Home > The First Bank of Fairland > Performance and Condition Ratios
The First Bank of Fairland, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0127% | 567 |
| Cost of funding earning assets | 0.2038% | 5,168 |
| Net interest margin | 4.8090% | 354 |
| Noninterest income to average assets | 0.9726% | 1,144 |
| Noninterest expense to average assets | 3.9650% | 629 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4214% | 1,006 |
| Return on assets (ROA) | 1.4214% | 1,055 |
| Pretax return on assets | 1.4214% | 1,838 |
| Return on Equity (ROE) | 11.6297% | 1,416 |
| Retained earnings to average equity (ytd only) | 11.6297% | 557 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6111% | 2,539 |
| Assets per employee ($millions) | 1.5230% | 6,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5952% | 5,752 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 3,751 |
| Noncurrent loans to loans | 0.5952% | 3,403 |
| Net loans and leases to total assets | 76.7564% | 1,284 |
| Net loans and leases to deposits | 89.7062% | 1,610 |
| Net loans and leases to core deposits | 89.7062% | 2,403 |
| Total domestic deposits to total assets | 85.5642% | 2,878 |
| Equity capital to assets | 12.4379% | 1,720 |
| Core capital (leverage) ratio | 10.5647% | 2,891 |
| Tier 1 risk-based capital ratio | 20.4605% | 1,413 |
| Total risk-based capital ratio | 21.3702% | 1,454 |
| Memoranda: | ||
| Average total assets | $10,693,500 | 6,108 |
| Average earning assets | $9,815,000 | 6,094 |
| Average equity | $1,307,000 | 6,100 |
| Average total loans | $8,128,500 | 6,003 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9988% | 631 |
| Cost of funding earning assets | 0.1976% | 5,305 |
| Net interest margin | 4.8012% | 371 |
| Noninterest income to average assets | 0.9059% | 1,431 |
| Noninterest expense to average assets | 4.3845% | 439 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9059% | 2,838 |
| Return on assets (ROA) | 0.9059% | 2,921 |
| Pretax return on assets | 0.9240% | 3,756 |
| Return on Equity (ROE) | 7.8852% | 3,012 |
| Retained earnings to average equity (ytd only) | 2.6810% | 4,163 |
| Net charge-offs to loans | 0.0509% | 3,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 1,628 |
| Efficiency ratio | 82.5939% | 1,324 |
| Assets per employee ($millions) | 1.5323% | 6,103 |
| Cash dividends to net income (ytd only)* | 66.0000% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6106% | 5,782 |
| Loan loss allowance to noncurrent loans | 41.1765% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 1.1095% | 1,974 |
| Noncurrent loans to loans | 1.4829% | 1,565 |
| Net loans and leases to total assets | 74.3614% | 1,666 |
| Net loans and leases to deposits | 84.5184% | 2,300 |
| Net loans and leases to core deposits | 84.5184% | 2,930 |
| Total domestic deposits to total assets | 87.9825% | 1,642 |
| Equity capital to assets | 12.0082% | 1,946 |
| Core capital (leverage) ratio | 9.9925% | 3,522 |
| Tier 1 risk-based capital ratio | 18.6536% | 1,789 |
| Total risk-based capital ratio | 19.5126% | 1,855 |
| Memoranda: | ||
| Average total assets | $11,039,000 | 6,167 |
| Average earning assets | $10,122,400 | 6,151 |
| Average equity | $1,268,200 | 6,161 |
| Average total loans | $7,854,400 | 6,066 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9696% | 662 |
| Cost of funding earning assets | 0.1962% | 5,410 |
| Net interest margin | 4.7734% | 398 |
| Noninterest income to average assets | 0.9115% | 1,420 |
| Noninterest expense to average assets | 4.3535% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9234% | 2,840 |
| Return on assets (ROA) | 0.9234% | 2,931 |
| Pretax return on assets | 0.9354% | 3,867 |
| Return on Equity (ROE) | 8.1267% | 3,006 |
| Retained earnings to average equity (ytd only) | 3.4831% | 3,988 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3129% | 1,355 |
| Assets per employee ($millions) | 1.5573% | 6,191 |
| Cash dividends to net income (ytd only)* | 57.1498% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6556% | 5,809 |
| Loan loss allowance to noncurrent loans | 45.2991% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 1.0733% | 2,215 |
| Noncurrent loans to loans | 1.4473% | 1,733 |
| Net loans and leases to total assets | 73.6721% | 1,792 |
| Net loans and leases to deposits | 83.8134% | 2,426 |
| Net loans and leases to core deposits | 83.8134% | 3,067 |
| Total domestic deposits to total assets | 87.9002% | 1,618 |
| Equity capital to assets | 11.7971% | 2,268 |
| Core capital (leverage) ratio | 9.5935% | 4,176 |
| Tier 1 risk-based capital ratio | 19.1076% | 1,743 |
| Total risk-based capital ratio | 20.0612% | 1,791 |
| Memoranda: | ||
| Average total assets | $11,117,250 | 6,253 |
| Average earning assets | $10,195,000 | 6,239 |
| Average equity | $1,263,250 | 6,248 |
| Average total loans | $7,811,750 | 6,151 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8337% | 835 |
| Cost of funding earning assets | 0.1949% | 5,487 |
| Net interest margin | 4.6388% | 490 |
| Noninterest income to average assets | 0.9295% | 1,355 |
| Noninterest expense to average assets | 4.2898% | 499 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8758% | 3,010 |
| Return on assets (ROA) | 0.8758% | 3,119 |
| Pretax return on assets | 0.8937% | 3,980 |
| Return on Equity (ROE) | 7.8046% | 3,163 |
| Retained earnings to average equity (ytd only) | 0.7964% | 5,240 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7586% | 1,404 |
| Assets per employee ($millions) | 1.6291% | 6,264 |
| Cash dividends to net income (ytd only)* | 89.7959% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6872% | 5,844 |
| Loan loss allowance to noncurrent loans | 45.2991% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 1.0260% | 2,455 |
| Noncurrent loans to loans | 1.5169% | 1,753 |
| Net loans and leases to total assets | 67.1694% | 2,774 |
| Net loans and leases to deposits | 75.6693% | 3,304 |
| Net loans and leases to core deposits | 75.6693% | 3,801 |
| Total domestic deposits to total assets | 88.7671% | 1,260 |
| Equity capital to assets | 11.0400% | 2,844 |
| Core capital (leverage) ratio | 9.4185% | 4,393 |
| Tier 1 risk-based capital ratio | 19.6060% | 1,641 |
| Total risk-based capital ratio | 20.6100% | 1,676 |
| Memoranda: | ||
| Average total assets | $11,189,330 | 6,330 |
| Average earning assets | $10,261,330 | 6,316 |
| Average equity | $1,255,670 | 6,326 |
| Average total loans | $7,721,000 | 6,223 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8862% | 723 |
| Cost of funding earning assets | 0.1970% | 5,543 |
| Net interest margin | 4.6892% | 417 |
| Noninterest income to average assets | 1.0106% | 1,096 |
| Noninterest expense to average assets | 4.4757% | 434 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8302% | 3,112 |
| Return on assets (ROA) | 0.8302% | 3,238 |
| Pretax return on assets | 0.8302% | 4,127 |
| Return on Equity (ROE) | 7.3365% | 3,310 |
| Retained earnings to average equity (ytd only) | 0.3190% | 5,271 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3537% | 1,336 |
| Assets per employee ($millions) | 1.3694% | 6,346 |
| Cash dividends to net income (ytd only)* | 95.6522% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7113% | 5,885 |
| Loan loss allowance to noncurrent loans | 353.3333% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 5,407 |
| Noncurrent loans to loans | 0.2013% | 5,053 |
| Net loans and leases to total assets | 67.5308% | 2,525 |
| Net loans and leases to deposits | 76.3625% | 3,010 |
| Net loans and leases to core deposits | 76.3625% | 3,551 |
| Total domestic deposits to total assets | 88.4345% | 1,580 |
| Equity capital to assets | 11.4560% | 2,509 |
| Core capital (leverage) ratio | 9.4414% | 4,364 |
| Tier 1 risk-based capital ratio | 18.7216% | 1,936 |
| Total risk-based capital ratio | 19.6840% | 1,968 |
| Memoranda: | ||
| Average total assets | $11,082,000 | 6,400 |
| Average earning assets | $10,151,000 | 6,385 |
| Average equity | $1,254,000 | 6,393 |
| Average total loans | $7,725,000 | 6,290 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0287% | 728 |
| Cost of funding earning assets | 0.2019% | 5,723 |
| Net interest margin | 4.8268% | 413 |
| Noninterest income to average assets | 0.9072% | 1,478 |
| Noninterest expense to average assets | 4.2189% | 591 |
| Loan and lease loss provision to assets | 0.0528% | 3,498 |
| Net operating income to assets | 1.0481% | 2,173 |
| Return on assets (ROA) | 1.0481% | 2,241 |
| Pretax return on assets | 1.0569% | 3,268 |
| Return on Equity (ROE) | 9.5337% | 2,325 |
| Retained earnings to average equity (ytd only) | 0.8813% | 5,386 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1736% | 2,041 |
| Assets per employee ($millions) | 1.6013% | 6,420 |
| Cash dividends to net income (ytd only)* | 90.7563% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6626% | 6,055 |
| Loan loss allowance to noncurrent loans | 77.9412% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 3,771 |
| Noncurrent loans to loans | 0.8501% | 3,183 |
| Net loans and leases to total assets | 70.8895% | 2,095 |
| Net loans and leases to deposits | 79.8272% | 2,740 |
| Net loans and leases to core deposits | 79.8272% | 3,314 |
| Total domestic deposits to total assets | 88.8036% | 1,350 |
| Equity capital to assets | 11.1785% | 2,722 |
| Core capital (leverage) ratio | 9.2544% | 4,596 |
| Tier 1 risk-based capital ratio | 13.9092% | 4,160 |
| Total risk-based capital ratio | 14.6256% | 4,420 |
| Memoranda: | ||
| Average total assets | $11,353,600 | 6,489 |
| Average earning assets | $10,400,200 | 6,473 |
| Average equity | $1,248,200 | 6,484 |
| Average total loans | $7,942,400 | 6,371 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9679% | 813 |
| Cost of funding earning assets | 0.1788% | 5,999 |
| Net interest margin | 4.7892% | 441 |
| Noninterest income to average assets | 0.8311% | 1,772 |
| Noninterest expense to average assets | 4.2142% | 602 |
| Loan and lease loss provision to assets | 0.0702% | 2,943 |
| Net operating income to assets | 0.9248% | 2,798 |
| Return on assets (ROA) | 0.9248% | 2,891 |
| Pretax return on assets | 0.9365% | 3,835 |
| Return on Equity (ROE) | 8.4467% | 2,970 |
| Retained earnings to average equity (ytd only) | 0.6415% | 5,613 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7175% | 1,807 |
| Assets per employee ($millions) | 1.6183% | 6,497 |
| Cash dividends to net income (ytd only)* | 92.4048% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6622% | 6,149 |
| Loan loss allowance to noncurrent loans | 1,060.0000% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 5,983 |
| Noncurrent loans to loans | 0.0625% | 5,764 |
| Net loans and leases to total assets | 70.1889% | 2,166 |
| Net loans and leases to deposits | 79.1459% | 2,823 |
| Net loans and leases to core deposits | 79.1459% | 3,420 |
| Total domestic deposits to total assets | 88.6829% | 1,407 |
| Equity capital to assets | 11.0258% | 2,931 |
| Core capital (leverage) ratio | 9.2077% | 4,778 |
| Tier 1 risk-based capital ratio | 13.8476% | 4,323 |
| Total risk-based capital ratio | 14.5636% | 4,602 |
| Memoranda: | ||
| Average total assets | $11,389,750 | 6,569 |
| Average earning assets | $10,440,000 | 6,552 |
| Average equity | $1,247,000 | 6,562 |
| Average total loans | $7,928,250 | 6,445 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9505% | 815 |
| Cost of funding earning assets | 0.2103% | 5,824 |
| Net interest margin | 4.7402% | 455 |
| Noninterest income to average assets | 0.8764% | 1,572 |
| Noninterest expense to average assets | 4.1366% | 642 |
| Loan and lease loss provision to assets | 0.1052% | 2,266 |
| Net operating income to assets | 0.9640% | 2,483 |
| Return on assets (ROA) | 0.9640% | 2,571 |
| Pretax return on assets | 0.9816% | 3,549 |
| Return on Equity (ROE) | 8.8259% | 2,682 |
| Retained earnings to average equity (ytd only) | 1.2838% | 5,231 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1946% | 2,138 |
| Assets per employee ($millions) | 1.6456% | 6,557 |
| Cash dividends to net income (ytd only)* | 85.4545% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6650% | 6,224 |
| Loan loss allowance to noncurrent loans | 203.8462% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 5,427 |
| Noncurrent loans to loans | 0.3262% | 5,034 |
| Net loans and leases to total assets | 68.7299% | 2,286 |
| Net loans and leases to deposits | 77.2767% | 2,894 |
| Net loans and leases to core deposits | 77.2767% | 3,516 |
| Total domestic deposits to total assets | 88.9400% | 1,390 |
| Equity capital to assets | 10.8603% | 3,019 |
| Core capital (leverage) ratio | 9.0789% | 4,898 |
| Tier 1 risk-based capital ratio | 13.9519% | 4,284 |
| Total risk-based capital ratio | 14.6719% | 4,581 |
| Memoranda: | ||
| Average total assets | $11,410,330 | 6,636 |
| Average earning assets | $10,463,670 | 6,616 |
| Average equity | $1,246,330 | 6,627 |
| Average total loans | $7,903,000 | 6,511 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9044% | 867 |
| Cost of funding earning assets | 0.1916% | 6,067 |
| Net interest margin | 4.7129% | 457 |
| Noninterest income to average assets | 0.9158% | 1,346 |
| Noninterest expense to average assets | 4.2268% | 586 |
| Loan and lease loss provision to assets | 0.2113% | 1,086 |
| Net operating income to assets | 0.8101% | 3,105 |
| Return on assets (ROA) | 0.8101% | 3,177 |
| Pretax return on assets | 0.8101% | 4,069 |
| Return on Equity (ROE) | 7.3955% | 3,256 |
| Retained earnings to average equity (ytd only) | 0.6431% | 5,334 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5369% | 2,125 |
| Assets per employee ($millions) | 1.6507% | 6,632 |
| Cash dividends to net income (ytd only)* | 91.3043% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6776% | 6,308 |
| Loan loss allowance to noncurrent loans | 265.0000% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 5,717 |
| Noncurrent loans to loans | 0.2557% | 5,339 |
| Net loans and leases to total assets | 67.2350% | 2,352 |
| Net loans and leases to deposits | 75.4418% | 2,878 |
| Net loans and leases to core deposits | 75.4418% | 3,473 |
| Total domestic deposits to total assets | 89.1216% | 1,575 |
| Equity capital to assets | 10.7746% | 2,953 |
| Core capital (leverage) ratio | 9.0788% | 4,894 |
| Tier 1 risk-based capital ratio | 13.8893% | 4,404 |
| Total risk-based capital ratio | 14.6103% | 4,726 |
| Memoranda: | ||
| Average total assets | $11,356,000 | 6,709 |
| Average earning assets | $10,439,500 | 6,689 |
| Average equity | $1,244,000 | 6,692 |
| Average total loans | $7,869,500 | 6,580 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2107% | 623 |
| Cost of funding earning assets | 0.2192% | 6,182 |
| Net interest margin | 4.9915% | 315 |
| Noninterest income to average assets | 1.0209% | 1,342 |
| Noninterest expense to average assets | 4.2569% | 659 |
| Loan and lease loss provision to assets | 0.0365% | 4,391 |
| Net operating income to assets | 1.2853% | 1,289 |
| Return on assets (ROA) | 1.2853% | 1,344 |
| Pretax return on assets | 1.2944% | 2,177 |
| Return on Equity (ROE) | 11.3728% | 1,646 |
| Retained earnings to average equity (ytd only) | 1.0486% | 5,369 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1827% | 2,744 |
| Assets per employee ($millions) | 1.5939% | 6,709 |
| Cash dividends to net income (ytd only)* | 90.7801% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5937% | 6,482 |
| Loan loss allowance to noncurrent loans | 52.2222% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 0.8067% | 3,867 |
| Noncurrent loans to loans | 1.1368% | 3,268 |
| Net loans and leases to total assets | 70.5387% | 1,929 |
| Net loans and leases to deposits | 79.3907% | 2,538 |
| Net loans and leases to core deposits | 79.3907% | 3,198 |
| Total domestic deposits to total assets | 88.8500% | 1,725 |
| Equity capital to assets | 11.1410% | 2,484 |
| Core capital (leverage) ratio | 8.9575% | 5,066 |
| Tier 1 risk-based capital ratio | 14.0107% | 4,289 |
| Total risk-based capital ratio | 14.6570% | 4,663 |
| Memoranda: | ||
| Average total assets | $10,970,400 | 6,791 |
| Average earning assets | $10,037,000 | 6,775 |
| Average equity | $1,239,800 | 6,785 |
| Average total loans | $7,901,000 | 6,655 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 597 |
| Cost of funding earning assets | 0.2273% | 6,245 |
| Net interest margin | 5.0131% | 308 |
| Noninterest income to average assets | 1.0619% | 1,295 |
| Noninterest expense to average assets | 4.2354% | 668 |
| Loan and lease loss provision to assets | 0.0366% | 4,284 |
| Net operating income to assets | 1.3548% | 1,215 |
| Return on assets (ROA) | 1.3548% | 1,262 |
| Pretax return on assets | 1.3670% | 2,048 |
| Return on Equity (ROE) | 11.9451% | 1,486 |
| Retained earnings to average equity (ytd only) | 1.6142% | 5,328 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1082% | 2,886 |
| Assets per employee ($millions) | 1.6299% | 6,779 |
| Cash dividends to net income (ytd only)* | 86.4865% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5772% | 6,594 |
| Loan loss allowance to noncurrent loans | 46.9388% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 0.8590% | 3,970 |
| Noncurrent loans to loans | 1.2296% | 3,351 |
| Net loans and leases to total assets | 69.4539% | 2,055 |
| Net loans and leases to deposits | 78.2231% | 2,623 |
| Net loans and leases to core deposits | 78.2231% | 3,329 |
| Total domestic deposits to total assets | 88.7896% | 1,673 |
| Equity capital to assets | 10.9124% | 2,845 |
| Core capital (leverage) ratio | 9.4101% | 4,520 |
| Tier 1 risk-based capital ratio | 13.8930% | 4,501 |
| Total risk-based capital ratio | 14.5190% | 4,866 |
| Memoranda: | ||
| Average total assets | $10,923,750 | 6,870 |
| Average earning assets | $9,973,750 | 6,856 |
| Average equity | $1,239,000 | 6,862 |
| Average total loans | $7,897,000 | 6,729 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2880% | 538 |
| Cost of funding earning assets | 0.2441% | 6,218 |
| Net interest margin | 5.0439% | 287 |
| Noninterest income to average assets | 1.0779% | 1,315 |
| Noninterest expense to average assets | 4.2743% | 642 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3938% | 1,099 |
| Return on assets (ROA) | 1.3938% | 1,177 |
| Pretax return on assets | 1.4124% | 1,887 |
| Return on Equity (ROE) | 12.1261% | 1,450 |
| Retained earnings to average equity (ytd only) | 1.7785% | 5,127 |
| Net charge-offs to loans | 0.0254% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 599 |
| Efficiency ratio | 75.1634% | 2,926 |
| Assets per employee ($millions) | 1.3513% | 6,859 |
| Cash dividends to net income (ytd only)* | 85.3333% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5325% | 6,678 |
| Loan loss allowance to noncurrent loans | 27.8146% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 1.3969% | 3,013 |
| Noncurrent loans to loans | 1.9143% | 2,489 |
| Net loans and leases to total assets | 72.5809% | 1,466 |
| Net loans and leases to deposits | 82.1915% | 2,036 |
| Net loans and leases to core deposits | 82.1915% | 2,782 |
| Total domestic deposits to total assets | 88.3071% | 2,039 |
| Equity capital to assets | 11.4801% | 2,315 |
| Core capital (leverage) ratio | 9.6710% | 3,982 |
| Tier 1 risk-based capital ratio | 14.1604% | 4,317 |
| Total risk-based capital ratio | 14.7452% | 4,727 |
| Memoranda: | ||
| Average total assets | $10,762,000 | 6,920 |
| Average earning assets | $9,833,670 | 6,905 |
| Average equity | $1,237,000 | 6,908 |
| Average total loans | $7,872,670 | 6,775 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 508 |
| Cost of funding earning assets | 0.2451% | 6,320 |
| Net interest margin | 5.0651% | 258 |
| Noninterest income to average assets | 1.1548% | 1,126 |
| Noninterest expense to average assets | 4.2093% | 705 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5645% | 753 |
| Return on assets (ROA) | 1.5645% | 818 |
| Pretax return on assets | 1.5645% | 1,396 |
| Return on Equity (ROE) | 13.6032% | 1,034 |
| Retained earnings to average equity (ytd only) | 3.2389% | 4,306 |
| Net charge-offs to loans | 0.0509% | 3,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 757 |
| Efficiency ratio | 72.9032% | 3,455 |
| Assets per employee ($millions) | 1.5521% | 6,915 |
| Cash dividends to net income (ytd only)* | 76.1905% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5192% | 6,775 |
| Loan loss allowance to noncurrent loans | 280.0000% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 6,158 |
| Noncurrent loans to loans | 0.1854% | 5,940 |
| Net loans and leases to total assets | 74.0635% | 1,067 |
| Net loans and leases to deposits | 83.7096% | 1,630 |
| Net loans and leases to core deposits | 83.7096% | 2,358 |
| Total domestic deposits to total assets | 88.4768% | 2,024 |
| Equity capital to assets | 11.4128% | 2,501 |
| Core capital (leverage) ratio | 9.7796% | 3,687 |
| Tier 1 risk-based capital ratio | 13.8931% | 4,582 |
| Total risk-based capital ratio | 14.4674% | 5,015 |
| Memoranda: | ||
| Average total assets | $10,738,000 | 6,997 |
| Average earning assets | $9,792,500 | 6,981 |
| Average equity | $1,235,000 | 6,977 |
| Average total loans | $7,865,000 | 6,850 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5209% | 597 |
| Cost of funding earning assets | 0.3451% | 6,246 |
| Net interest margin | 5.1759% | 282 |
| Noninterest income to average assets | 1.2423% | 1,011 |
| Noninterest expense to average assets | 4.5518% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3750% | 1,142 |
| Return on assets (ROA) | 1.3750% | 1,263 |
| Pretax return on assets | 1.3845% | 2,095 |
| Return on Equity (ROE) | 11.8290% | 1,557 |
| Retained earnings to average equity (ytd only) | 1.9579% | 4,845 |
| Net charge-offs to loans | 0.0254% | 5,540 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 509 |
| Efficiency ratio | 76.6773% | 2,639 |
| Assets per employee ($millions) | 1.5159% | 6,984 |
| Cash dividends to net income (ytd only)* | 83.4483% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5628% | 6,798 |
| Loan loss allowance to noncurrent loans | 860.0000% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 6,520 |
| Noncurrent loans to loans | 0.0654% | 6,325 |
| Net loans and leases to total assets | 71.6049% | 1,550 |
| Net loans and leases to deposits | 81.0108% | 2,146 |
| Net loans and leases to core deposits | 81.0108% | 2,880 |
| Total domestic deposits to total assets | 88.3894% | 1,969 |
| Equity capital to assets | 11.5917% | 2,355 |
| Core capital (leverage) ratio | 9.6434% | 3,900 |
| Tier 1 risk-based capital ratio | 14.4436% | 4,073 |
| Total risk-based capital ratio | 15.0610% | 4,477 |
| Memoranda: | ||
| Average total assets | $10,545,200 | 7,065 |
| Average earning assets | $9,563,600 | 7,049 |
| Average equity | $1,225,800 | 7,048 |
| Average total loans | $7,874,200 | 6,918 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5638% | 593 |
| Cost of funding earning assets | 0.3495% | 6,373 |
| Net interest margin | 5.2144% | 287 |
| Noninterest income to average assets | 1.2157% | 1,010 |
| Noninterest expense to average assets | 4.5209% | 529 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4057% | 1,211 |
| Return on assets (ROA) | 1.4057% | 1,331 |
| Pretax return on assets | 1.4183% | 2,178 |
| Return on Equity (ROE) | 12.0841% | 1,604 |
| Retained earnings to average equity (ytd only) | 2.7214% | 4,918 |
| Net charge-offs to loans | 0.0337% | 5,177 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 55.9288% | 693 |
| Efficiency ratio | 76.1194% | 2,659 |
| Assets per employee ($millions) | 1.4697% | 7,088 |
| Cash dividends to net income (ytd only)* | 77.4730% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5456% | 6,924 |
| Loan loss allowance to noncurrent loans | 537.5000% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 6,547 |
| Noncurrent loans to loans | 0.1015% | 6,359 |
| Net loans and leases to total assets | 76.1858% | 949 |
| Net loans and leases to deposits | 86.8958% | 1,496 |
| Net loans and leases to core deposits | 86.8958% | 2,354 |
| Total domestic deposits to total assets | 87.6750% | 2,242 |
| Equity capital to assets | 11.9654% | 2,288 |
| Core capital (leverage) ratio | 9.8301% | 3,777 |
| Tier 1 risk-based capital ratio | 14.1951% | 4,382 |
| Total risk-based capital ratio | 14.8012% | 4,809 |
| Memoranda: | ||
| Average total assets | $10,528,750 | 7,160 |
| Average earning assets | $9,537,500 | 7,145 |
| Average equity | $1,224,750 | 7,146 |
| Average total loans | $7,932,500 | 7,010 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4832% | 745 |
| Cost of funding earning assets | 0.3531% | 6,499 |
| Net interest margin | 5.1302% | 322 |
| Noninterest income to average assets | 1.2254% | 953 |
| Noninterest expense to average assets | 4.2982% | 652 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5647% | 890 |
| Return on assets (ROA) | 1.5647% | 998 |
| Pretax return on assets | 1.5836% | 1,593 |
| Return on Equity (ROE) | 13.5768% | 1,208 |
| Retained earnings to average equity (ytd only) | 4.7437% | 3,448 |
| Net charge-offs to loans | 0.0503% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 843 |
| Efficiency ratio | 73.0769% | 3,229 |
| Assets per employee ($millions) | 1.3303% | 7,161 |
| Cash dividends to net income (ytd only)* | 65.0602% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5422% | 6,988 |
| Loan loss allowance to noncurrent loans | 56.5789% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 0.7142% | 5,009 |
| Noncurrent loans to loans | 0.9583% | 4,595 |
| Net loans and leases to total assets | 74.1214% | 1,226 |
| Net loans and leases to deposits | 84.0938% | 1,841 |
| Net loans and leases to core deposits | 84.0938% | 2,680 |
| Total domestic deposits to total assets | 88.1413% | 2,047 |
| Equity capital to assets | 11.6050% | 2,484 |
| Core capital (leverage) ratio | 9.6589% | 3,907 |
| Tier 1 risk-based capital ratio | 13.9371% | 4,490 |
| Total risk-based capital ratio | 14.5299% | 4,944 |
| Memoranda: | ||
| Average total assets | $10,609,000 | 7,223 |
| Average earning assets | $9,629,330 | 7,207 |
| Average equity | $1,222,670 | 7,202 |
| Average total loans | $7,949,670 | 7,071 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4580% | 817 |
| Cost of funding earning assets | 0.3750% | 6,529 |
| Net interest margin | 5.0831% | 354 |
| Noninterest income to average assets | 1.2084% | 983 |
| Noninterest expense to average assets | 4.2294% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5860% | 882 |
| Return on assets (ROA) | 1.5860% | 991 |
| Pretax return on assets | 1.5860% | 1,615 |
| Return on Equity (ROE) | 13.8101% | 1,226 |
| Retained earnings to average equity (ytd only) | 6.5762% | 2,642 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 3,304 |
| Assets per employee ($millions) | 1.5517% | 7,208 |
| Cash dividends to net income (ytd only)* | 52.3810% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5632% | 7,018 |
| Loan loss allowance to noncurrent loans | 500.0000% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 6,684 |
| Noncurrent loans to loans | 0.1126% | 6,474 |
| Net loans and leases to total assets | 73.1449% | 1,196 |
| Net loans and leases to deposits | 82.5884% | 1,849 |
| Net loans and leases to core deposits | 82.5884% | 2,749 |
| Total domestic deposits to total assets | 88.5656% | 1,970 |
| Equity capital to assets | 11.2963% | 2,631 |
| Core capital (leverage) ratio | 9.6266% | 3,881 |
| Tier 1 risk-based capital ratio | 13.7623% | 4,637 |
| Total risk-based capital ratio | 14.3798% | 5,083 |
| Memoranda: | ||
| Average total assets | $10,592,500 | 7,284 |
| Average earning assets | $9,600,500 | 7,269 |
| Average equity | $1,216,500 | 7,259 |
| Average total loans | $7,959,000 | 7,136 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7434% | 712 |
| Cost of funding earning assets | 0.4444% | 6,749 |
| Net interest margin | 5.2991% | 242 |
| Noninterest income to average assets | 1.6255% | 518 |
| Noninterest expense to average assets | 4.6881% | 494 |
| Loan and lease loss provision to assets | 0.2478% | 3,730 |
| Net operating income to assets | 1.4074% | 1,015 |
| Return on assets (ROA) | 1.4074% | 1,092 |
| Pretax return on assets | 1.4173% | 1,726 |
| Return on Equity (ROE) | 11.9288% | 1,423 |
| Retained earnings to average equity (ytd only) | 2.9402% | 4,146 |
| Net charge-offs to loans | 0.1384% | 5,039 |
| Credit loss provision to net charge-offs | 250.0000% | 958 |
| Earnings coverage of net charge-offs (x) | 16.8000% | 1,303 |
| Efficiency ratio | 73.7910% | 3,269 |
| Assets per employee ($millions) | 1.4747% | 7,265 |
| Cash dividends to net income (ytd only)* | 75.3521% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5676% | 7,043 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 6,903 |
| Noncurrent loans to loans | 0.0378% | 6,732 |
| Net loans and leases to total assets | 76.3635% | 894 |
| Net loans and leases to deposits | 86.4933% | 1,614 |
| Net loans and leases to core deposits | 86.4933% | 2,571 |
| Total domestic deposits to total assets | 88.2883% | 1,974 |
| Equity capital to assets | 11.6827% | 2,351 |
| Core capital (leverage) ratio | 9.7324% | 3,697 |
| Tier 1 risk-based capital ratio | 13.7805% | 4,493 |
| Total risk-based capital ratio | 14.4120% | 4,927 |
| Memoranda: | ||
| Average total assets | $10,089,400 | 7,334 |
| Average earning assets | $9,001,600 | 7,320 |
| Average equity | $1,190,400 | 7,315 |
| Average total loans | $7,224,800 | 7,206 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6956% | 857 |
| Cost of funding earning assets | 0.4634% | 6,843 |
| Net interest margin | 5.2322% | 273 |
| Noninterest income to average assets | 1.6881% | 483 |
| Noninterest expense to average assets | 4.7318% | 470 |
| Loan and lease loss provision to assets | 0.1329% | 4,768 |
| Net operating income to assets | 1.4621% | 1,022 |
| Return on assets (ROA) | 1.4621% | 1,098 |
| Pretax return on assets | 1.4753% | 1,720 |
| Return on Equity (ROE) | 12.3607% | 1,450 |
| Retained earnings to average equity (ytd only) | 3.9334% | 3,925 |
| Net charge-offs to loans | 0.1891% | 4,283 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 12.1028% | 1,738 |
| Efficiency ratio | 74.6331% | 3,058 |
| Assets per employee ($millions) | 1.4431% | 7,349 |
| Cash dividends to net income (ytd only)* | 68.1849% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4125% | 7,221 |
| Loan loss allowance to noncurrent loans | 36.5854% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 0.8117% | 5,147 |
| Noncurrent loans to loans | 1.1276% | 4,660 |
| Net loans and leases to total assets | 71.6888% | 1,777 |
| Net loans and leases to deposits | 81.7105% | 2,415 |
| Net loans and leases to core deposits | 81.7105% | 3,368 |
| Total domestic deposits to total assets | 87.7351% | 2,210 |
| Equity capital to assets | 11.9382% | 2,300 |
| Core capital (leverage) ratio | 9.9868% | 3,464 |
| Tier 1 risk-based capital ratio | 14.4327% | 4,027 |
| Total risk-based capital ratio | 14.8736% | 4,603 |
| Memoranda: | ||
| Average total assets | $10,031,000 | 7,411 |
| Average earning assets | $8,919,000 | 7,399 |
| Average equity | $1,186,500 | 7,391 |
| Average total loans | $7,049,000 | 7,281 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6315% | 1,017 |
| Cost of funding earning assets | 0.4956% | 6,858 |
| Net interest margin | 5.1359% | 314 |
| Noninterest income to average assets | 1.5988% | 509 |
| Noninterest expense to average assets | 4.7565% | 455 |
| Loan and lease loss provision to assets | 0.1999% | 3,928 |
| Net operating income to assets | 1.1791% | 1,638 |
| Return on assets (ROA) | 1.1791% | 1,722 |
| Pretax return on assets | 1.1991% | 2,485 |
| Return on Equity (ROE) | 10.0000% | 2,114 |
| Retained earnings to average equity (ytd only) | 2.7119% | 4,562 |
| Net charge-offs to loans | 0.2868% | 3,443 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,297 |
| Efficiency ratio | 77.2727% | 2,815 |
| Assets per employee ($millions) | 1.4199% | 7,419 |
| Cash dividends to net income (ytd only)* | 72.8814% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4207% | 7,281 |
| Loan loss allowance to noncurrent loans | 600.0000% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 6,971 |
| Noncurrent loans to loans | 0.0701% | 6,805 |
| Net loans and leases to total assets | 71.4458% | 1,897 |
| Net loans and leases to deposits | 81.3495% | 2,548 |
| Net loans and leases to core deposits | 81.3495% | 3,601 |
| Total domestic deposits to total assets | 87.8257% | 2,262 |
| Equity capital to assets | 11.9429% | 2,126 |
| Core capital (leverage) ratio | 9.8993% | 3,387 |
| Tier 1 risk-based capital ratio | 14.4725% | 3,807 |
| Total risk-based capital ratio | 14.9234% | 4,376 |
| Memoranda: | ||
| Average total assets | $10,007,330 | 7,486 |
| Average earning assets | $8,878,670 | 7,475 |
| Average equity | $1,180,000 | 7,466 |
| Average total loans | $6,974,670 | 7,359 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5169% | 1,250 |
| Cost of funding earning assets | 0.5382% | 6,838 |
| Net interest margin | 4.9787% | 395 |
| Noninterest income to average assets | 1.5934% | 523 |
| Noninterest expense to average assets | 4.7403% | 457 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2747% | 1,336 |
| Return on assets (ROA) | 1.2747% | 1,383 |
| Pretax return on assets | 1.2747% | 2,121 |
| Return on Equity (ROE) | 10.8797% | 1,784 |
| Retained earnings to average equity (ytd only) | 3.7399% | 3,928 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8079% | 2,715 |
| Assets per employee ($millions) | 1.4403% | 7,478 |
| Cash dividends to net income (ytd only)* | 65.6250% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4301% | 7,331 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 6,263 |
| Noncurrent loans to loans | 0.1720% | 6,622 |
| Net loans and leases to total assets | 68.8851% | 2,357 |
| Net loans and leases to deposits | 78.1479% | 3,034 |
| Net loans and leases to core deposits | 78.1479% | 3,999 |
| Total domestic deposits to total assets | 88.1472% | 2,292 |
| Equity capital to assets | 11.7239% | 2,105 |
| Core capital (leverage) ratio | 9.8590% | 3,325 |
| Tier 1 risk-based capital ratio | 14.3995% | 3,808 |
| Total risk-based capital ratio | 14.8504% | 4,326 |
| Memoranda: | ||
| Average total assets | $10,041,500 | 7,545 |
| Average earning assets | $8,918,000 | 7,534 |
| Average equity | $1,176,500 | 7,522 |
| Average total loans | $6,896,500 | 7,419 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5503% | 2,081 |
| Cost of funding earning assets | 0.7048% | 6,874 |
| Net interest margin | 4.8455% | 615 |
| Noninterest income to average assets | 1.3158% | 852 |
| Noninterest expense to average assets | 4.5757% | 602 |
| Loan and lease loss provision to assets | 0.0393% | 6,766 |
| Net operating income to assets | 1.0117% | 1,991 |
| Return on assets (ROA) | 1.0408% | 2,007 |
| Pretax return on assets | 1.0506% | 2,774 |
| Return on Equity (ROE) | 9.1097% | 2,251 |
| Retained earnings to average equity (ytd only) | 2.4063% | 4,188 |
| Net charge-offs to loans | 0.0614% | 6,172 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 807 |
| Efficiency ratio | 81.1847% | 2,268 |
| Assets per employee ($millions) | 1.4287% | 7,559 |
| Cash dividends to net income (ytd only)* | 73.5849% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4400% | 7,399 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 6,077 |
| Noncurrent loans to loans | 0.7040% | 5,642 |
| Net loans and leases to total assets | 67.8732% | 3,013 |
| Net loans and leases to deposits | 76.9091% | 3,700 |
| Net loans and leases to core deposits | 76.9091% | 4,596 |
| Total domestic deposits to total assets | 88.2512% | 2,092 |
| Equity capital to assets | 11.7088% | 2,119 |
| Core capital (leverage) ratio | 9.5618% | 3,621 |
| Tier 1 risk-based capital ratio | 14.4602% | 3,575 |
| Total risk-based capital ratio | 14.9183% | 4,056 |
| Memoranda: | ||
| Average total assets | $10,184,200 | 7,625 |
| Average earning assets | $9,080,600 | 7,610 |
| Average equity | $1,163,600 | 7,619 |
| Average total loans | $6,516,600 | 7,511 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5422% | 2,284 |
| Cost of funding earning assets | 0.7312% | 6,967 |
| Net interest margin | 4.8111% | 665 |
| Noninterest income to average assets | 1.2381% | 895 |
| Noninterest expense to average assets | 4.5095% | 581 |
| Loan and lease loss provision to assets | 0.0521% | 6,560 |
| Net operating income to assets | 0.9518% | 2,406 |
| Return on assets (ROA) | 0.9905% | 2,382 |
| Pretax return on assets | 1.0035% | 3,171 |
| Return on Equity (ROE) | 8.7222% | 2,596 |
| Retained earnings to average equity (ytd only) | 3.4431% | 4,028 |
| Net charge-offs to loans | 0.0827% | 5,702 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 19.5122% | 1,207 |
| Efficiency ratio | 81.6038% | 2,110 |
| Assets per employee ($millions) | 1.4137% | 7,665 |
| Cash dividends to net income (ytd only)* | 60.5250% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4389% | 7,501 |
| Loan loss allowance to noncurrent loans | 107.1429% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 6,668 |
| Noncurrent loans to loans | 0.4097% | 6,379 |
| Net loans and leases to total assets | 68.7652% | 3,037 |
| Net loans and leases to deposits | 78.2994% | 3,776 |
| Net loans and leases to core deposits | 78.2994% | 4,771 |
| Total domestic deposits to total assets | 87.8234% | 2,077 |
| Equity capital to assets | 11.8533% | 2,248 |
| Core capital (leverage) ratio | 9.6965% | 3,624 |
| Tier 1 risk-based capital ratio | 14.6881% | 3,403 |
| Total risk-based capital ratio | 15.1525% | 3,882 |
| Memoranda: | ||
| Average total assets | $10,230,000 | 7,723 |
| Average earning assets | $9,117,750 | 7,710 |
| Average equity | $1,161,750 | 7,718 |
| Average total loans | $6,441,250 | 7,611 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 2,670 |
| Cost of funding earning assets | 0.7376% | 7,102 |
| Net interest margin | 4.7295% | 772 |
| Noninterest income to average assets | 1.2571% | 817 |
| Noninterest expense to average assets | 4.4482% | 612 |
| Loan and lease loss provision to assets | 0.0774% | 6,169 |
| Net operating income to assets | 0.9477% | 2,376 |
| Return on assets (ROA) | 1.0057% | 2,250 |
| Pretax return on assets | 1.0057% | 3,092 |
| Return on Equity (ROE) | 8.9810% | 2,473 |
| Retained earnings to average equity (ytd only) | 5.0086% | 2,893 |
| Net charge-offs to loans | 0.1268% | 4,929 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 1,602 |
| Efficiency ratio | 81.2721% | 2,265 |
| Assets per employee ($millions) | 1.4504% | 7,720 |
| Cash dividends to net income (ytd only)* | 44.2308% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4430% | 7,566 |
| Loan loss allowance to noncurrent loans | 103.4483% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 6,704 |
| Noncurrent loans to loans | 0.4282% | 6,385 |
| Net loans and leases to total assets | 66.4040% | 3,750 |
| Net loans and leases to deposits | 75.2455% | 4,478 |
| Net loans and leases to core deposits | 75.2455% | 5,291 |
| Total domestic deposits to total assets | 88.2498% | 1,851 |
| Equity capital to assets | 11.5434% | 2,405 |
| Core capital (leverage) ratio | 9.3657% | 4,015 |
| Tier 1 risk-based capital ratio | 14.6886% | 3,331 |
| Total risk-based capital ratio | 15.1534% | 3,758 |
| Memoranda: | ||
| Average total assets | $10,341,330 | 7,788 |
| Average earning assets | $9,218,670 | 7,777 |
| Average equity | $1,158,000 | 7,785 |
| Average total loans | $6,310,000 | 7,684 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1646% | 4,224 |
| Cost of funding earning assets | 0.7747% | 7,166 |
| Net interest margin | 4.3899% | 1,417 |
| Noninterest income to average assets | 1.1499% | 941 |
| Noninterest expense to average assets | 4.3697% | 664 |
| Loan and lease loss provision to assets | 0.0767% | 5,877 |
| Net operating income to assets | 0.6133% | 3,842 |
| Return on assets (ROA) | 0.6133% | 3,985 |
| Pretax return on assets | 0.6133% | 4,555 |
| Return on Equity (ROE) | 5.5604% | 4,080 |
| Retained earnings to average equity (ytd only) | 5.5604% | 2,837 |
| Net charge-offs to loans | 0.2632% | 3,359 |
| Credit loss provision to net charge-offs | 50.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,618 |
| Efficiency ratio | 86.3636% | 1,757 |
| Assets per employee ($millions) | 1.4876% | 7,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4571% | 7,630 |
| Loan loss allowance to noncurrent loans | 175.0000% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 7,093 |
| Noncurrent loans to loans | 0.2612% | 6,805 |
| Net loans and leases to total assets | 58.5614% | 5,337 |
| Net loans and leases to deposits | 65.9814% | 5,824 |
| Net loans and leases to core deposits | 65.9814% | 6,282 |
| Total domestic deposits to total assets | 88.7544% | 1,639 |
| Equity capital to assets | 11.1303% | 2,654 |
| Core capital (leverage) ratio | 9.1631% | 4,280 |
| Tier 1 risk-based capital ratio | 15.2156% | 2,999 |
| Total risk-based capital ratio | 15.6713% | 3,391 |
| Memoranda: | ||
| Average total assets | $10,435,500 | 7,889 |
| Average earning assets | $9,294,000 | 7,878 |
| Average equity | $1,151,000 | 7,872 |
| Average total loans | $6,079,000 | 7,795 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5255% | 4,011 |
| Cost of funding earning assets | 1.1116% | 6,936 |
| Net interest margin | 4.4139% | 1,395 |
| Noninterest income to average assets | 1.6259% | 546 |
| Noninterest expense to average assets | 4.5122% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0391% | 1,706 |
| Return on assets (ROA) | 1.0391% | 1,752 |
| Pretax return on assets | 1.0487% | 2,420 |
| Return on Equity (ROE) | 9.5087% | 1,853 |
| Retained earnings to average equity (ytd only) | 1.3207% | 4,120 |
| Net charge-offs to loans | 0.0165% | 6,990 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 258 |
| Efficiency ratio | 81.1419% | 2,723 |
| Assets per employee ($millions) | 1.3073% | 7,927 |
| Cash dividends to net income (ytd only)* | 86.1111% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4973% | 7,670 |
| Loan loss allowance to noncurrent loans | 73.1707% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 6,470 |
| Noncurrent loans to loans | 0.6797% | 5,880 |
| Net loans and leases to total assets | 57.3915% | 5,759 |
| Net loans and leases to deposits | 64.4752% | 6,216 |
| Net loans and leases to core deposits | 72.5054% | 6,621 |
| Total domestic deposits to total assets | 89.0132% | 1,480 |
| Equity capital to assets | 10.9294% | 2,753 |
| Core capital (leverage) ratio | 8.8647% | 4,655 |
| Tier 1 risk-based capital ratio | 14.9601% | 2,964 |
| Total risk-based capital ratio | 15.4485% | 3,338 |
| Memoranda: | ||
| Average total assets | $10,394,000 | 7,966 |
| Average earning assets | $9,266,200 | 7,951 |
| Average equity | $1,135,800 | 7,968 |
| Average total loans | $6,047,600 | 7,857 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5481% | 4,170 |
| Cost of funding earning assets | 1.1241% | 7,120 |
| Net interest margin | 4.4240% | 1,380 |
| Noninterest income to average assets | 1.6830% | 519 |
| Noninterest expense to average assets | 4.5608% | 691 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0535% | 1,884 |
| Return on assets (ROA) | 1.0535% | 1,949 |
| Pretax return on assets | 1.0663% | 2,684 |
| Return on Equity (ROE) | 9.6411% | 2,053 |
| Retained earnings to average equity (ytd only) | 1.9991% | 4,204 |
| Net charge-offs to loans | 0.0220% | 6,589 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 83.2030% | 411 |
| Efficiency ratio | 81.0502% | 2,704 |
| Assets per employee ($millions) | 1.3190% | 8,010 |
| Cash dividends to net income (ytd only)* | 79.2646% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4829% | 7,736 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 7,265 |
| Noncurrent loans to loans | 0.1932% | 7,016 |
| Net loans and leases to total assets | 58.5861% | 5,799 |
| Net loans and leases to deposits | 65.9836% | 6,313 |
| Net loans and leases to core deposits | 72.3464% | 6,824 |
| Total domestic deposits to total assets | 88.7889% | 1,296 |
| Equity capital to assets | 10.8510% | 3,166 |
| Core capital (leverage) ratio | 8.8345% | 4,920 |
| Tier 1 risk-based capital ratio | 14.6726% | 3,187 |
| Total risk-based capital ratio | 15.1505% | 3,549 |
| Memoranda: | ||
| Average total assets | $10,378,000 | 8,050 |
| Average earning assets | $9,252,250 | 8,036 |
| Average equity | $1,134,000 | 8,051 |
| Average total loans | $6,051,500 | 7,933 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5618% | 4,274 |
| Cost of funding earning assets | 1.1515% | 7,240 |
| Net interest margin | 4.4103% | 1,388 |
| Noninterest income to average assets | 1.5504% | 623 |
| Noninterest expense to average assets | 4.4380% | 825 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0465% | 1,948 |
| Return on assets (ROA) | 1.0465% | 2,021 |
| Pretax return on assets | 1.0465% | 2,821 |
| Return on Equity (ROE) | 9.5547% | 2,171 |
| Retained earnings to average equity (ytd only) | 1.0616% | 4,733 |
| Net charge-offs to loans | 0.0667% | 5,566 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,066 |
| Efficiency ratio | 80.9187% | 2,898 |
| Assets per employee ($millions) | 1.3481% | 8,095 |
| Cash dividends to net income (ytd only)* | 88.8889% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4774% | 7,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 56.0593% | 6,198 |
| Net loans and leases to deposits | 62.8221% | 6,671 |
| Net loans and leases to core deposits | 68.6655% | 7,091 |
| Total domestic deposits to total assets | 89.2350% | 1,152 |
| Equity capital to assets | 10.5146% | 3,388 |
| Core capital (leverage) ratio | 8.8324% | 4,894 |
| Tier 1 risk-based capital ratio | 14.9352% | 3,049 |
| Total risk-based capital ratio | 15.4111% | 3,361 |
| Memoranda: | ||
| Average total assets | $10,320,000 | 8,141 |
| Average earning assets | $9,205,670 | 8,125 |
| Average equity | $1,130,330 | 8,142 |
| Average total loans | $5,998,000 | 8,027 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7602% | 3,481 |
| Cost of funding earning assets | 1.2056% | 7,285 |
| Net interest margin | 4.5546% | 1,029 |
| Noninterest income to average assets | 1.5068% | 625 |
| Noninterest expense to average assets | 4.4808% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0706% | 2,063 |
| Return on assets (ROA) | 1.0706% | 2,199 |
| Pretax return on assets | 1.0706% | 3,097 |
| Return on Equity (ROE) | 9.5702% | 2,507 |
| Retained earnings to average equity (ytd only) | 0.3545% | 5,515 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7143% | 2,706 |
| Assets per employee ($millions) | 1.4703% | 8,119 |
| Cash dividends to net income (ytd only)* | 96.2963% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5162% | 7,803 |
| Loan loss allowance to noncurrent loans | 1,033.3333% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 7,531 |
| Noncurrent loans to loans | 0.0500% | 7,396 |
| Net loans and leases to total assets | 58.0451% | 5,931 |
| Net loans and leases to deposits | 65.3182% | 6,437 |
| Net loans and leases to core deposits | 70.7904% | 6,974 |
| Total domestic deposits to total assets | 88.8651% | 1,296 |
| Equity capital to assets | 10.9697% | 2,989 |
| Core capital (leverage) ratio | 9.3117% | 4,229 |
| Tier 1 risk-based capital ratio | 15.1693% | 2,988 |
| Total risk-based capital ratio | 15.6889% | 3,267 |
| Memoranda: | ||
| Average total assets | $10,087,500 | 8,192 |
| Average earning assets | $8,958,000 | 8,178 |
| Average equity | $1,128,500 | 8,193 |
| Average total loans | $5,959,500 | 8,082 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5766% | 2,596 |
| Cost of funding earning assets | 1.8027% | 6,996 |
| Net interest margin | 4.7739% | 825 |
| Noninterest income to average assets | 1.5512% | 583 |
| Noninterest expense to average assets | 4.2608% | 1,089 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4924% | 1,039 |
| Return on assets (ROA) | 1.5021% | 979 |
| Pretax return on assets | 1.5119% | 1,650 |
| Return on Equity (ROE) | 13.4022% | 1,239 |
| Retained earnings to average equity (ytd only) | -0.8760% | 5,562 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9353% | 3,589 |
| Assets per employee ($millions) | 1.0981% | 8,225 |
| Cash dividends to net income (ytd only)* | 106.5359% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5242% | 7,810 |
| Loan loss allowance to noncurrent loans | 775.0000% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 7,431 |
| Noncurrent loans to loans | 0.0676% | 7,235 |
| Net loans and leases to total assets | 59.5265% | 5,978 |
| Net loans and leases to deposits | 67.2727% | 6,528 |
| Net loans and leases to core deposits | 73.1353% | 7,017 |
| Total domestic deposits to total assets | 88.4853% | 1,258 |
| Equity capital to assets | 11.4135% | 2,693 |
| Core capital (leverage) ratio | 9.0690% | 4,641 |
| Tier 1 risk-based capital ratio | 15.1856% | 2,965 |
| Total risk-based capital ratio | 15.7064% | 3,231 |
| Memoranda: | ||
| Average total assets | $10,185,800 | 8,245 |
| Average earning assets | $8,986,400 | 8,230 |
| Average equity | $1,141,600 | 8,259 |
| Average total loans | $6,349,000 | 8,112 |