Home > The First National Bank of Powhatan Point > Performance and Condition Ratios
The First National Bank of Powhatan Point, Performance and Condition Ratios
| 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 | 2.6404% | 5,392 |
| Cost of funding earning assets | 0.2129% | 4,975 |
| Net interest margin | 2.4274% | 5,311 |
| Noninterest income to average assets | 0.1475% | 5,037 |
| Noninterest expense to average assets | 1.6788% | 5,155 |
| Loan and lease loss provision to assets | 0.0112% | 3,776 |
| Net operating income to assets | 0.6818% | 4,282 |
| Return on assets (ROA) | 0.6818% | 4,294 |
| Pretax return on assets | 0.7511% | 4,425 |
| Return on Equity (ROE) | 8.1153% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.0134% | 2,651 |
| Net charge-offs to loans | 0.0175% | 2,815 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 341.8496% | 274 |
| Efficiency ratio | 68.7729% | 2,390 |
| Assets per employee ($millions) | 8.6721% | 499 |
| Cash dividends to net income (ytd only)* | 25.9012% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6847% | 192 |
| 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 | 10.8080% | 5,424 |
| Net loans and leases to deposits | 11.8462% | 5,431 |
| Net loans and leases to core deposits | 11.9779% | 5,425 |
| Total domestic deposits to total assets | 91.2363% | 175 |
| Equity capital to assets | 8.2118% | 5,079 |
| Core capital (leverage) ratio | 8.5705% | 5,053 |
| Tier 1 risk-based capital ratio | 29.5384% | 502 |
| Total risk-based capital ratio | 30.5535% | 503 |
| Memoranda: | ||
| Average total assets | $59,644,500 | 4,824 |
| Average earning assets | $56,354,500 | 4,791 |
| Average equity | $5,011,000 | 5,108 |
| Average total loans | $7,580,000 | 5,400 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5765% | 5,461 |
| Cost of funding earning assets | 0.2105% | 4,975 |
| Net interest margin | 2.3659% | 5,395 |
| Noninterest income to average assets | 0.1417% | 5,110 |
| Noninterest expense to average assets | 1.2683% | 5,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0288% | 2,897 |
| Return on assets (ROA) | 1.0288% | 2,903 |
| Pretax return on assets | 1.1098% | 3,272 |
| Return on Equity (ROE) | 12.1522% | 1,671 |
| Retained earnings to average equity (ytd only) | 9.0046% | 1,219 |
| Net charge-offs to loans | 0.0254% | 2,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 329.0000% | 279 |
| Efficiency ratio | 53.3333% | 4,754 |
| Assets per employee ($millions) | 8.9691% | 452 |
| Cash dividends to net income (ytd only)* | 25.9016% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5630% | 229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 10.6572% | 5,487 |
| Net loans and leases to deposits | 11.6216% | 5,493 |
| Net loans and leases to core deposits | 11.7454% | 5,486 |
| Total domestic deposits to total assets | 91.7017% | 122 |
| Equity capital to assets | 8.0403% | 5,213 |
| Core capital (leverage) ratio | 8.5405% | 5,079 |
| Tier 1 risk-based capital ratio | 20.6476% | 1,224 |
| Total risk-based capital ratio | 21.3376% | 1,276 |
| Memoranda: | ||
| Average total assets | $59,291,000 | 4,882 |
| Average earning assets | $56,045,330 | 4,857 |
| Average equity | $5,019,670 | 5,160 |
| Average total loans | $7,859,330 | 5,459 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6070% | 5,510 |
| Cost of funding earning assets | 0.2209% | 4,889 |
| Net interest margin | 2.3860% | 5,444 |
| Noninterest income to average assets | 0.1529% | 5,099 |
| Noninterest expense to average assets | 1.3207% | 5,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9106% | 3,248 |
| Return on assets (ROA) | 0.9106% | 3,258 |
| Pretax return on assets | 1.0844% | 3,228 |
| Return on Equity (ROE) | 10.4685% | 2,193 |
| Retained earnings to average equity (ytd only) | 10.4685% | 1,027 |
| Net charge-offs to loans | 0.0479% | 1,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 419 |
| Efficiency ratio | 54.9133% | 4,697 |
| Assets per employee ($millions) | 8.3956% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2158% | 379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 13.2162% | 5,540 |
| Net loans and leases to deposits | 14.4845% | 5,549 |
| Net loans and leases to core deposits | 14.6500% | 5,544 |
| Total domestic deposits to total assets | 91.2437% | 243 |
| Equity capital to assets | 8.4943% | 4,978 |
| Core capital (leverage) ratio | 8.9246% | 4,767 |
| Tier 1 risk-based capital ratio | 29.0343% | 511 |
| Total risk-based capital ratio | 30.0225% | 523 |
| Memoranda: | ||
| Average total assets | $57,544,500 | 4,971 |
| Average earning assets | $54,316,000 | 4,952 |
| Average equity | $5,005,500 | 5,220 |
| Average total loans | $8,355,500 | 5,504 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4245% | 5,573 |
| Cost of funding earning assets | 0.2259% | 4,749 |
| Net interest margin | 2.1986% | 5,537 |
| Noninterest income to average assets | 0.1803% | 5,054 |
| Noninterest expense to average assets | 1.6149% | 5,407 |
| Loan and lease loss provision to assets | 0.0190% | 3,924 |
| Net operating income to assets | 0.5313% | 4,286 |
| Return on assets (ROA) | 0.5313% | 4,318 |
| Pretax return on assets | 0.6148% | 4,712 |
| Return on Equity (ROE) | 6.1739% | 3,687 |
| Retained earnings to average equity (ytd only) | 2.4255% | 3,879 |
| Net charge-offs to loans | -0.0123% | 4,846 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8143% | 2,255 |
| Assets per employee ($millions) | 7.0400% | 954 |
| Cash dividends to net income (ytd only)* | 60.7143% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0187% | 523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 15.2539% | 5,601 |
| Net loans and leases to deposits | 16.8065% | 5,611 |
| Net loans and leases to core deposits | 17.0075% | 5,609 |
| Total domestic deposits to total assets | 90.7617% | 316 |
| Equity capital to assets | 8.9116% | 4,807 |
| Core capital (leverage) ratio | 8.7538% | 4,900 |
| Tier 1 risk-based capital ratio | 27.5081% | 570 |
| Total risk-based capital ratio | 28.4747% | 575 |
| Memoranda: | ||
| Average total assets | $52,696,800 | 5,107 |
| Average earning assets | $49,576,400 | 5,072 |
| Average equity | $4,535,200 | 5,344 |
| Average total loans | $8,110,200 | 5,576 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3842% | 5,645 |
| Cost of funding earning assets | 0.2274% | 4,756 |
| Net interest margin | 2.1567% | 5,611 |
| Noninterest income to average assets | 0.1828% | 5,105 |
| Noninterest expense to average assets | 1.3876% | 5,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7337% | 3,802 |
| Return on assets (ROA) | 0.7337% | 3,875 |
| Pretax return on assets | 0.8212% | 4,296 |
| Return on Equity (ROE) | 8.6083% | 2,809 |
| Retained earnings to average equity (ytd only) | 6.5545% | 1,936 |
| Net charge-offs to loans | -0.0167% | 4,790 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8205% | 3,750 |
| Assets per employee ($millions) | 7.0355% | 938 |
| Cash dividends to net income (ytd only)* | 23.8585% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0732% | 497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 14.0146% | 5,676 |
| Net loans and leases to deposits | 15.3332% | 5,680 |
| Net loans and leases to core deposits | 15.4391% | 5,678 |
| Total domestic deposits to total assets | 91.4008% | 114 |
| Equity capital to assets | 8.1284% | 5,468 |
| Core capital (leverage) ratio | 8.2336% | 5,405 |
| Tier 1 risk-based capital ratio | 25.0000% | 750 |
| Total risk-based capital ratio | 25.9395% | 772 |
| Memoranda: | ||
| Average total assets | $51,791,000 | 5,181 |
| Average earning assets | $48,652,500 | 5,150 |
| Average equity | $4,414,250 | 5,413 |
| Average total loans | $7,945,750 | 5,640 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3561% | 5,694 |
| Cost of funding earning assets | 0.2288% | 4,726 |
| Net interest margin | 2.1273% | 5,666 |
| Noninterest income to average assets | 0.1829% | 5,136 |
| Noninterest expense to average assets | 1.4236% | 5,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6919% | 3,882 |
| Return on assets (ROA) | 0.6919% | 3,947 |
| Pretax return on assets | 0.7556% | 4,420 |
| Return on Equity (ROE) | 7.9804% | 3,045 |
| Retained earnings to average equity (ytd only) | 4.8616% | 2,805 |
| Net charge-offs to loans | -0.0253% | 4,876 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3285% | 3,459 |
| Assets per employee ($millions) | 6.4313% | 1,192 |
| Cash dividends to net income (ytd only)* | 39.0805% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0159% | 587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 15.7765% | 5,711 |
| Net loans and leases to deposits | 17.3849% | 5,719 |
| Net loans and leases to core deposits | 17.5166% | 5,722 |
| Total domestic deposits to total assets | 90.7483% | 280 |
| Equity capital to assets | 8.7133% | 5,130 |
| Core capital (leverage) ratio | 8.5139% | 5,208 |
| Tier 1 risk-based capital ratio | 25.4329% | 710 |
| Total risk-based capital ratio | 26.4131% | 722 |
| Memoranda: | ||
| Average total assets | $50,293,330 | 5,243 |
| Average earning assets | $47,196,000 | 5,213 |
| Average equity | $4,360,670 | 5,462 |
| Average total loans | $7,909,330 | 5,689 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2978% | 5,768 |
| Cost of funding earning assets | 0.2221% | 4,784 |
| Net interest margin | 2.0757% | 5,744 |
| Noninterest income to average assets | 0.1770% | 5,217 |
| Noninterest expense to average assets | 1.4402% | 5,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6195% | 4,067 |
| Return on assets (ROA) | 0.6195% | 4,119 |
| Pretax return on assets | 0.6919% | 4,478 |
| Return on Equity (ROE) | 7.1636% | 3,335 |
| Retained earnings to average equity (ytd only) | 7.1636% | 1,799 |
| Net charge-offs to loans | -0.0518% | 5,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5472% | 3,271 |
| Assets per employee ($millions) | 6.2489% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1836% | 488 |
| Loan loss allowance to noncurrent loans | 2,385.7143% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 5,294 |
| Noncurrent loans to loans | 0.0915% | 4,826 |
| Net loans and leases to total assets | 14.9647% | 5,785 |
| Net loans and leases to deposits | 16.4736% | 5,789 |
| Net loans and leases to core deposits | 16.5652% | 5,790 |
| Total domestic deposits to total assets | 90.8404% | 346 |
| Equity capital to assets | 8.7336% | 5,050 |
| Core capital (leverage) ratio | 8.6654% | 5,083 |
| Tier 1 risk-based capital ratio | 26.1517% | 679 |
| Total risk-based capital ratio | 27.1666% | 679 |
| Memoranda: | ||
| Average total assets | $49,715,000 | 5,316 |
| Average earning assets | $46,827,500 | 5,276 |
| Average equity | $4,299,500 | 5,528 |
| Average total loans | $7,722,000 | 5,763 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2520% | 5,810 |
| Cost of funding earning assets | 0.2179% | 4,855 |
| Net interest margin | 2.0341% | 5,799 |
| Noninterest income to average assets | 0.1971% | 5,232 |
| Noninterest expense to average assets | 1.6137% | 5,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4158% | 4,891 |
| Return on assets (ROA) | 0.4614% | 4,845 |
| Pretax return on assets | 0.5548% | 4,910 |
| Return on Equity (ROE) | 5.1659% | 4,341 |
| Retained earnings to average equity (ytd only) | 4.3922% | 2,789 |
| Net charge-offs to loans | 0.0473% | 3,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 61.5000% | 873 |
| Efficiency ratio | 76.3462% | 1,929 |
| Assets per employee ($millions) | 6.1799% | 1,342 |
| Cash dividends to net income (ytd only)* | 14.9780% | 3,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1293% | 522 |
| Loan loss allowance to noncurrent loans | 2,075.0000% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 5,328 |
| Noncurrent loans to loans | 0.1026% | 4,822 |
| Net loans and leases to total assets | 15.4332% | 5,840 |
| Net loans and leases to deposits | 16.9488% | 5,846 |
| Net loans and leases to core deposits | 17.0632% | 5,848 |
| Total domestic deposits to total assets | 91.0577% | 260 |
| Equity capital to assets | 8.5621% | 5,220 |
| Core capital (leverage) ratio | 8.3323% | 5,413 |
| Tier 1 risk-based capital ratio | 22.7258% | 994 |
| Total risk-based capital ratio | 23.6183% | 1,014 |
| Memoranda: | ||
| Average total assets | $49,203,200 | 5,363 |
| Average earning assets | $46,359,400 | 5,325 |
| Average equity | $4,394,200 | 5,572 |
| Average total loans | $8,457,600 | 5,800 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2534% | 5,880 |
| Cost of funding earning assets | 0.2161% | 4,913 |
| Net interest margin | 2.0373% | 5,867 |
| Noninterest income to average assets | 0.2035% | 5,255 |
| Noninterest expense to average assets | 1.4271% | 5,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5869% | 4,344 |
| Return on assets (ROA) | 0.6484% | 4,215 |
| Pretax return on assets | 0.7678% | 4,417 |
| Return on Equity (ROE) | 7.1859% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.1859% | 1,535 |
| Net charge-offs to loans | 0.0310% | 3,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 127.8352% | 536 |
| Efficiency ratio | 67.2634% | 3,373 |
| Assets per employee ($millions) | 6.3249% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0784% | 627 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 5,455 |
| Noncurrent loans to loans | 0.0990% | 4,946 |
| Net loans and leases to total assets | 15.6426% | 5,907 |
| Net loans and leases to deposits | 17.3092% | 5,918 |
| Net loans and leases to core deposits | 17.4239% | 5,914 |
| Total domestic deposits to total assets | 90.3714% | 356 |
| Equity capital to assets | 9.0081% | 5,168 |
| Core capital (leverage) ratio | 8.5438% | 5,325 |
| Tier 1 risk-based capital ratio | 25.8970% | 724 |
| Total risk-based capital ratio | 26.9152% | 728 |
| Memoranda: | ||
| Average total assets | $49,144,250 | 5,416 |
| Average earning assets | $46,269,500 | 5,378 |
| Average equity | $4,434,500 | 5,628 |
| Average total loans | $8,623,000 | 5,857 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2375% | 5,966 |
| Cost of funding earning assets | 0.2137% | 5,001 |
| Net interest margin | 2.0238% | 5,952 |
| Noninterest income to average assets | 0.2096% | 5,241 |
| Noninterest expense to average assets | 1.4386% | 5,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6142% | 4,208 |
| Return on assets (ROA) | 0.6741% | 4,074 |
| Pretax return on assets | 0.7439% | 4,481 |
| Return on Equity (ROE) | 7.4659% | 3,281 |
| Retained earnings to average equity (ytd only) | 7.4659% | 1,403 |
| Net charge-offs to loans | 0.0682% | 2,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 930 |
| Efficiency ratio | 67.9612% | 3,354 |
| Assets per employee ($millions) | 6.1061% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9615% | 799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 17.0874% | 5,971 |
| Net loans and leases to deposits | 18.9761% | 5,979 |
| Net loans and leases to core deposits | 19.1068% | 5,983 |
| Total domestic deposits to total assets | 90.0469% | 473 |
| Equity capital to assets | 9.2551% | 5,019 |
| Core capital (leverage) ratio | 8.4002% | 5,448 |
| Tier 1 risk-based capital ratio | 25.6931% | 746 |
| Total risk-based capital ratio | 26.7152% | 750 |
| Memoranda: | ||
| Average total assets | $48,659,330 | 5,489 |
| Average earning assets | $45,854,330 | 5,450 |
| Average equity | $4,393,330 | 5,700 |
| Average total loans | $8,803,000 | 5,933 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2145% | 6,031 |
| Cost of funding earning assets | 0.2101% | 5,106 |
| Net interest margin | 2.0044% | 6,015 |
| Noninterest income to average assets | 0.2059% | 5,264 |
| Noninterest expense to average assets | 1.4579% | 5,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5558% | 4,390 |
| Return on assets (ROA) | 0.5848% | 4,365 |
| Pretax return on assets | 0.6672% | 4,632 |
| Return on Equity (ROE) | 6.5596% | 3,695 |
| Retained earnings to average equity (ytd only) | 6.5596% | 2,102 |
| Net charge-offs to loans | 0.1341% | 1,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,289 |
| Efficiency ratio | 69.6850% | 3,189 |
| Assets per employee ($millions) | 6.1556% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8900% | 985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 17.6038% | 6,021 |
| Net loans and leases to deposits | 19.4673% | 6,035 |
| Net loans and leases to core deposits | 19.5994% | 6,034 |
| Total domestic deposits to total assets | 90.4275% | 451 |
| Equity capital to assets | 8.9451% | 5,222 |
| Core capital (leverage) ratio | 8.5562% | 5,341 |
| Tier 1 risk-based capital ratio | 24.7111% | 843 |
| Total risk-based capital ratio | 25.7163% | 852 |
| Memoranda: | ||
| Average total assets | $48,564,500 | 5,538 |
| Average earning assets | $45,698,500 | 5,502 |
| Average equity | $4,329,500 | 5,755 |
| Average total loans | $8,947,500 | 5,982 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2470% | 6,067 |
| Cost of funding earning assets | 0.2009% | 5,280 |
| Net interest margin | 2.0460% | 6,038 |
| Noninterest income to average assets | 0.2443% | 5,132 |
| Noninterest expense to average assets | 1.6328% | 5,893 |
| Loan and lease loss provision to assets | 0.0214% | 3,958 |
| Net operating income to assets | 0.4913% | 4,727 |
| Return on assets (ROA) | 0.5057% | 4,758 |
| Pretax return on assets | 0.5250% | 5,053 |
| Return on Equity (ROE) | 5.6481% | 4,209 |
| Retained earnings to average equity (ytd only) | 4.5711% | 2,726 |
| Net charge-offs to loans | 0.0983% | 2,434 |
| Credit loss provision to net charge-offs | 111.1111% | 2,273 |
| Earnings coverage of net charge-offs (x) | 27.5556% | 1,545 |
| Efficiency ratio | 75.4455% | 2,363 |
| Assets per employee ($millions) | 5.9855% | 1,401 |
| Cash dividends to net income (ytd only)* | 19.0678% | 3,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8766% | 998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 18.5636% | 6,071 |
| Net loans and leases to deposits | 20.5038% | 6,085 |
| Net loans and leases to core deposits | 20.6466% | 6,090 |
| Total domestic deposits to total assets | 90.5375% | 425 |
| Equity capital to assets | 8.8840% | 5,238 |
| Core capital (leverage) ratio | 8.2384% | 5,657 |
| Tier 1 risk-based capital ratio | 24.4440% | 864 |
| Total risk-based capital ratio | 25.4742% | 881 |
| Memoranda: | ||
| Average total assets | $46,667,800 | 5,618 |
| Average earning assets | $43,792,400 | 5,587 |
| Average equity | $4,178,400 | 5,823 |
| Average total loans | $9,153,000 | 6,029 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2350% | 6,162 |
| Cost of funding earning assets | 0.1993% | 5,377 |
| Net interest margin | 2.0357% | 6,130 |
| Noninterest income to average assets | 0.2502% | 5,146 |
| Noninterest expense to average assets | 1.4465% | 6,073 |
| Loan and lease loss provision to assets | 0.0144% | 3,985 |
| Net operating income to assets | 0.6396% | 4,182 |
| Return on assets (ROA) | 0.6528% | 4,225 |
| Pretax return on assets | 0.7132% | 4,641 |
| Return on Equity (ROE) | 7.2764% | 3,482 |
| Retained earnings to average equity (ytd only) | 5.8339% | 2,345 |
| Net charge-offs to loans | 0.1308% | 1,830 |
| Credit loss provision to net charge-offs | 55.5556% | 2,965 |
| Earnings coverage of net charge-offs (x) | 27.5550% | 1,579 |
| Efficiency ratio | 66.9774% | 3,718 |
| Assets per employee ($millions) | 5.2971% | 1,955 |
| Cash dividends to net income (ytd only)* | 19.8242% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7475% | 1,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 19.4592% | 6,144 |
| Net loans and leases to deposits | 21.5169% | 6,166 |
| Net loans and leases to core deposits | 21.7433% | 6,171 |
| Total domestic deposits to total assets | 90.4371% | 406 |
| Equity capital to assets | 8.9651% | 5,338 |
| Core capital (leverage) ratio | 8.6377% | 5,422 |
| Tier 1 risk-based capital ratio | 23.7016% | 978 |
| Total risk-based capital ratio | 24.6732% | 997 |
| Memoranda: | ||
| Average total assets | $46,363,750 | 5,698 |
| Average earning assets | $43,488,250 | 5,670 |
| Average equity | $4,159,500 | 5,908 |
| Average total loans | $9,176,500 | 6,112 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2524% | 6,230 |
| Cost of funding earning assets | 0.1955% | 5,481 |
| Net interest margin | 2.0570% | 6,191 |
| Noninterest income to average assets | 0.2526% | 5,144 |
| Noninterest expense to average assets | 1.4501% | 6,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6639% | 4,061 |
| Return on assets (ROA) | 0.6837% | 4,079 |
| Pretax return on assets | 0.7490% | 4,499 |
| Return on Equity (ROE) | 7.6189% | 3,255 |
| Retained earnings to average equity (ytd only) | 5.4351% | 2,576 |
| Net charge-offs to loans | 0.1540% | 1,560 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 23.8571% | 1,592 |
| Efficiency ratio | 66.6000% | 3,898 |
| Assets per employee ($millions) | 4.9694% | 2,313 |
| Cash dividends to net income (ytd only)* | 28.6624% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 1,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 20.7624% | 6,199 |
| Net loans and leases to deposits | 23.0222% | 6,220 |
| Net loans and leases to core deposits | 23.2814% | 6,223 |
| Total domestic deposits to total assets | 90.1845% | 586 |
| Equity capital to assets | 9.2320% | 4,978 |
| Core capital (leverage) ratio | 8.6492% | 5,374 |
| Tier 1 risk-based capital ratio | 23.9595% | 960 |
| Total risk-based capital ratio | 24.9409% | 971 |
| Memoranda: | ||
| Average total assets | $45,927,000 | 5,770 |
| Average earning assets | $42,976,000 | 5,741 |
| Average equity | $4,121,330 | 5,973 |
| Average total loans | $9,088,000 | 6,181 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1919% | 6,309 |
| Cost of funding earning assets | 0.1926% | 5,572 |
| Net interest margin | 1.9993% | 6,274 |
| Noninterest income to average assets | 0.2407% | 5,248 |
| Noninterest expense to average assets | 1.4013% | 6,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5846% | 4,342 |
| Return on assets (ROA) | 0.5846% | 4,444 |
| Pretax return on assets | 0.7135% | 4,550 |
| Return on Equity (ROE) | 6.6060% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.6060% | 2,189 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2602% | 4,108 |
| Assets per employee ($millions) | 5.8780% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8573% | 1,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 18.9903% | 6,279 |
| Net loans and leases to deposits | 20.9974% | 6,296 |
| Net loans and leases to core deposits | 20.9974% | 6,302 |
| Total domestic deposits to total assets | 90.4411% | 548 |
| Equity capital to assets | 8.9082% | 5,387 |
| Core capital (leverage) ratio | 8.5567% | 5,467 |
| Tier 1 risk-based capital ratio | 24.1731% | 976 |
| Total risk-based capital ratio | 25.2044% | 986 |
| Memoranda: | ||
| Average total assets | $46,528,000 | 5,806 |
| Average earning assets | $43,616,000 | 5,765 |
| Average equity | $4,117,500 | 6,027 |
| Average total loans | $8,908,000 | 6,257 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2110% | 6,400 |
| Cost of funding earning assets | 0.1936% | 5,800 |
| Net interest margin | 2.0174% | 6,367 |
| Noninterest income to average assets | 0.2492% | 5,341 |
| Noninterest expense to average assets | 1.5487% | 6,272 |
| Loan and lease loss provision to assets | 0.0223% | 4,171 |
| Net operating income to assets | 0.5075% | 4,785 |
| Return on assets (ROA) | 0.5096% | 4,859 |
| Pretax return on assets | 0.5585% | 5,077 |
| Return on Equity (ROE) | 5.9598% | 4,173 |
| Retained earnings to average equity (ytd only) | 0.7027% | 5,451 |
| Net charge-offs to loans | 0.1519% | 2,520 |
| Credit loss provision to net charge-offs | 76.9231% | 2,926 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,742 |
| Efficiency ratio | 72.8033% | 3,070 |
| Assets per employee ($millions) | 5.7540% | 1,557 |
| Cash dividends to net income (ytd only)* | 88.2096% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9387% | 1,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 18.5697% | 6,384 |
| Net loans and leases to deposits | 20.4860% | 6,402 |
| Net loans and leases to core deposits | 20.4860% | 6,399 |
| Total domestic deposits to total assets | 90.6456% | 482 |
| Equity capital to assets | 8.7895% | 5,499 |
| Core capital (leverage) ratio | 8.3969% | 5,664 |
| Tier 1 risk-based capital ratio | 25.6576% | 788 |
| Total risk-based capital ratio | 26.7860% | 783 |
| Memoranda: | ||
| Average total assets | $44,940,000 | 5,908 |
| Average earning assets | $41,835,800 | 5,877 |
| Average equity | $3,842,400 | 6,121 |
| Average total loans | $8,560,200 | 6,350 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1866% | 6,482 |
| Cost of funding earning assets | 0.1959% | 5,868 |
| Net interest margin | 1.9908% | 6,451 |
| Noninterest income to average assets | 0.2418% | 5,475 |
| Noninterest expense to average assets | 1.3731% | 6,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6602% | 4,160 |
| Return on assets (ROA) | 0.6657% | 4,225 |
| Pretax return on assets | 0.7254% | 4,606 |
| Return on Equity (ROE) | 7.8420% | 3,290 |
| Retained earnings to average equity (ytd only) | 5.4857% | 2,770 |
| Net charge-offs to loans | 0.1408% | 2,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 26.7775% | 1,476 |
| Efficiency ratio | 65.6205% | 4,270 |
| Assets per employee ($millions) | 5.5934% | 1,644 |
| Cash dividends to net income (ytd only)* | 30.0441% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8759% | 1,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 19.0538% | 6,462 |
| Net loans and leases to deposits | 21.1427% | 6,482 |
| Net loans and leases to core deposits | 21.3070% | 6,477 |
| Total domestic deposits to total assets | 90.1200% | 676 |
| Equity capital to assets | 9.3124% | 5,024 |
| Core capital (leverage) ratio | 8.7021% | 5,434 |
| Tier 1 risk-based capital ratio | 22.9821% | 1,112 |
| Total risk-based capital ratio | 23.9252% | 1,144 |
| Memoranda: | ||
| Average total assets | $44,667,000 | 5,984 |
| Average earning assets | $41,524,250 | 5,955 |
| Average equity | $3,791,500 | 6,198 |
| Average total loans | $8,521,000 | 6,427 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1516% | 6,555 |
| Cost of funding earning assets | 0.1974% | 5,935 |
| Net interest margin | 1.9543% | 6,531 |
| Noninterest income to average assets | 0.2285% | 5,570 |
| Noninterest expense to average assets | 1.3710% | 6,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6235% | 4,228 |
| Return on assets (ROA) | 0.6317% | 4,297 |
| Pretax return on assets | 0.6855% | 4,695 |
| Return on Equity (ROE) | 7.6916% | 3,271 |
| Retained earnings to average equity (ytd only) | 4.0367% | 3,608 |
| Net charge-offs to loans | 0.2126% | 1,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 16.7778% | 1,770 |
| Efficiency ratio | 66.9584% | 4,204 |
| Assets per employee ($millions) | 5.7624% | 1,465 |
| Cash dividends to net income (ytd only)* | 47.5177% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9565% | 1,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 17.7184% | 6,543 |
| Net loans and leases to deposits | 19.5234% | 6,559 |
| Net loans and leases to core deposits | 19.6691% | 6,555 |
| Total domestic deposits to total assets | 90.7547% | 488 |
| Equity capital to assets | 8.7572% | 5,559 |
| Core capital (leverage) ratio | 8.7724% | 5,301 |
| Tier 1 risk-based capital ratio | 26.4712% | 736 |
| Total risk-based capital ratio | 27.5801% | 730 |
| Memoranda: | ||
| Average total assets | $44,640,330 | 6,041 |
| Average earning assets | $41,549,670 | 6,012 |
| Average equity | $3,666,330 | 6,266 |
| Average total loans | $8,465,000 | 6,489 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1445% | 6,632 |
| Cost of funding earning assets | 0.1958% | 6,035 |
| Net interest margin | 1.9486% | 6,603 |
| Noninterest income to average assets | 0.2095% | 5,683 |
| Noninterest expense to average assets | 1.4575% | 6,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4919% | 4,728 |
| Return on assets (ROA) | 0.4919% | 4,808 |
| Pretax return on assets | 0.5648% | 4,965 |
| Return on Equity (ROE) | 6.2051% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.2051% | 2,433 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0721% | 3,474 |
| Assets per employee ($millions) | 5.7684% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9984% | 1,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 18.2785% | 6,609 |
| Net loans and leases to deposits | 20.0628% | 6,624 |
| Net loans and leases to core deposits | 20.2935% | 6,616 |
| Total domestic deposits to total assets | 91.1067% | 533 |
| Equity capital to assets | 8.5336% | 5,620 |
| Core capital (leverage) ratio | 8.6727% | 5,424 |
| Tier 1 risk-based capital ratio | 25.7914% | 803 |
| Total risk-based capital ratio | 26.9354% | 796 |
| Memoranda: | ||
| Average total assets | $43,911,000 | 6,120 |
| Average earning assets | $40,849,500 | 6,085 |
| Average equity | $3,481,000 | 6,346 |
| Average total loans | $8,532,000 | 6,556 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6035% | 6,587 |
| Cost of funding earning assets | 0.2592% | 5,914 |
| Net interest margin | 2.3443% | 6,490 |
| Noninterest income to average assets | 0.3018% | 5,190 |
| Noninterest expense to average assets | 1.7703% | 6,373 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4993% | 4,738 |
| Return on assets (ROA) | 0.5205% | 4,776 |
| Pretax return on assets | 0.5557% | 5,028 |
| Return on Equity (ROE) | 6.7095% | 3,718 |
| Retained earnings to average equity (ytd only) | 4.4730% | 2,994 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8559% | 2,646 |
| Assets per employee ($millions) | 5.2094% | 1,951 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0338% | 1,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 19.8800% | 6,670 |
| Net loans and leases to deposits | 21.4949% | 6,691 |
| Net loans and leases to core deposits | 21.7643% | 6,692 |
| Total domestic deposits to total assets | 92.4871% | 194 |
| Equity capital to assets | 7.2561% | 6,381 |
| Core capital (leverage) ratio | 7.0099% | 6,528 |
| Tier 1 risk-based capital ratio | 21.5690% | 1,322 |
| Total risk-based capital ratio | 22.7991% | 1,309 |
| Memoranda: | ||
| Average total assets | $39,767,600 | 6,296 |
| Average earning assets | $33,954,400 | 6,351 |
| Average equity | $3,085,200 | 6,521 |
| Average total loans | $8,813,800 | 6,628 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7017% | 6,623 |
| Cost of funding earning assets | 0.2771% | 5,910 |
| Net interest margin | 2.4246% | 6,494 |
| Noninterest income to average assets | 0.2986% | 5,307 |
| Noninterest expense to average assets | 1.5508% | 6,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6854% | 3,928 |
| Return on assets (ROA) | 0.7126% | 3,927 |
| Pretax return on assets | 0.7974% | 4,301 |
| Return on Equity (ROE) | 9.0305% | 2,614 |
| Retained earnings to average equity (ytd only) | 9.0305% | 1,045 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9107% | 4,324 |
| Assets per employee ($millions) | 5.3584% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9723% | 1,792 |
| 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 | 19.9431% | 6,750 |
| Net loans and leases to deposits | 21.5731% | 6,776 |
| Net loans and leases to core deposits | 21.8360% | 6,775 |
| Total domestic deposits to total assets | 92.4441% | 188 |
| Equity capital to assets | 7.2573% | 6,476 |
| Core capital (leverage) ratio | 7.3918% | 6,485 |
| Tier 1 risk-based capital ratio | 21.3791% | 1,426 |
| Total risk-based capital ratio | 22.5699% | 1,398 |
| Memoranda: | ||
| Average total assets | $39,290,750 | 6,376 |
| Average earning assets | $32,719,000 | 6,453 |
| Average equity | $3,100,500 | 6,590 |
| Average total loans | $8,903,000 | 6,699 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9400% | 6,499 |
| Cost of funding earning assets | 0.3091% | 5,754 |
| Net interest margin | 2.6309% | 6,296 |
| Noninterest income to average assets | 0.3045% | 5,278 |
| Noninterest expense to average assets | 1.5644% | 6,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7093% | 3,760 |
| Return on assets (ROA) | 0.7402% | 3,774 |
| Pretax return on assets | 0.8767% | 4,001 |
| Return on Equity (ROE) | 9.1056% | 2,564 |
| Retained earnings to average equity (ytd only) | 9.1056% | 1,081 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0655% | 4,698 |
| Assets per employee ($millions) | 4.8890% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8866% | 2,151 |
| 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 | 22.8702% | 6,746 |
| Net loans and leases to deposits | 24.9164% | 6,790 |
| Net loans and leases to core deposits | 25.2512% | 6,791 |
| Total domestic deposits to total assets | 91.7877% | 299 |
| Equity capital to assets | 7.8262% | 6,306 |
| Core capital (leverage) ratio | 7.4994% | 6,453 |
| Tier 1 risk-based capital ratio | 21.7893% | 1,329 |
| Total risk-based capital ratio | 23.0303% | 1,303 |
| Memoranda: | ||
| Average total assets | $38,098,670 | 6,452 |
| Average earning assets | $30,408,330 | 6,550 |
| Average equity | $3,097,000 | 6,637 |
| Average total loans | $8,963,670 | 6,744 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9794% | 6,535 |
| Cost of funding earning assets | 0.3474% | 5,560 |
| Net interest margin | 2.6320% | 6,328 |
| Noninterest income to average assets | 0.2979% | 5,325 |
| Noninterest expense to average assets | 1.7025% | 6,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5554% | 4,428 |
| Return on assets (ROA) | 0.6065% | 4,341 |
| Pretax return on assets | 0.7555% | 4,350 |
| Return on Equity (ROE) | 7.3194% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.3194% | 2,021 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1111% | 3,769 |
| Assets per employee ($millions) | 4.9403% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9852% | 2,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 21.4868% | 6,831 |
| Net loans and leases to deposits | 23.4787% | 6,871 |
| Net loans and leases to core deposits | 23.7918% | 6,870 |
| Total domestic deposits to total assets | 91.5161% | 349 |
| Equity capital to assets | 7.9500% | 6,407 |
| Core capital (leverage) ratio | 7.8340% | 6,261 |
| Tier 1 risk-based capital ratio | 21.3703% | 1,455 |
| Total risk-based capital ratio | 22.6227% | 1,430 |
| Memoranda: | ||
| Average total assets | $37,592,000 | 6,532 |
| Average earning assets | $29,939,000 | 6,620 |
| Average equity | $3,115,000 | 6,696 |
| Average total loans | $8,887,000 | 6,817 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3833% | 6,503 |
| Cost of funding earning assets | 0.4983% | 5,229 |
| Net interest margin | 2.8850% | 6,250 |
| Noninterest income to average assets | 0.3694% | 4,836 |
| Noninterest expense to average assets | 2.0880% | 6,152 |
| Loan and lease loss provision to assets | 0.0153% | 5,712 |
| Net operating income to assets | 0.5954% | 4,262 |
| Return on assets (ROA) | 0.5983% | 4,506 |
| Pretax return on assets | 0.6197% | 4,931 |
| Return on Equity (ROE) | 6.3120% | 4,012 |
| Retained earnings to average equity (ytd only) | 0.7407% | 5,492 |
| Net charge-offs to loans | 0.0219% | 5,593 |
| Credit loss provision to net charge-offs | 250.0000% | 973 |
| Earnings coverage of net charge-offs (x) | 103.5000% | 373 |
| Efficiency ratio | 76.7677% | 2,630 |
| Assets per employee ($millions) | 4.4578% | 3,041 |
| Cash dividends to net income (ytd only)* | 88.2653% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8880% | 2,328 |
| 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 | 25.0631% | 6,835 |
| Net loans and leases to deposits | 27.6222% | 6,882 |
| Net loans and leases to core deposits | 27.6222% | 6,892 |
| Total domestic deposits to total assets | 90.7352% | 599 |
| Equity capital to assets | 8.6591% | 5,897 |
| Core capital (leverage) ratio | 8.5380% | 5,560 |
| Tier 1 risk-based capital ratio | 21.4584% | 1,372 |
| Total risk-based capital ratio | 22.7110% | 1,340 |
| Memoranda: | ||
| Average total assets | $32,758,000 | 6,687 |
| Average earning assets | $26,689,800 | 6,748 |
| Average equity | $3,105,200 | 6,765 |
| Average total loans | $9,123,400 | 6,877 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4103% | 6,618 |
| Cost of funding earning assets | 0.5067% | 5,396 |
| Net interest margin | 2.9036% | 6,355 |
| Noninterest income to average assets | 0.3746% | 4,830 |
| Noninterest expense to average assets | 1.9189% | 6,490 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7994% | 3,458 |
| Return on assets (ROA) | 0.8034% | 3,681 |
| Pretax return on assets | 0.8450% | 4,321 |
| Return on Equity (ROE) | 8.2756% | 3,149 |
| Retained earnings to average equity (ytd only) | 5.3169% | 3,143 |
| Net charge-offs to loans | 0.0293% | 5,250 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 100.8727% | 422 |
| Efficiency ratio | 69.5324% | 3,783 |
| Assets per employee ($millions) | 4.1385% | 3,600 |
| Cash dividends to net income (ytd only)* | 35.7518% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8384% | 2,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 26.9331% | 6,900 |
| Net loans and leases to deposits | 30.0489% | 6,949 |
| Net loans and leases to core deposits | 30.0489% | 6,966 |
| Total domestic deposits to total assets | 89.6309% | 1,054 |
| Equity capital to assets | 9.6925% | 4,932 |
| Core capital (leverage) ratio | 8.8050% | 5,342 |
| Tier 1 risk-based capital ratio | 22.8696% | 1,188 |
| Total risk-based capital ratio | 24.1210% | 1,168 |
| Memoranda: | ||
| Average total assets | $32,032,000 | 6,791 |
| Average earning assets | $26,311,750 | 6,842 |
| Average equity | $3,109,500 | 6,845 |
| Average total loans | $9,126,750 | 6,970 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4390% | 6,686 |
| Cost of funding earning assets | 0.5101% | 5,557 |
| Net interest margin | 2.9289% | 6,380 |
| Noninterest income to average assets | 0.3789% | 4,806 |
| Noninterest expense to average assets | 1.9322% | 6,544 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8148% | 3,330 |
| Return on assets (ROA) | 0.8209% | 3,555 |
| Pretax return on assets | 0.8461% | 4,291 |
| Return on Equity (ROE) | 8.4516% | 3,039 |
| Retained earnings to average equity (ytd only) | 3.9658% | 3,973 |
| Net charge-offs to loans | 0.0656% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 44.3333% | 810 |
| Efficiency ratio | 69.7039% | 3,812 |
| Assets per employee ($millions) | 3.7696% | 4,388 |
| Cash dividends to net income (ytd only)* | 53.0769% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 3,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 28.1613% | 6,926 |
| Net loans and leases to deposits | 31.2355% | 6,981 |
| Net loans and leases to core deposits | 31.8297% | 6,992 |
| Total domestic deposits to total assets | 90.1580% | 838 |
| Equity capital to assets | 9.1994% | 5,461 |
| Core capital (leverage) ratio | 8.9571% | 4,972 |
| Tier 1 risk-based capital ratio | 21.2150% | 1,439 |
| Total risk-based capital ratio | 22.4227% | 1,423 |
| Memoranda: | ||
| Average total assets | $31,673,330 | 6,853 |
| Average earning assets | $25,879,670 | 6,906 |
| Average equity | $3,076,330 | 6,894 |
| Average total loans | $9,141,000 | 7,034 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 6,677 |
| Cost of funding earning assets | 0.5345% | 5,586 |
| Net interest margin | 2.9800% | 6,341 |
| Noninterest income to average assets | 0.3666% | 4,937 |
| Noninterest expense to average assets | 2.0035% | 6,456 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6940% | 3,918 |
| Return on assets (ROA) | 0.6940% | 4,136 |
| Pretax return on assets | 0.7726% | 4,519 |
| Return on Equity (ROE) | 6.9417% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.9417% | 2,465 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1698% | 3,410 |
| Assets per employee ($millions) | 3.5501% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9157% | 2,633 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 6,804 |
| Noncurrent loans to loans | 0.1474% | 6,386 |
| Net loans and leases to total assets | 27.0821% | 7,001 |
| Net loans and leases to deposits | 30.1488% | 7,053 |
| Net loans and leases to core deposits | 30.7597% | 7,061 |
| Total domestic deposits to total assets | 89.8282% | 1,171 |
| Equity capital to assets | 9.6210% | 4,624 |
| Core capital (leverage) ratio | 9.2215% | 4,479 |
| Tier 1 risk-based capital ratio | 22.6780% | 1,178 |
| Total risk-based capital ratio | 23.9258% | 1,157 |
| Memoranda: | ||
| Average total assets | $30,547,000 | 6,931 |
| Average earning assets | $24,698,000 | 6,995 |
| Average equity | $3,054,000 | 6,949 |
| Average total loans | $8,851,500 | 7,105 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 6,464 |
| Cost of funding earning assets | 0.6567% | 5,786 |
| Net interest margin | 3.3368% | 5,700 |
| Noninterest income to average assets | 0.4488% | 4,222 |
| Noninterest expense to average assets | 2.5660% | 5,218 |
| Loan and lease loss provision to assets | 0.0192% | 6,330 |
| Net operating income to assets | 0.7633% | 3,202 |
| Return on assets (ROA) | 0.7748% | 3,319 |
| Pretax return on assets | 0.7595% | 4,121 |
| Return on Equity (ROE) | 6.6812% | 3,548 |
| Retained earnings to average equity (ytd only) | 0.9592% | 5,411 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9850% | 2,746 |
| Assets per employee ($millions) | 3.2381% | 5,635 |
| Cash dividends to net income (ytd only)* | 85.6436% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9029% | 2,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 29.8940% | 7,007 |
| Net loans and leases to deposits | 33.6046% | 7,055 |
| Net loans and leases to core deposits | 34.3587% | 7,072 |
| Total domestic deposits to total assets | 88.9579% | 1,563 |
| Equity capital to assets | 10.4107% | 3,639 |
| Core capital (leverage) ratio | 10.5261% | 2,693 |
| Tier 1 risk-based capital ratio | 23.0744% | 1,092 |
| Total risk-based capital ratio | 24.3272% | 1,076 |
| Memoranda: | ||
| Average total assets | $26,071,200 | 7,069 |
| Average earning assets | $22,536,400 | 7,091 |
| Average equity | $3,023,400 | 7,005 |
| Average total loans | $8,800,400 | 7,153 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0570% | 6,491 |
| Cost of funding earning assets | 0.7131% | 5,684 |
| Net interest margin | 3.3439% | 5,737 |
| Noninterest income to average assets | 0.4531% | 4,274 |
| Noninterest expense to average assets | 2.3659% | 5,862 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9964% | 2,338 |
| Return on assets (ROA) | 1.0117% | 2,433 |
| Pretax return on assets | 1.0433% | 3,236 |
| Return on Equity (ROE) | 8.4744% | 2,838 |
| Retained earnings to average equity (ytd only) | 5.4291% | 2,891 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7205% | 3,997 |
| Assets per employee ($millions) | 2.8912% | 6,325 |
| Cash dividends to net income (ytd only)* | 35.9389% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8508% | 2,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 33.4230% | 6,980 |
| Net loans and leases to deposits | 38.3533% | 7,024 |
| Net loans and leases to core deposits | 39.3387% | 7,054 |
| Total domestic deposits to total assets | 87.1450% | 2,555 |
| Equity capital to assets | 12.0864% | 2,184 |
| Core capital (leverage) ratio | 11.3712% | 2,114 |
| Tier 1 risk-based capital ratio | 25.5325% | 871 |
| Total risk-based capital ratio | 26.7879% | 858 |
| Memoranda: | ||
| Average total assets | $25,303,250 | 7,167 |
| Average earning assets | $22,249,000 | 7,170 |
| Average equity | $3,020,750 | 7,066 |
| Average total loans | $8,780,250 | 7,224 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1031% | 6,488 |
| Cost of funding earning assets | 0.7716% | 5,552 |
| Net interest margin | 3.3315% | 5,768 |
| Noninterest income to average assets | 0.4469% | 4,308 |
| Noninterest expense to average assets | 2.3779% | 5,910 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9820% | 2,299 |
| Return on assets (ROA) | 1.0054% | 2,305 |
| Pretax return on assets | 1.0214% | 3,157 |
| Return on Equity (ROE) | 8.4583% | 2,734 |
| Retained earnings to average equity (ytd only) | 3.8264% | 3,776 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4492% | 4,029 |
| Assets per employee ($millions) | 2.7618% | 6,537 |
| Cash dividends to net income (ytd only)* | 54.7619% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 2,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 34.6999% | 7,028 |
| Net loans and leases to deposits | 39.8789% | 7,068 |
| Net loans and leases to core deposits | 40.9894% | 7,101 |
| Total domestic deposits to total assets | 87.0132% | 2,730 |
| Equity capital to assets | 12.2063% | 1,963 |
| Core capital (leverage) ratio | 11.4078% | 1,969 |
| Tier 1 risk-based capital ratio | 25.4186% | 860 |
| Total risk-based capital ratio | 26.6702% | 845 |
| Memoranda: | ||
| Average total assets | $25,064,000 | 7,235 |
| Average earning assets | $22,032,000 | 7,244 |
| Average equity | $2,979,330 | 7,133 |
| Average total loans | $8,753,330 | 7,292 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0867% | 6,524 |
| Cost of funding earning assets | 0.7845% | 5,646 |
| Net interest margin | 3.3022% | 5,769 |
| Noninterest income to average assets | 0.4291% | 4,458 |
| Noninterest expense to average assets | 2.3999% | 5,883 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8264% | 2,899 |
| Return on assets (ROA) | 0.8264% | 2,962 |
| Pretax return on assets | 0.9059% | 3,472 |
| Return on Equity (ROE) | 7.0461% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.0461% | 2,126 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5962% | 3,752 |
| Assets per employee ($millions) | 2.8110% | 6,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9353% | 2,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 32.8471% | 7,132 |
| Net loans and leases to deposits | 37.4561% | 7,183 |
| Net loans and leases to core deposits | 38.4366% | 7,210 |
| Total domestic deposits to total assets | 87.6952% | 2,559 |
| Equity capital to assets | 11.7475% | 2,077 |
| Core capital (leverage) ratio | 11.2743% | 1,982 |
| Tier 1 risk-based capital ratio | 25.4576% | 832 |
| Total risk-based capital ratio | 26.7132% | 813 |
| Memoranda: | ||
| Average total assets | $25,168,000 | 7,284 |
| Average earning assets | $21,925,000 | 7,297 |
| Average equity | $2,952,000 | 7,181 |
| Average total loans | $8,735,500 | 7,350 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3611% | 6,687 |
| Cost of funding earning assets | 0.8750% | 6,272 |
| Net interest margin | 3.4861% | 5,302 |
| Noninterest income to average assets | 0.4712% | 4,377 |
| Noninterest expense to average assets | 2.7869% | 4,652 |
| Loan and lease loss provision to assets | 0.0201% | 6,911 |
| Net operating income to assets | 0.6726% | 3,331 |
| Return on assets (ROA) | 0.6766% | 3,455 |
| Pretax return on assets | 0.6685% | 4,099 |
| Return on Equity (ROE) | 5.6493% | 3,760 |
| Retained earnings to average equity (ytd only) | 1.5805% | 4,734 |
| Net charge-offs to loans | 0.0252% | 6,557 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 286 |
| Efficiency ratio | 80.2784% | 2,377 |
| Assets per employee ($millions) | 2.5037% | 7,006 |
| Cash dividends to net income (ytd only)* | 72.0238% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 2,787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 35.2798% | 7,190 |
| Net loans and leases to deposits | 40.2506% | 7,246 |
| Net loans and leases to core deposits | 41.3143% | 7,278 |
| Total domestic deposits to total assets | 87.6503% | 2,450 |
| Equity capital to assets | 11.7107% | 2,117 |
| Core capital (leverage) ratio | 10.5738% | 2,489 |
| Tier 1 risk-based capital ratio | 24.0126% | 933 |
| Total risk-based capital ratio | 25.2612% | 915 |
| Memoranda: | ||
| Average total assets | $24,830,400 | 7,352 |
| Average earning assets | $21,370,800 | 7,367 |
| Average equity | $2,973,800 | 7,286 |
| Average total loans | $7,947,000 | 7,468 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3915% | 6,829 |
| Cost of funding earning assets | 0.8947% | 6,412 |
| Net interest margin | 3.4968% | 5,306 |
| Noninterest income to average assets | 0.4681% | 4,430 |
| Noninterest expense to average assets | 2.5343% | 5,586 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9040% | 2,592 |
| Return on assets (ROA) | 0.9040% | 2,737 |
| Pretax return on assets | 0.9201% | 3,494 |
| Return on Equity (ROE) | 7.5057% | 3,103 |
| Retained earnings to average equity (ytd only) | 5.1825% | 2,856 |
| Net charge-offs to loans | 0.0347% | 6,213 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 85.3895% | 362 |
| Efficiency ratio | 73.3645% | 3,449 |
| Assets per employee ($millions) | 2.5869% | 6,962 |
| Cash dividends to net income (ytd only)* | 30.9523% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8969% | 2,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 31.7871% | 7,416 |
| Net loans and leases to deposits | 36.3978% | 7,462 |
| Net loans and leases to core deposits | 37.3298% | 7,478 |
| Total domestic deposits to total assets | 87.3323% | 2,352 |
| Equity capital to assets | 11.9216% | 2,206 |
| Core capital (leverage) ratio | 11.3250% | 2,051 |
| Tier 1 risk-based capital ratio | 25.3281% | 839 |
| Total risk-based capital ratio | 26.5792% | 817 |
| Memoranda: | ||
| Average total assets | $24,778,750 | 7,446 |
| Average earning assets | $21,161,500 | 7,468 |
| Average equity | $2,984,250 | 7,375 |
| Average total loans | $7,684,500 | 7,577 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 6,799 |
| Cost of funding earning assets | 0.9210% | 6,494 |
| Net interest margin | 3.5303% | 5,125 |
| Noninterest income to average assets | 0.4669% | 4,380 |
| Noninterest expense to average assets | 2.5558% | 5,500 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9256% | 2,450 |
| Return on assets (ROA) | 0.9338% | 2,515 |
| Pretax return on assets | 0.9338% | 3,370 |
| Return on Equity (ROE) | 7.7262% | 3,000 |
| Retained earnings to average equity (ytd only) | 4.2020% | 3,394 |
| Net charge-offs to loans | 0.0537% | 5,630 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 539 |
| Efficiency ratio | 73.4118% | 3,573 |
| Assets per employee ($millions) | 2.5065% | 7,090 |
| Cash dividends to net income (ytd only)* | 45.6140% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0556% | 2,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 30.2254% | 7,530 |
| Net loans and leases to deposits | 34.6110% | 7,562 |
| Net loans and leases to core deposits | 35.5247% | 7,574 |
| Total domestic deposits to total assets | 87.3289% | 2,369 |
| Equity capital to assets | 11.9449% | 2,128 |
| Core capital (leverage) ratio | 11.5563% | 1,879 |
| Tier 1 risk-based capital ratio | 26.0332% | 767 |
| Total risk-based capital ratio | 27.2886% | 760 |
| Memoranda: | ||
| Average total assets | $24,415,330 | 7,520 |
| Average earning assets | $20,848,000 | 7,535 |
| Average equity | $2,951,000 | 7,429 |
| Average total loans | $7,452,000 | 7,645 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 6,947 |
| Cost of funding earning assets | 0.9432% | 6,606 |
| Net interest margin | 3.4840% | 5,224 |
| Noninterest income to average assets | 0.4815% | 4,191 |
| Noninterest expense to average assets | 2.7231% | 4,800 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6808% | 3,519 |
| Return on assets (ROA) | 0.6808% | 3,639 |
| Pretax return on assets | 0.7638% | 4,015 |
| Return on Equity (ROE) | 5.5982% | 4,066 |
| Retained earnings to average equity (ytd only) | 5.5982% | 2,814 |
| Net charge-offs to loans | 0.1094% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,067 |
| Efficiency ratio | 78.0952% | 2,878 |
| Assets per employee ($millions) | 2.4228% | 7,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2219% | 1,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 28.8798% | 7,652 |
| Net loans and leases to deposits | 33.1439% | 7,681 |
| Net loans and leases to core deposits | 34.0503% | 7,682 |
| Total domestic deposits to total assets | 87.1347% | 2,558 |
| Equity capital to assets | 12.2049% | 1,929 |
| Core capital (leverage) ratio | 11.5336% | 1,891 |
| Tier 1 risk-based capital ratio | 24.2250% | 946 |
| Total risk-based capital ratio | 25.4787% | 924 |
| Memoranda: | ||
| Average total assets | $24,090,500 | 7,624 |
| Average earning assets | $20,781,000 | 7,627 |
| Average equity | $2,929,500 | 7,514 |
| Average total loans | $7,310,500 | 7,749 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8009% | 6,951 |
| Cost of funding earning assets | 1.1409% | 6,846 |
| Net interest margin | 3.6599% | 4,311 |
| Noninterest income to average assets | 0.4874% | 4,507 |
| Noninterest expense to average assets | 2.9420% | 4,374 |
| Loan and lease loss provision to assets | 0.0435% | 7,121 |
| Net operating income to assets | 0.6894% | 2,979 |
| Return on assets (ROA) | 0.7225% | 2,917 |
| Pretax return on assets | 0.7616% | 3,370 |
| Return on Equity (ROE) | 5.7301% | 3,316 |
| Retained earnings to average equity (ytd only) | 0.3452% | 4,718 |
| Net charge-offs to loans | -0.0134% | 7,767 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2497% | 3,000 |
| Assets per employee ($millions) | 2.3953% | 7,356 |
| Cash dividends to net income (ytd only)* | 93.9759% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1567% | 1,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 30.4930% | 7,699 |
| Net loans and leases to deposits | 34.9691% | 7,743 |
| Net loans and leases to core deposits | 38.1450% | 7,789 |
| Total domestic deposits to total assets | 87.1999% | 2,389 |
| Equity capital to assets | 12.1154% | 1,966 |
| Core capital (leverage) ratio | 11.4343% | 1,954 |
| Tier 1 risk-based capital ratio | 26.6086% | 721 |
| Total risk-based capital ratio | 27.8629% | 708 |
| Memoranda: | ||
| Average total assets | $22,977,200 | 7,702 |
| Average earning assets | $20,246,400 | 7,707 |
| Average equity | $2,897,000 | 7,618 |
| Average total loans | $7,457,400 | 7,804 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8599% | 6,988 |
| Cost of funding earning assets | 1.1867% | 6,927 |
| Net interest margin | 3.6733% | 4,190 |
| Noninterest income to average assets | 0.4868% | 4,605 |
| Noninterest expense to average assets | 2.6862% | 5,385 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9759% | 2,144 |
| Return on assets (ROA) | 1.0205% | 2,059 |
| Pretax return on assets | 1.0791% | 2,641 |
| Return on Equity (ROE) | 8.0114% | 2,627 |
| Retained earnings to average equity (ytd only) | 4.8347% | 2,589 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2397% | 4,201 |
| Assets per employee ($millions) | 2.3416% | 7,454 |
| Cash dividends to net income (ytd only)* | 39.6569% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9778% | 1,851 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 7,525 |
| Noncurrent loans to loans | 0.0791% | 7,295 |
| Net loans and leases to total assets | 31.7475% | 7,760 |
| Net loans and leases to deposits | 36.7601% | 7,806 |
| Net loans and leases to core deposits | 40.7209% | 7,845 |
| Total domestic deposits to total assets | 86.3640% | 2,503 |
| Equity capital to assets | 12.8972% | 1,736 |
| Core capital (leverage) ratio | 12.2329% | 1,694 |
| Tier 1 risk-based capital ratio | 27.9002% | 690 |
| Total risk-based capital ratio | 29.1525% | 677 |
| Memoranda: | ||
| Average total assets | $22,733,250 | 7,778 |
| Average earning assets | $20,000,000 | 7,786 |
| Average equity | $2,895,750 | 7,691 |
| Average total loans | $7,455,500 | 7,882 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9789% | 6,839 |
| Cost of funding earning assets | 1.2270% | 7,030 |
| Net interest margin | 3.7519% | 3,748 |
| Noninterest income to average assets | 0.4888% | 4,544 |
| Noninterest expense to average assets | 2.7193% | 5,308 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0077% | 2,077 |
| Return on assets (ROA) | 1.0753% | 1,930 |
| Pretax return on assets | 1.1286% | 2,543 |
| Return on Equity (ROE) | 8.4783% | 2,581 |
| Retained earnings to average equity (ytd only) | 3.6436% | 3,274 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0000% | 4,409 |
| Assets per employee ($millions) | 2.2897% | 7,570 |
| Cash dividends to net income (ytd only)* | 57.0248% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9417% | 1,691 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 7,556 |
| Noncurrent loans to loans | 0.0777% | 7,331 |
| Net loans and leases to total assets | 33.0829% | 7,804 |
| Net loans and leases to deposits | 38.1286% | 7,860 |
| Net loans and leases to core deposits | 42.2877% | 7,903 |
| Total domestic deposits to total assets | 86.7668% | 2,368 |
| Equity capital to assets | 12.5868% | 1,887 |
| Core capital (leverage) ratio | 12.3625% | 1,667 |
| Tier 1 risk-based capital ratio | 27.4416% | 747 |
| Total risk-based capital ratio | 28.6965% | 730 |
| Memoranda: | ||
| Average total assets | $22,505,670 | 7,865 |
| Average earning assets | $19,723,330 | 7,870 |
| Average equity | $2,854,330 | 7,774 |
| Average total loans | $7,412,670 | 7,969 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0499% | 6,796 |
| Cost of funding earning assets | 1.2727% | 7,108 |
| Net interest margin | 3.7772% | 3,547 |
| Noninterest income to average assets | 0.4662% | 4,626 |
| Noninterest expense to average assets | 2.6714% | 5,146 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9974% | 2,324 |
| Return on assets (ROA) | 1.1116% | 2,043 |
| Pretax return on assets | 1.2192% | 2,554 |
| Return on Equity (ROE) | 8.7309% | 2,829 |
| Retained earnings to average equity (ytd only) | 8.7309% | 1,557 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9524% | 4,382 |
| Assets per employee ($millions) | 2.2255% | 7,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1343% | 1,175 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 7,541 |
| Noncurrent loans to loans | 0.0854% | 7,279 |
| Net loans and leases to total assets | 30.9054% | 7,896 |
| Net loans and leases to deposits | 35.7633% | 7,946 |
| Net loans and leases to core deposits | 39.8032% | 7,982 |
| Total domestic deposits to total assets | 86.4165% | 2,495 |
| Equity capital to assets | 13.0263% | 1,729 |
| Core capital (leverage) ratio | 12.8047% | 1,558 |
| Tier 1 risk-based capital ratio | 29.6844% | 635 |
| Total risk-based capital ratio | 30.9426% | 621 |
| Memoranda: | ||
| Average total assets | $22,310,000 | 7,916 |
| Average earning assets | $19,485,500 | 7,922 |
| Average equity | $2,840,500 | 7,826 |
| Average total loans | $7,256,500 | 8,025 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6013% | 7,061 |
| Cost of funding earning assets | 1.5337% | 7,555 |
| Net interest margin | 4.0675% | 2,841 |
| Noninterest income to average assets | 0.5190% | 4,477 |
| Noninterest expense to average assets | 3.0137% | 4,038 |
| Loan and lease loss provision to assets | 0.0910% | 6,240 |
| Net operating income to assets | 0.8624% | 3,161 |
| Return on assets (ROA) | 0.9059% | 2,820 |
| Pretax return on assets | 1.0380% | 3,244 |
| Return on Equity (ROE) | 7.1562% | 3,450 |
| Retained earnings to average equity (ytd only) | 1.8700% | 4,064 |
| Net charge-offs to loans | 0.0923% | 5,412 |
| Credit loss provision to net charge-offs | 285.7143% | 1,588 |
| Earnings coverage of net charge-offs (x) | 33.8571% | 1,071 |
| Efficiency ratio | 73.6374% | 3,637 |
| Assets per employee ($millions) | 2.2365% | 7,653 |
| Cash dividends to net income (ytd only)* | 73.8693% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0040% | 1,212 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 7,488 |
| Noncurrent loans to loans | 0.0802% | 7,181 |
| Net loans and leases to total assets | 32.7968% | 7,921 |
| Net loans and leases to deposits | 37.6830% | 7,984 |
| Net loans and leases to core deposits | 42.1697% | 8,023 |
| Total domestic deposits to total assets | 87.0333% | 1,921 |
| Equity capital to assets | 12.4391% | 2,042 |
| Core capital (leverage) ratio | 12.2713% | 1,853 |
| Tier 1 risk-based capital ratio | 28.1647% | 756 |
| Total risk-based capital ratio | 29.4154% | 738 |
| Memoranda: | ||
| Average total assets | $21,966,000 | 7,948 |
| Average earning assets | $19,299,200 | 7,963 |
| Average equity | $2,780,800 | 7,903 |
| Average total loans | $7,586,800 | 8,052 |