net loans and leases to deposits | 69.4248% | 3,895 |
| Net loans and leases to core deposits | 73.7608% | 3,862 |
| Total domestic deposits to total assets | 92.9883% | 81 |
| Equity capital to assets | 6.8572% | 6,460 |
| Core capital (leverage) ratio | 6.6917% | 6,477 |
| Tier 1 risk-based capital ratio | 9.8996% | 6,426 |
| Total risk-based capital ratio | 11.1512% | 6,390 |
| Memoranda: | ||
| Average total assets | $54,679,670 | 5,796 |
| Average earning assets | $50,631,000 | 5,767 |
| Average equity | $3,663,000 | 6,268 |
| Average total loans | $35,406,670 | 5,444 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9126% | 4,028 |
| Cost of funding earning assets | 0.6547% | 1,560 |
| Net interest margin | 3.2578% | 4,711 |
| Noninterest income to average assets | 0.2844% | 5,096 |
| Noninterest expense to average assets | 2.8736% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3647% | 5,255 |
| Return on assets (ROA) | 0.3647% | 5,321 |
| Pretax return on assets | 0.4230% | 5,375 |
| Return on Equity (ROE) | 5.5081% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.5081% | 2,782 |
| Net charge-offs to loans | -0.0566% | 5,857 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1681% | 1,323 |
| Assets per employee ($millions) | 3.8524% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 3,862 |
| Loan loss allowance to noncurrent loans | 527.2727% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 5,746 |
| Noncurrent loans to loans | 0.2556% | 5,340 |
| Net loans and leases to total assets | 62.9844% | 3,075 |
| Net loans and leases to deposits | 67.7625% | 3,879 |
| Net loans and leases to core deposits | 71.0818% | 3,974 |
| Total domestic deposits to total assets | 92.9488% | 120 |
| Equity capital to assets | 6.8788% | 6,474 |
| Core capital (leverage) ratio | 6.7068% | 6,521 |
| Tier 1 risk-based capital ratio | 10.4790% | 6,340 |
| Total risk-based capital ratio | 11.7303% | 6,301 |
| Memoranda: | ||
| Average total assets | $54,843,500 | 5,850 |
| Average earning assets | $50,708,500 | 5,821 |
| Average equity | $3,631,000 | 6,322 |
| Average total loans | $35,330,000 | 5,498 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6745% | 5,209 |
| Cost of funding earning assets | 0.7447% | 1,530 |
| Net interest margin | 2.9298% | 5,729 |
| Noninterest income to average assets | 0.3958% | 4,479 |
| Noninterest expense to average assets | 2.6766% | 4,187 |
| Loan and lease loss provision to assets | 0.0163% | 4,807 |
| Net operating income to assets | 0.3163% | 5,468 |
| Return on assets (ROA) | 0.3163% | 5,566 |
| Pretax return on assets | 0.3976% | 5,502 |
| Return on Equity (ROE) | 4.7565% | 4,742 |
| Retained earnings to average equity (ytd only) | 0.8969% | 5,433 |
| Net charge-offs to loans | 0.1126% | 3,700 |
| Credit loss provision to net charge-offs | 23.6842% | 4,376 |
| Earnings coverage of net charge-offs (x) | 6.0263% | 3,147 |
| Efficiency ratio | 86.6082% | 1,352 |
| Assets per employee ($millions) | 3.9824% | 3,896 |
| Cash dividends to net income (ytd only)* | 81.1429% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 4,312 |
| Loan loss allowance to noncurrent loans | 433.0189% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 5,737 |
| Noncurrent loans to loans | 0.2926% | 5,307 |
| Net loans and leases to total assets | 64.1526% | 3,018 |
| Net loans and leases to deposits | 72.5762% | 3,447 |
| Net loans and leases to core deposits | 76.1729% | 3,591 |
| Total domestic deposits to total assets | 88.3934% | 1,953 |
| Equity capital to assets | 6.3710% | 6,584 |
| Core capital (leverage) ratio | 6.5808% | 6,585 |
| Tier 1 risk-based capital ratio | 10.7760% | 6,271 |
| Total risk-based capital ratio | 12.0277% | 6,222 |
| Memoranda: | ||
| Average total assets | $55,330,400 | 5,890 |
| Average earning assets | $50,891,200 | 5,869 |
| Average equity | $3,679,200 | 6,396 |
| Average total loans | $33,755,800 | 5,588 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6736% | 5,241 |
| Cost of funding earning assets | 0.7667% | 1,503 |
| Net interest margin | 2.9068% | 5,801 |
| Noninterest income to average assets | 0.3935% | 4,580 |
| Noninterest expense to average assets | 2.5254% | 4,638 |
| Loan and lease loss provision to assets | 0.0217% | 4,570 |
| Net operating income to assets | 0.5191% | 4,722 |
| Return on assets (ROA) | 0.5191% | 4,874 |
| Pretax return on assets | 0.5191% | 5,299 |
| Return on Equity (ROE) | 7.7246% | 3,277 |
| Retained earnings to average equity (ytd only) | 2.6227% | 4,756 |
| Net charge-offs to loans | -0.1046% | 6,507 |
| Credit loss provision to net charge-offs | -34.6154% | 5,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3622% | 1,780 |
| Assets per employee ($millions) | 4.2487% | 3,330 |
| Cash dividends to net income (ytd only)* | 66.0469% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 3,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 61.2894% | 3,479 |
| Net loans and leases to deposits | 67.8927% | 4,072 |
| Net loans and leases to core deposits | 70.8408% | 4,231 |
| Total domestic deposits to total assets | 90.2739% | 855 |
| Equity capital to assets | 6.6862% | 6,613 |
| Core capital (leverage) ratio | 6.6430% | 6,646 |
| Tier 1 risk-based capital ratio | 10.2862% | 6,513 |
| Total risk-based capital ratio | 11.5379% | 6,481 |
| Memoranda: | ||
| Average total assets | $55,224,750 | 5,959 |
| Average earning assets | $50,775,750 | 5,934 |
| Average equity | $3,711,000 | 6,465 |
| Average total loans | $33,138,250 | 5,673 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6311% | 5,351 |
| Cost of funding earning assets | 0.7798% | 1,528 |
| Net interest margin | 2.8513% | 5,893 |
| Noninterest income to average assets | 0.3767% | 4,697 |
| Noninterest expense to average assets | 2.4845% | 4,791 |
| Loan and lease loss provision to assets | 0.0326% | 4,283 |
| Net operating income to assets | 0.4817% | 4,875 |
| Return on assets (ROA) | 0.4817% | 5,056 |
| Pretax return on assets | 0.4817% | 5,432 |
| Return on Equity (ROE) | 7.1563% | 3,510 |
| Retained earnings to average equity (ytd only) | 4.8964% | 3,121 |
| Net charge-offs to loans | -0.0611% | 6,334 |
| Credit loss provision to net charge-offs | -90.0000% | 5,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8502% | 1,782 |
| Assets per employee ($millions) | 4.2908% | 3,188 |
| Cash dividends to net income (ytd only)* | 31.5789% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 3,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 59.1323% | 3,810 |
| Net loans and leases to deposits | 63.4076% | 4,571 |
| Net loans and leases to core deposits | 66.0235% | 4,687 |
| Total domestic deposits to total assets | 93.2574% | 108 |
| Equity capital to assets | 6.5884% | 6,668 |
| Core capital (leverage) ratio | 6.7009% | 6,671 |
| Tier 1 risk-based capital ratio | 10.6534% | 6,460 |
| Total risk-based capital ratio | 11.9062% | 6,432 |
| Memoranda: | ||
| Average total assets | $55,222,000 | 5,992 |
| Average earning assets | $50,783,000 | 5,972 |
| Average equity | $3,717,000 | 6,515 |
| Average total loans | $32,726,000 | 5,725 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6324% | 5,354 |
| Cost of funding earning assets | 0.7903% | 1,585 |
| Net interest margin | 2.8421% | 5,935 |
| Noninterest income to average assets | 0.3786% | 4,633 |
| Noninterest expense to average assets | 2.5335% | 4,637 |
| Loan and lease loss provision to assets | 0.0655% | 3,538 |
| Net operating income to assets | 0.3422% | 5,393 |
| Return on assets (ROA) | 0.3422% | 5,536 |
| Pretax return on assets | 0.3713% | 5,643 |
| Return on Equity (ROE) | 5.0294% | 4,554 |
| Retained earnings to average equity (ytd only) | 0.5350% | 5,614 |
| Net charge-offs to loans | -0.0495% | 6,136 |
| Credit loss provision to net charge-offs | -225.0000% | 5,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2941% | 1,609 |
| Assets per employee ($millions) | 4.2068% | 3,521 |
| Cash dividends to net income (ytd only)* | 89.3617% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 3,302 |
| Loan loss allowance to noncurrent loans | 659.2105% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 6,156 |
| Noncurrent loans to loans | 0.2463% | 5,796 |
| Net loans and leases to total assets | 55.5011% | 4,169 |
| Net loans and leases to deposits | 59.6819% | 4,834 |
| Net loans and leases to core deposits | 62.2026% | 4,936 |
| Total domestic deposits to total assets | 92.9949% | 127 |
| Equity capital to assets | 6.8222% | 6,745 |
| Core capital (leverage) ratio | 6.7652% | 6,700 |
| Tier 1 risk-based capital ratio | 10.7105% | 6,518 |
| Total risk-based capital ratio | 11.9645% | 6,480 |
| Memoranda: | ||
| Average total assets | $54,943,000 | 6,048 |
| Average earning assets | $50,104,500 | 6,049 |
| Average equity | $3,738,000 | 6,580 |
| Average total loans | $32,343,500 | 5,782 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 3,028 |
| Cost of funding earning assets | 0.9570% | 1,601 |
| Net interest margin | 3.6369% | 3,932 |
| Noninterest income to average assets | 0.4832% | 4,020 |
| Noninterest expense to average assets | 2.9476% | 3,477 |
| Loan and lease loss provision to assets | 0.0541% | 5,129 |
| Net operating income to assets | 0.7158% | 3,662 |
| Return on assets (ROA) | 0.7158% | 3,919 |
| Pretax return on assets | 0.7660% | 4,429 |
| Return on Equity (ROE) | 9.5297% | 2,396 |
| Retained earnings to average equity (ytd only) | -1.4682% | 6,087 |
| Net charge-offs to loans | -0.1092% | 6,839 |
| Credit loss provision to net charge-offs | -75.0000% | 6,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2331% | 2,409 |
| Assets per employee ($millions) | 4.5998% | 2,785 |
| Cash dividends to net income (ytd only)* | 115.4062% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 3,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 60.4109% | 3,532 |
| Net loans and leases to deposits | 64.9418% | 4,432 |
| Net loans and leases to core deposits | 67.6369% | 4,579 |
| Total domestic deposits to total assets | 93.0232% | 128 |
| Equity capital to assets | 6.7848% | 6,805 |
| Core capital (leverage) ratio | 7.0199% | 6,695 |
| Tier 1 risk-based capital ratio | 10.6010% | 6,513 |
| Total risk-based capital ratio | 11.8526% | 6,480 |
| Memoranda: | ||
| Average total assets | $49,871,200 | 6,215 |
| Average earning assets | $45,038,800 | 6,206 |
| Average equity | $3,746,200 | 6,624 |
| Average total loans | $32,956,000 | 5,804 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7453% | 2,601 |
| Cost of funding earning assets | 0.9891% | 1,630 |
| Net interest margin | 3.7562% | 3,520 |
| Noninterest income to average assets | 0.4972% | 3,950 |
| Noninterest expense to average assets | 3.0654% | 2,996 |
| Loan and lease loss provision to assets | 0.0742% | 4,732 |
| Net operating income to assets | 0.7581% | 3,661 |
| Return on assets (ROA) | 0.7581% | 3,910 |
| Pretax return on assets | 0.7581% | 4,644 |
| Return on Equity (ROE) | 9.8222% | 2,436 |
| Retained earnings to average equity (ytd only) | -4.7687% | 6,600 |
| Net charge-offs to loans | -0.1548% | 6,945 |
| Credit loss provision to net charge-offs | -71.0526% | 6,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6469% | 2,293 |
| Assets per employee ($millions) | 4.0536% | 3,764 |
| Cash dividends to net income (ytd only)* | 148.5502% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 4,053 |
| Loan loss allowance to noncurrent loans | 2,333.3333% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 6,653 |
| Noncurrent loans to loans | 0.0632% | 6,460 |
| Net loans and leases to total assets | 67.3334% | 2,398 |
| Net loans and leases to deposits | 73.1061% | 3,433 |
| Net loans and leases to core deposits | 76.6045% | 3,661 |
| Total domestic deposits to total assets | 92.1037% | 196 |
| Equity capital to assets | 7.6599% | 6,724 |
| Core capital (leverage) ratio | 7.6063% | 6,559 |
| Tier 1 risk-based capital ratio | 10.8507% | 6,542 |
| Total risk-based capital ratio | 12.1040% | 6,516 |
| Memoranda: | ||
| Average total assets | $48,539,750 | 6,326 |
| Average earning assets | $43,944,250 | 6,311 |
| Average equity | $3,746,500 | 6,707 |
| Average total loans | $32,736,750 | 5,893 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7441% | 2,742 |
| Cost of funding earning assets | 0.9925% | 1,809 |
| Net interest margin | 3.7516% | 3,582 |
| Noninterest income to average assets | 0.5030% | 3,904 |
| Noninterest expense to average assets | 2.9852% | 3,316 |
| Loan and lease loss provision to assets | 0.0742% | 4,697 |
| Net operating income to assets | 0.8411% | 3,192 |
| Return on assets (ROA) | 0.8411% | 3,455 |
| Pretax return on assets | 0.8411% | 4,311 |
| Return on Equity (ROE) | 10.8703% | 2,036 |
| Retained earnings to average equity (ytd only) | -8.7922% | 6,797 |
| Net charge-offs to loans | -0.2272% | 7,023 |
| Credit loss provision to net charge-offs | -48.6486% | 6,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5328% | 2,666 |
| Assets per employee ($millions) | 4.3563% | 3,156 |
| Cash dividends to net income (ytd only)* | 180.8824% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 4,251 |
| Loan loss allowance to noncurrent loans | 571.4286% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 6,356 |
| Noncurrent loans to loans | 0.2536% | 6,069 |
| Net loans and leases to total assets | 68.1170% | 2,275 |
| Net loans and leases to deposits | 77.4805% | 2,756 |
| Net loans and leases to core deposits | 79.4262% | 3,300 |
| Total domestic deposits to total assets | 87.9150% | 2,195 |
| Equity capital to assets | 7.7026% | 6,712 |
| Core capital (leverage) ratio | 7.1611% | 6,763 |
| Tier 1 risk-based capital ratio | 11.6478% | 6,141 |
| Total risk-based capital ratio | 12.9002% | 6,124 |
| Memoranda: | ||
| Average total assets | $48,505,330 | 6,368 |
| Average earning assets | $43,928,000 | 6,353 |
| Average equity | $3,753,330 | 6,742 |
| Average total loans | $32,568,000 | 5,932 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6910% | 3,087 |
| Cost of funding earning assets | 0.9942% | 2,016 |
| Net interest margin | 3.6968% | 3,846 |
| Noninterest income to average assets | 0.5164% | 3,804 |
| Noninterest expense to average assets | 2.9345% | 3,493 |
| Loan and lease loss provision to assets | 0.0738% | 4,480 |
| Net operating income to assets | 0.8607% | 3,102 |
| Return on assets (ROA) | 0.8607% | 3,333 |
| Pretax return on assets | 0.8607% | 4,189 |
| Return on Equity (ROE) | 11.0979% | 1,987 |
| Retained earnings to average equity (ytd only) | -8.6669% | 6,793 |
| Net charge-offs to loans | -0.1363% | 6,892 |
| Credit loss provision to net charge-offs | -81.8182% | 5,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8475% | 2,808 |
| Assets per employee ($millions) | 3.8272% | 4,366 |
| Cash dividends to net income (ytd only)* | 178.0952% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 4,584 |
| Loan loss allowance to noncurrent loans | 156.6901% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 5,465 |
| Noncurrent loans to loans | 0.8969% | 4,872 |
| Net loans and leases to total assets | 62.7467% | 3,110 |
| Net loans and leases to deposits | 68.0538% | 4,048 |
| Net loans and leases to core deposits | 69.1236% | 4,547 |
| Total domestic deposits to total assets | 92.2016% | 226 |
| Equity capital to assets | 7.5552% | 6,756 |
| Core capital (leverage) ratio | 7.3756% | 6,700 |
| Tier 1 risk-based capital ratio | 12.0988% | 5,897 |
| Total risk-based capital ratio | 13.3502% | 5,871 |
| Memoranda: | ||
| Average total assets | $48,798,500 | 6,402 |
| Average earning assets | $44,254,500 | 6,388 |
| Average equity | $3,784,500 | 6,781 |
| Average total loans | $32,291,500 | 5,988 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0098% | 2,838 |
| Cost of funding earning assets | 1.0675% | 2,899 |
| Net interest margin | 3.9423% | 3,148 |
| Noninterest income to average assets | 0.5714% | 3,355 |
| Noninterest expense to average assets | 3.1147% | 3,148 |
| Loan and lease loss provision to assets | 0.3113% | 3,179 |
| Net operating income to assets | 0.6971% | 3,506 |
| Return on assets (ROA) | 0.6971% | 3,688 |
| Pretax return on assets | 0.7355% | 4,209 |
| Return on Equity (ROE) | 8.8450% | 2,521 |
| Retained earnings to average equity (ytd only) | 6.1401% | 1,935 |
| Net charge-offs to loans | 0.6819% | 2,451 |
| Credit loss provision to net charge-offs | 66.3636% | 4,984 |
| Earnings coverage of net charge-offs (x) | 2.2318% | 4,112 |
| Efficiency ratio | 74.8463% | 3,081 |
| Assets per employee ($millions) | 3.9869% | 3,888 |
| Cash dividends to net income (ytd only)* | 30.5810% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 4,955 |
| Loan loss allowance to noncurrent loans | 102.4096% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 4,892 |
| Noncurrent loans to loans | 1.2607% | 4,263 |
| Net loans and leases to total assets | 67.9180% | 2,412 |
| Net loans and leases to deposits | 74.9885% | 3,347 |
| Net loans and leases to core deposits | 76.2376% | 3,952 |
| Total domestic deposits to total assets | 90.5712% | 680 |
| Equity capital to assets | 7.9635% | 6,598 |
| Core capital (leverage) ratio | 7.7528% | 6,492 |
| Tier 1 risk-based capital ratio | 12.5126% | 5,434 |
| Total risk-based capital ratio | 13.7649% | 5,425 |
| Memoranda: | ||
| Average total assets | $46,906,400 | 6,457 |
| Average earning assets | $42,716,600 | 6,432 |
| Average equity | $3,697,000 | 6,830 |
| Average total loans | $32,263,400 | 6,059 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9175% | 3,477 |
| Cost of funding earning assets | 1.0855% | 3,074 |
| Net interest margin | 3.8320% | 3,706 |
| Noninterest income to average assets | 0.5428% | 3,567 |
| Noninterest expense to average assets | 3.0738% | 3,268 |
| Loan and lease loss provision to assets | 0.1057% | 5,123 |
| Net operating income to assets | 0.8627% | 2,899 |
| Return on assets (ROA) | 0.8627% | 3,050 |
| Pretax return on assets | 0.8627% | 3,906 |
| Return on Equity (ROE) | 10.9754% | 1,874 |
| Retained earnings to average equity (ytd only) | 7.3412% | 1,794 |
| Net charge-offs to loans | -0.1412% | 7,218 |
| Credit loss provision to net charge-offs | -108.8235% | 6,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0424% | 2,831 |
| Assets per employee ($millions) | 4.2498% | 3,364 |
| Cash dividends to net income (ytd only)* | 33.1123% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7594% | 3,072 |
| Loan loss allowance to noncurrent loans | 163.7931% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.7444% | 5,298 |
| Noncurrent loans to loans | 1.0741% | 4,765 |
| Net loans and leases to total assets | 68.0842% | 2,480 |
| Net loans and leases to deposits | 74.3853% | 3,604 |
| Net loans and leases to core deposits | 75.6531% | 4,234 |
| Total domestic deposits to total assets | 91.5290% | 290 |
| Equity capital to assets | 8.2014% | 6,563 |
| Core capital (leverage) ratio | 8.2869% | 5,996 |
| Tier 1 risk-based capital ratio | 13.5070% | 4,728 |
| Total risk-based capital ratio | 14.7658% | 4,692 |
| Memoranda: | ||
| Average total assets | $46,672,250 | 6,522 |
| Average earning assets | $42,622,250 | 6,495 |
| Average equity | $3,668,750 | 6,892 |
| Average total loans | $32,099,500 | 6,130 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7587% | 4,255 |
| Cost of funding earning assets | 1.0841% | 3,358 |
| Net interest margin | 3.6746% | 4,383 |
| Noninterest income to average assets | 0.5359% | 3,590 |
| Noninterest expense to average assets | 3.0570% | 3,401 |
| Loan and lease loss provision to assets | 0.0772% | 5,345 |
| Net operating income to assets | 0.7589% | 3,251 |
| Return on assets (ROA) | 0.7589% | 3,380 |
| Pretax return on assets | 0.7589% | 4,180 |
| Return on Equity (ROE) | 9.7961% | 2,192 |
| Retained earnings to average equity (ytd only) | 4.2616% | 3,483 |
| Net charge-offs to loans | -0.1313% | 7,220 |
| Credit loss provision to net charge-offs | -85.7143% | 6,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5242% | 2,627 |
| Assets per employee ($millions) | 3.7682% | 4,275 |
| Cash dividends to net income (ytd only)* | 56.4972% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 3,677 |
| Loan loss allowance to noncurrent loans | 166.0494% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7165% | 5,473 |
| Noncurrent loans to loans | 0.9662% | 5,054 |
| Net loans and leases to total assets | 72.9665% | 1,599 |
| Net loans and leases to deposits | 79.7072% | 2,844 |
| Net loans and leases to core deposits | 81.1122% | 3,636 |
| Total domestic deposits to total assets | 91.5432% | 331 |
| Equity capital to assets | 8.2069% | 6,504 |
| Core capital (leverage) ratio | 7.5971% | 6,672 |
| Tier 1 risk-based capital ratio | 12.1246% | 5,690 |
| Total risk-based capital ratio | 13.3821% | 5,656 |
| Memoranda: | ||
| Average total assets | $46,647,000 | 6,576 |
| Average earning assets | $42,616,330 | 6,556 |
| Average equity | $3,613,670 | 6,952 |
| Average total loans | $32,000,000 | 6,196 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5870% | 5,007 |
| Cost of funding earning assets | 1.0820% | 3,646 |
| Net interest margin | 3.5050% | 4,991 |
| Noninterest income to average assets | 0.5405% | 3,574 |
| Noninterest expense to average assets | 3.1249% | 3,160 |
| Loan and lease loss provision to assets | 0.0760% | 5,048 |
| Net operating income to assets | 0.5405% | 4,315 |
| Return on assets (ROA) | 0.5405% | 4,394 |
| Pretax return on assets | 0.5405% | 4,894 |
| Return on Equity (ROE) | 7.1809% | 3,302 |
| Retained earnings to average equity (ytd only) | 7.1809% | 2,076 |
| Net charge-offs to loans | -0.1665% | 7,223 |
| Credit loss provision to net charge-offs | -69.2308% | 5,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5214% | 2,015 |
| Assets per employee ($millions) | 3.8467% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 3,150 |
| Loan loss allowance to noncurrent loans | 161.8012% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 5,672 |
| Noncurrent loans to loans | 1.0854% | 4,883 |
| Net loans and leases to total assets | 58.2838% | 4,599 |
| Net loans and leases to deposits | 63.0361% | 5,378 |
| Net loans and leases to core deposits | 64.0290% | 5,723 |
| Total domestic deposits to total assets | 92.4611% | 181 |
| Equity capital to assets | 7.2970% | 6,972 |
| Core capital (leverage) ratio | 7.4879% | 6,734 |
| Tier 1 risk-based capital ratio | 13.2333% | 4,630 |
| Total risk-based capital ratio | 14.4958% | 4,601 |
| Memoranda: | ||
| Average total assets | $47,361,500 | 6,601 |
| Average earning assets | $43,253,000 | 6,581 |
| Average equity | $3,565,000 | 6,995 |
| Average total loans | $31,234,000 | 6,278 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5451% | 2,103 |
| Cost of funding earning assets | 1.3160% | 3,779 |
| Net interest margin | 4.2291% | 2,061 |
| Noninterest income to average assets | 0.4787% | 4,324 |
| Noninterest expense to average assets | 3.5812% | 1,973 |
| Loan and lease loss provision to assets | 0.4286% | 3,547 |
| Net operating income to assets | 0.4331% | 4,398 |
| Return on assets (ROA) | 0.4331% | 4,546 |
| Pretax return on assets | 0.2781% | 5,292 |
| Return on Equity (ROE) | 5.4929% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.4929% | 2,117 |
| Net charge-offs to loans | 1.4240% | 1,560 |
| Credit loss provision to net charge-offs | 39.4958% | 6,396 |
| Earnings coverage of net charge-offs (x) | 0.6513% | 5,459 |
| Efficiency ratio | 83.5194% | 1,977 |
| Assets per employee ($millions) | 3.1940% | 5,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 3,891 |
| Loan loss allowance to noncurrent loans | 140.1685% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.7961% | 5,418 |
| Noncurrent loans to loans | 1.0853% | 4,919 |
| Net loans and leases to total assets | 72.2381% | 2,045 |
| Net loans and leases to deposits | 78.6549% | 3,401 |
| Net loans and leases to core deposits | 80.0525% | 4,212 |
| Total domestic deposits to total assets | 91.8418% | 313 |
| Equity capital to assets | 7.7847% | 6,684 |
| Core capital (leverage) ratio | 7.8659% | 6,364 |
| Tier 1 risk-based capital ratio | 12.0623% | 5,413 |
| Total risk-based capital ratio | 13.3168% | 5,393 |
| Memoranda: | ||
| Average total assets | $43,867,600 | 6,738 |
| Average earning assets | $39,512,200 | 6,732 |
| Average equity | $3,459,000 | 7,146 |
| Average total loans | $33,427,400 | 6,241 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6114% | 2,022 |
| Cost of funding earning assets | 1.3424% | 3,959 |
| Net interest margin | 4.2690% | 1,958 |
| Noninterest income to average assets | 0.4764% | 4,362 |
| Noninterest expense to average assets | 3.5153% | 2,004 |
| Loan and lease loss provision to assets | 0.3054% | 4,131 |
| Net operating income to assets | 0.6902% | 3,464 |
| Return on assets (ROA) | 0.6902% | 3,622 |
| Pretax return on assets | 0.4826% | 4,987 |
| Return on Equity (ROE) | 8.7254% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.7254% | 1,150 |
| Net charge-offs to loans | 1.7032% | 1,149 |
| Credit loss provision to net charge-offs | 23.3100% | 6,220 |
| Earnings coverage of net charge-offs (x) | 0.6014% | 5,426 |
| Efficiency ratio | 81.6891% | 2,099 |
| Assets per employee ($millions) | 3.0304% | 6,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 4,704 |
| Loan loss allowance to noncurrent loans | 51.9274% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 2.0790% | 3,365 |
| Noncurrent loans to loans | 2.6036% | 3,022 |
| Net loans and leases to total assets | 78.7696% | 921 |
| Net loans and leases to deposits | 86.1644% | 2,300 |
| Net loans and leases to core deposits | 87.6883% | 3,416 |
| Total domestic deposits to total assets | 91.4178% | 329 |
| Equity capital to assets | 8.2616% | 6,548 |
| Core capital (leverage) ratio | 8.4024% | 5,694 |
| Tier 1 risk-based capital ratio | 11.9009% | 5,552 |
| Total risk-based capital ratio | 13.1529% | 5,527 |
| Memoranda: | ||
| Average total assets | $43,655,500 | 6,831 |
| Average earning assets | $39,133,500 | 6,830 |
| Average equity | $3,453,500 | 7,238 |
| Average total loans | $33,584,000 | 6,312 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4590% | 2,708 |
| Cost of funding earning assets | 1.3255% | 4,376 |
| Net interest margin | 4.1334% | 2,406 |
| Noninterest income to average assets | 0.4856% | 4,230 |
| Noninterest expense to average assets | 3.4040% | 2,253 |
| Loan and lease loss provision to assets | 0.3722% | 3,478 |
| Net operating income to assets | 0.7262% | 3,293 |
| Return on assets (ROA) | 0.7262% | 3,451 |
| Pretax return on assets | 0.4176% | 5,168 |
| Return on Equity (ROE) | 9.3123% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.3123% | 1,005 |
| Net charge-offs to loans | 2.5383% | 674 |
| Credit loss provision to net charge-offs | 19.2941% | 5,862 |
| Earnings coverage of net charge-offs (x) | 0.4094% | 5,317 |
| Efficiency ratio | 81.1688% | 2,274 |
| Assets per employee ($millions) | 2.8583% | 6,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 4,766 |
| Loan loss allowance to noncurrent loans | 49.1694% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 2.1061% | 3,371 |
| Noncurrent loans to loans | 2.7059% | 2,947 |
| Net loans and leases to total assets | 76.8000% | 1,333 |
| Net loans and leases to deposits | 83.9636% | 2,876 |
| Net loans and leases to core deposits | 87.0121% | 3,696 |
| Total domestic deposits to total assets | 91.4682% | 337 |
| Equity capital to assets | 8.2192% | 6,517 |
| Core capital (leverage) ratio | 8.0039% | 6,272 |
| Tier 1 risk-based capital ratio | 11.8710% | 5,424 |
| Total risk-based capital ratio | 13.1231% | 5,395 |
| Memoranda: | ||
| Average total assets | $44,065,670 | 6,860 |
| Average earning assets | $39,531,330 | 6,866 |
| Average equity | $3,436,330 | 7,285 |
| Average total loans | $33,486,670 | 6,362 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7216% | 1,698 |
| Cost of funding earning assets | 1.3026% | 4,797 |
| Net interest margin | 4.4189% | 1,337 |
| Noninterest income to average assets | 0.4657% | 4,331 |
| Noninterest expense to average assets | 3.2422% | 2,726 |
| Loan and lease loss provision to assets | 0.1612% | 4,917 |
| Net operating income to assets | 1.6211% | 715 |
| Return on assets (ROA) | 1.6211% | 764 |
| Pretax return on assets | 1.0121% | 3,048 |
| Return on Equity (ROE) | 21.3412% | 307 |
| Retained earnings to average equity (ytd only) | 21.3412% | 167 |
| Net charge-offs to loans | 2.5042% | 650 |
| Credit loss provision to net charge-offs | 8.5714% | 5,060 |
| Earnings coverage of net charge-offs (x) | 0.6238% | 4,468 |
| Efficiency ratio | 73.4280% | 3,687 |
| Assets per employee ($millions) | 2.8993% | 6,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8133% | 2,697 |
| Loan loss allowance to noncurrent loans | 80.6233% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.6969% | 3,932 |
| Noncurrent loans to loans | 2.2491% | 3,459 |
| Net loans and leases to total assets | 74.0814% | 1,955 |
| Net loans and leases to deposits | 80.7894% | 3,495 |
| Net loans and leases to core deposits | 83.7484% | 4,241 |
| Total domestic deposits to total assets | 91.6969% | 323 |
| Equity capital to assets | 8.0179% | 6,637 |
| Core capital (leverage) ratio | 7.9638% | 6,287 |
| Tier 1 risk-based capital ratio | 11.9078% | 5,294 |
| Total risk-based capital ratio | 13.1664% | 5,239 |
| Memoranda: | ||
| Average total assets | $44,661,000 | 6,930 |
| Average earning assets | $39,919,000 | 6,933 |
| Average equity | $3,392,500 | 7,375 |
| Average total loans | $33,544,000 | 6,434 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5462% | 3,897 |
| Cost of funding earning assets | 1.6552% | 4,763 |
| Net interest margin | 3.8909% | 3,304 |
| Noninterest income to average assets | 0.7564% | 2,636 |
| Noninterest expense to average assets | 3.2286% | 3,280 |
| Loan and lease loss provision to assets | 2.9837% | 584 |
| Net operating income to assets | -1.9467% | 7,070 |
| Return on assets (ROA) | -1.9467% | 7,070 |
| Pretax return on assets | -1.9467% | 6,924 |
| Return on Equity (ROE) | -28.7681% | 7,385 |
| Retained earnings to average equity (ytd only) | -28.7681% | 7,364 |
| Net charge-offs to loans | 3.4609% | 563 |
| Credit loss provision to net charge-offs | 119.1574% | 4,508 |
| Earnings coverage of net charge-offs (x) | 0.4141% | 5,694 |
| Efficiency ratio | 75.6883% | 3,578 |
| Assets per employee ($millions) | 3.0555% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2961% | 1,492 |
| Loan loss allowance to noncurrent loans | 104.7936% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 1.6386% | 3,915 |
| Noncurrent loans to loans | 2.1911% | 3,399 |
| Net loans and leases to total assets | 73.0669% | 2,491 |
| Net loans and leases to deposits | 80.5019% | 3,890 |
| Net loans and leases to core deposits | 91.4099% | 4,961 |
| Total domestic deposits to total assets | 90.7641% | 635 |
| Equity capital to assets | 7.1958% | 7,264 |
| Core capital (leverage) ratio | 7.0507% | 7,198 |
| Tier 1 risk-based capital ratio | 10.8273% | 6,086 |
| Total risk-based capital ratio | 12.0932% | 6,044 |
| Memoranda: | ||
| Average total assets | $50,239,200 | 6,698 |
| Average earning assets | $45,310,400 | 6,708 |
| Average equity | $3,399,600 | 7,474 |
| Average total loans | $36,348,600 | 6,288 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4848% | 4,498 |
| Cost of funding earning assets | 1.7257% | 4,770 |
| Net interest margin | 3.7591% | 3,821 |
| Noninterest income to average assets | 0.8336% | 2,269 |
| Noninterest expense to average assets | 3.1449% | 3,483 |
| Loan and lease loss provision to assets | 3.0462% | 474 |
| Net operating income to assets | -1.9633% | 7,301 |
| Return on assets (ROA) | -1.9633% | 7,302 |
| Pretax return on assets | -1.9633% | 7,163 |
| Return on Equity (ROE) | -29.4298% | 7,594 |
| Retained earnings to average equity (ytd only) | -29.4298% | 7,584 |
| Net charge-offs to loans | 4.5243% | 279 |
| Credit loss provision to net charge-offs | 93.7650% | 5,385 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 5,691 |
| Efficiency ratio | 74.3857% | 3,806 |
| Assets per employee ($millions) | 3.1567% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 4,516 |
| Loan loss allowance to noncurrent loans | 59.3909% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.6642% | 3,875 |
| Noncurrent loans to loans | 2.1856% | 3,397 |
| Net loans and leases to total assets | 75.1536% | 2,211 |
| Net loans and leases to deposits | 83.8679% | 3,672 |
| Net loans and leases to core deposits | 97.8309% | 4,623 |
| Total domestic deposits to total assets | 89.6095% | 920 |
| Equity capital to assets | 6.9439% | 7,620 |
| Core capital (leverage) ratio | 6.9014% | 7,489 |
| Tier 1 risk-based capital ratio | 10.0868% | 6,892 |
| Total risk-based capital ratio | 11.3389% | 6,838 |
| Memoranda: | ||
| Average total assets | $51,341,000 | 6,714 |
| Average earning assets | $46,357,500 | 6,721 |
| Average equity | $3,425,000 | 7,537 |
| Average total loans | $36,867,000 | 6,296 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3107% | 5,604 |
| Cost of funding earning assets | 1.7073% | 5,233 |
| Net interest margin | 3.6034% | 4,344 |
| Noninterest income to average assets | 1.0290% | 1,499 |
| Noninterest expense to average assets | 3.1213% | 3,617 |
| Loan and lease loss provision to assets | 4.1465% | 294 |
| Net operating income to assets | -2.9770% | 7,666 |
| Return on assets (ROA) | -2.9770% | 7,662 |
| Pretax return on assets | -2.9770% | 7,568 |
| Return on Equity (ROE) | -45.1786% | 7,887 |
| Retained earnings to average equity (ytd only) | -45.1786% | 7,877 |
| Net charge-offs to loans | 6.5862% | 149 |
| Credit loss provision to net charge-offs | 89.2886% | 4,946 |
| Earnings coverage of net charge-offs (x) | 0.2518% | 5,422 |
| Efficiency ratio | 72.7434% | 4,261 |
| Assets per employee ($millions) | 2.8594% | 6,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 5,363 |
| Loan loss allowance to noncurrent loans | 53.4106% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 1.6983% | 3,630 |
| Noncurrent loans to loans | 2.1249% | 3,346 |
| Net loans and leases to total assets | 79.0190% | 1,515 |
| Net loans and leases to deposits | 85.3789% | 3,667 |
| Net loans and leases to core deposits | 106.9175% | 3,729 |
| Total domestic deposits to total assets | 92.5510% | 141 |
| Equity capital to assets | 7.1627% | 7,512 |
| Core capital (leverage) ratio | 6.8377% | 7,638 |
| Tier 1 risk-based capital ratio | 9.9067% | 7,034 |
| Total risk-based capital ratio | 11.1560% | 6,965 |
| Memoranda: | ||
| Average total assets | $52,671,000 | 6,715 |
| Average earning assets | $47,677,000 | 6,721 |
| Average equity | $3,470,670 | 7,584 |
| Average total loans | $37,138,000 | 6,335 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9871% | 6,956 |
| Cost of funding earning assets | 1.6492% | 5,817 |
| Net interest margin | 3.3379% | 5,374 |
| Noninterest income to average assets | 1.5535% | 572 |
| Noninterest expense to average assets | 3.1925% | 3,017 |
| Loan and lease loss provision to assets | 0.9692% | 1,339 |
| Net operating income to assets | 0.4062% | 4,833 |
| Return on assets (ROA) | 0.4062% | 5,012 |
| Pretax return on assets | 0.4062% | 5,379 |
| Return on Equity (ROE) | 6.3910% | 3,869 |
| Retained earnings to average equity (ytd only) | 6.3910% | 2,464 |
| Net charge-offs to loans | 2.6507% | 507 |
| Credit loss provision to net charge-offs | 54.8387% | 4,605 |
| Earnings coverage of net charge-offs (x) | 0.7782% | 4,401 |
| Efficiency ratio | 69.8908% | 4,605 |
| Assets per employee ($millions) | 3.0698% | 5,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 4,863 |
| Loan loss allowance to noncurrent loans | 24.7717% | 6,924 |
| Noncurrent assets plus other real estate owned to assets | 3.5671% | 1,495 |
| Noncurrent loans to loans | 4.8103% | 1,151 |
| Net loans and leases to total assets | 73.2714% | 2,945 |
| Net loans and leases to deposits | 79.2844% | 4,729 |
| Net loans and leases to core deposits | 96.5421% | 4,896 |
| Total domestic deposits to total assets | 92.4159% | 132 |
| Equity capital to assets | 7.3113% | 7,485 |
| Core capital (leverage) ratio | 7.0989% | 7,561 |
| Tier 1 risk-based capital ratio | 10.6756% | 6,215 |
| Total risk-based capital ratio | 11.9267% | 6,121 |
| Memoranda: | ||
| Average total assets | $56,131,000 | 6,629 |
| Average earning assets | $50,691,000 | 6,630 |
| Average equity | $3,567,500 | 7,600 |
| Average total loans | $37,423,500 | 6,357 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0832% | 5,126 |
| Cost of funding earning assets | 2.6372% | 3,500 |
| Net interest margin | 3.4460% | 5,480 |
| Noninterest income to average assets | 0.6530% | 3,451 |
| Noninterest expense to average assets | 3.0463% | 3,913 |
| Loan and lease loss provision to assets | 0.7102% | 2,079 |
| Net operating income to assets | 0.0209% | 6,313 |
| Return on assets (ROA) | 0.0209% | 6,166 |
| Pretax return on assets | 0.0114% | 6,134 |
| Return on Equity (ROE) | 0.3122% | 6,130 |
| Retained earnings to average equity (ytd only) | 0.3122% | 5,054 |
| Net charge-offs to loans | 0.9025% | 1,375 |
| Credit loss provision to net charge-offs | 107.4928% | 4,995 |
| Earnings coverage of net charge-offs (x) | 1.0922% | 5,577 |
| Efficiency ratio | 80.8489% | 2,476 |
| Assets per employee ($millions) | 3.7145% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 3,083 |
| Loan loss allowance to noncurrent loans | 39.7669% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 2.1743% | 2,251 |
| Noncurrent loans to loans | 3.5732% | 1,415 |
| Net loans and leases to total assets | 59.9864% | 5,906 |
| Net loans and leases to deposits | 65.8731% | 6,655 |
| Net loans and leases to core deposits | 80.2981% | 6,596 |
| Total domestic deposits to total assets | 91.0636% | 310 |
| Equity capital to assets | 5.6124% | 8,121 |
| Core capital (leverage) ratio | 6.5229% | 7,927 |
| Tier 1 risk-based capital ratio | 9.0500% | 7,748 |
| Total risk-based capital ratio | 10.3017% | 7,724 |
| Memoranda: | ||
| Average total assets | $52,522,800 | 6,676 |
| Average earning assets | $47,475,200 | 6,688 |
| Average equity | $3,523,000 | 7,675 |
| Average total loans | $38,450,200 | 6,246 |