Home > The First National Bank of Woodsboro > Performance and Condition Ratios
The First National Bank of Woodsboro, Performance and Condition Ratios
| 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 | 3.0107% | 5,328 |
| Cost of funding earning assets | 0.2183% | 4,932 |
| Net interest margin | 2.7924% | 5,129 |
| Noninterest income to average assets | 0.7302% | 1,741 |
| Noninterest expense to average assets | 5.9070% | 142 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -2.5285% | 5,515 |
| Return on assets (ROA) | -2.9208% | 5,516 |
| Pretax return on assets | -2.9208% | 5,514 |
| Return on Equity (ROE) | -33.9910% | 5,525 |
| Retained earnings to average equity (ytd only) | -33.9910% | 5,519 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 174.8387% | 16 |
| Assets per employee ($millions) | 4.2142% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3238% | 304 |
| Loan loss allowance to noncurrent loans | 32.9874% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 2.6676% | 309 |
| Noncurrent loans to loans | 7.0444% | 55 |
| Net loans and leases to total assets | 36.9883% | 5,150 |
| Net loans and leases to deposits | 40.3186% | 5,237 |
| Net loans and leases to core deposits | 41.1054% | 5,261 |
| Total domestic deposits to total assets | 91.7402% | 114 |
| Equity capital to assets | 8.2242% | 5,116 |
| Core capital (leverage) ratio | 8.7331% | 4,942 |
| Tier 1 risk-based capital ratio | 23.4781% | 889 |
| Total risk-based capital ratio | 24.7390% | 859 |
| Memoranda: | ||
| Average total assets | $55,053,000 | 4,962 |
| Average earning assets | $52,213,330 | 4,926 |
| Average equity | $4,730,670 | 5,210 |
| Average total loans | $20,717,670 | 5,180 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9609% | 5,391 |
| Cost of funding earning assets | 0.2210% | 4,888 |
| Net interest margin | 2.7400% | 5,220 |
| Noninterest income to average assets | 0.6702% | 1,959 |
| Noninterest expense to average assets | 3.8049% | 675 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.5376% | 5,497 |
| Return on assets (ROA) | -1.2916% | 5,550 |
| Pretax return on assets | -1.2916% | 5,547 |
| Return on Equity (ROE) | -14.7513% | 5,559 |
| Retained earnings to average equity (ytd only) | -14.7513% | 5,452 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.4530% | 74 |
| Assets per employee ($millions) | 3.7005% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1923% | 395 |
| Loan loss allowance to noncurrent loans | 32.2230% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 2.4879% | 376 |
| Noncurrent loans to loans | 6.8036% | 79 |
| Net loans and leases to total assets | 35.7660% | 5,216 |
| Net loans and leases to deposits | 39.2057% | 5,283 |
| Net loans and leases to core deposits | 40.4783% | 5,297 |
| Total domestic deposits to total assets | 91.2265% | 248 |
| Equity capital to assets | 8.6366% | 4,872 |
| Core capital (leverage) ratio | 9.2114% | 4,420 |
| Tier 1 risk-based capital ratio | 24.3423% | 811 |
| Total risk-based capital ratio | 25.6069% | 787 |
| Memoranda: | ||
| Average total assets | $57,294,500 | 4,974 |
| Average earning assets | $54,307,500 | 4,953 |
| Average equity | $5,016,500 | 5,217 |
| Average total loans | $21,501,500 | 5,218 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0826% | 5,307 |
| Cost of funding earning assets | 0.1971% | 4,970 |
| Net interest margin | 2.8854% | 5,064 |
| Noninterest income to average assets | 0.5568% | 2,671 |
| Noninterest expense to average assets | 3.3826% | 1,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.0765% | 5,405 |
| Return on assets (ROA) | -0.0731% | 5,403 |
| Pretax return on assets | -0.0731% | 5,461 |
| Return on Equity (ROE) | -0.8246% | 5,418 |
| Retained earnings to average equity (ytd only) | -0.8246% | 5,163 |
| Net charge-offs to loans | -0.3751% | 5,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3127% | 149 |
| Assets per employee ($millions) | 3.9387% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9599% | 578 |
| Loan loss allowance to noncurrent loans | 83.4897% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 0.9022% | 1,725 |
| Noncurrent loans to loans | 2.3475% | 600 |
| Net loans and leases to total assets | 37.6771% | 5,235 |
| Net loans and leases to deposits | 41.3547% | 5,314 |
| Net loans and leases to core deposits | 42.6127% | 5,326 |
| Total domestic deposits to total assets | 91.1071% | 217 |
| Equity capital to assets | 8.8675% | 4,842 |
| Core capital (leverage) ratio | 8.3768% | 5,237 |
| Tier 1 risk-based capital ratio | 20.8176% | 1,173 |
| Total risk-based capital ratio | 22.0722% | 1,149 |
| Memoranda: | ||
| Average total assets | $60,161,400 | 4,965 |
| Average earning assets | $57,322,200 | 4,926 |
| Average equity | $5,335,600 | 5,216 |
| Average total loans | $22,925,200 | 5,227 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0373% | 5,386 |
| Cost of funding earning assets | 0.1913% | 5,046 |
| Net interest margin | 2.8461% | 5,162 |
| Noninterest income to average assets | 0.5604% | 2,665 |
| Noninterest expense to average assets | 3.2366% | 1,483 |
| Loan and lease loss provision to assets | 0.2206% | 841 |
| Net operating income to assets | -0.1721% | 5,569 |
| Return on assets (ROA) | -0.1677% | 5,573 |
| Pretax return on assets | -0.1677% | 5,569 |
| Return on Equity (ROE) | -1.8906% | 5,584 |
| Retained earnings to average equity (ytd only) | -1.8906% | 5,423 |
| Net charge-offs to loans | -0.4990% | 5,655 |
| Credit loss provision to net charge-offs | -116.2791% | 4,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5225% | 194 |
| Assets per employee ($millions) | 4.1790% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3789% | 310 |
| Loan loss allowance to noncurrent loans | 322.4852% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 3,990 |
| Noncurrent loans to loans | 0.7377% | 2,515 |
| Net loans and leases to total assets | 35.6784% | 5,363 |
| Net loans and leases to deposits | 39.0710% | 5,438 |
| Net loans and leases to core deposits | 40.0512% | 5,456 |
| Total domestic deposits to total assets | 91.3169% | 127 |
| Equity capital to assets | 8.6544% | 5,184 |
| Core capital (leverage) ratio | 9.3964% | 4,297 |
| Tier 1 risk-based capital ratio | 20.3869% | 1,293 |
| Total risk-based capital ratio | 21.6451% | 1,266 |
| Memoranda: | ||
| Average total assets | $60,431,500 | 5,013 |
| Average earning assets | $57,856,250 | 4,966 |
| Average equity | $5,359,750 | 5,268 |
| Average total loans | $22,980,250 | 5,278 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0944% | 5,351 |
| Cost of funding earning assets | 0.2068% | 4,913 |
| Net interest margin | 2.8876% | 5,118 |
| Noninterest income to average assets | 0.6066% | 2,426 |
| Noninterest expense to average assets | 3.1166% | 1,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2513% | 5,318 |
| Return on assets (ROA) | 0.2580% | 5,326 |
| Pretax return on assets | 0.2580% | 5,381 |
| Return on Equity (ROE) | 2.8850% | 5,157 |
| Retained earnings to average equity (ytd only) | 2.8850% | 3,991 |
| Net charge-offs to loans | -0.7477% | 5,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5373% | 344 |
| Assets per employee ($millions) | 3.5823% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9112% | 711 |
| Loan loss allowance to noncurrent loans | 136.0856% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5705% | 2,856 |
| Noncurrent loans to loans | 1.4044% | 1,366 |
| Net loans and leases to total assets | 39.8475% | 5,229 |
| Net loans and leases to deposits | 44.1649% | 5,332 |
| Net loans and leases to core deposits | 45.3911% | 5,354 |
| Total domestic deposits to total assets | 90.2244% | 457 |
| Equity capital to assets | 9.7564% | 4,173 |
| Core capital (leverage) ratio | 9.7027% | 3,892 |
| Tier 1 risk-based capital ratio | 21.3736% | 1,135 |
| Total risk-based capital ratio | 22.6261% | 1,114 |
| Memoranda: | ||
| Average total assets | $59,680,330 | 5,061 |
| Average earning assets | $57,071,000 | 5,019 |
| Average equity | $5,338,000 | 5,306 |
| Average total loans | $23,003,670 | 5,315 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0866% | 5,381 |
| Cost of funding earning assets | 0.2126% | 4,860 |
| Net interest margin | 2.8740% | 5,130 |
| Noninterest income to average assets | 0.6178% | 2,335 |
| Noninterest expense to average assets | 3.0166% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3549% | 5,063 |
| Return on assets (ROA) | 0.3680% | 5,051 |
| Pretax return on assets | 0.3680% | 5,213 |
| Return on Equity (ROE) | 4.2986% | 4,669 |
| Retained earnings to average equity (ytd only) | 4.2986% | 3,279 |
| Net charge-offs to loans | -1.5396% | 5,800 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4737% | 579 |
| Assets per employee ($millions) | 3.8466% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9168% | 763 |
| Loan loss allowance to noncurrent loans | 122.0708% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 2,860 |
| Noncurrent loans to loans | 1.5703% | 1,250 |
| Net loans and leases to total assets | 37.2469% | 5,359 |
| Net loans and leases to deposits | 40.7821% | 5,446 |
| Net loans and leases to core deposits | 41.8199% | 5,475 |
| Total domestic deposits to total assets | 91.3317% | 202 |
| Equity capital to assets | 8.6521% | 5,108 |
| Core capital (leverage) ratio | 9.2187% | 4,455 |
| Tier 1 risk-based capital ratio | 20.3529% | 1,326 |
| Total risk-based capital ratio | 21.6048% | 1,293 |
| Memoranda: | ||
| Average total assets | $60,862,500 | 5,098 |
| Average earning assets | $58,316,000 | 5,043 |
| Average equity | $5,211,000 | 5,378 |
| Average total loans | $22,863,500 | 5,379 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0429% | 5,465 |
| Cost of funding earning assets | 0.1987% | 5,023 |
| Net interest margin | 2.8441% | 5,212 |
| Noninterest income to average assets | 0.4738% | 3,389 |
| Noninterest expense to average assets | 2.8959% | 2,687 |
| Loan and lease loss provision to assets | 0.0795% | 2,771 |
| Net operating income to assets | 0.2198% | 5,381 |
| Return on assets (ROA) | 0.4162% | 4,970 |
| Pretax return on assets | 0.4162% | 5,192 |
| Return on Equity (ROE) | 4.7247% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.7247% | 2,531 |
| Net charge-offs to loans | -0.0174% | 5,089 |
| Credit loss provision to net charge-offs | -1,275.0000% | 5,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6341% | 521 |
| Assets per employee ($millions) | 3.7612% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 1,357 |
| Loan loss allowance to noncurrent loans | 203.9773% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 4,103 |
| Noncurrent loans to loans | 0.7873% | 2,547 |
| Net loans and leases to total assets | 36.5510% | 5,469 |
| Net loans and leases to deposits | 39.9361% | 5,557 |
| Net loans and leases to core deposits | 40.9884% | 5,573 |
| Total domestic deposits to total assets | 91.5236% | 158 |
| Equity capital to assets | 8.4697% | 5,294 |
| Core capital (leverage) ratio | 8.5194% | 5,238 |
| Tier 1 risk-based capital ratio | 21.1118% | 1,189 |
| Total risk-based capital ratio | 22.3625% | 1,175 |
| Memoranda: | ||
| Average total assets | $64,159,000 | 5,046 |
| Average earning assets | $61,389,600 | 4,987 |
| Average equity | $5,651,200 | 5,345 |
| Average total loans | $22,929,000 | 5,419 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0359% | 5,543 |
| Cost of funding earning assets | 0.1901% | 5,177 |
| Net interest margin | 2.8457% | 5,278 |
| Noninterest income to average assets | 0.4563% | 3,511 |
| Noninterest expense to average assets | 2.8506% | 2,823 |
| Loan and lease loss provision to assets | 0.1044% | 2,184 |
| Net operating income to assets | 0.2272% | 5,423 |
| Return on assets (ROA) | 0.4850% | 4,840 |
| Pretax return on assets | 0.4850% | 5,160 |
| Return on Equity (ROE) | 5.4577% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.4577% | 2,515 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5820% | 586 |
| Assets per employee ($millions) | 4.0739% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 1,565 |
| Loan loss allowance to noncurrent loans | 196.1326% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 4,315 |
| Noncurrent loans to loans | 0.8004% | 2,665 |
| Net loans and leases to total assets | 34.1505% | 5,617 |
| Net loans and leases to deposits | 37.5785% | 5,688 |
| Net loans and leases to core deposits | 38.4828% | 5,712 |
| Total domestic deposits to total assets | 90.8778% | 217 |
| Equity capital to assets | 9.0915% | 5,082 |
| Core capital (leverage) ratio | 8.5666% | 5,299 |
| Tier 1 risk-based capital ratio | 20.2441% | 1,400 |
| Total risk-based capital ratio | 21.4981% | 1,365 |
| Memoranda: | ||
| Average total assets | $65,154,000 | 5,069 |
| Average earning assets | $62,408,000 | 5,012 |
| Average equity | $5,789,750 | 5,372 |
| Average total loans | $23,072,500 | 5,472 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1235% | 5,521 |
| Cost of funding earning assets | 0.1924% | 5,215 |
| Net interest margin | 2.9311% | 5,209 |
| Noninterest income to average assets | 0.3899% | 3,951 |
| Noninterest expense to average assets | 2.7600% | 3,165 |
| Loan and lease loss provision to assets | 0.1566% | 1,452 |
| Net operating income to assets | 0.2794% | 5,373 |
| Return on assets (ROA) | 0.4881% | 4,828 |
| Pretax return on assets | 0.4881% | 5,155 |
| Return on Equity (ROE) | 5.5359% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.5359% | 2,397 |
| Net charge-offs to loans | 0.0258% | 2,962 |
| Credit loss provision to net charge-offs | 1,700.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 1,029 |
| Efficiency ratio | 86.3593% | 848 |
| Assets per employee ($millions) | 3.9331% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 1,852 |
| Loan loss allowance to noncurrent loans | 111.3924% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 3,532 |
| Noncurrent loans to loans | 1.3480% | 1,668 |
| Net loans and leases to total assets | 36.6916% | 5,578 |
| Net loans and leases to deposits | 40.5942% | 5,668 |
| Net loans and leases to core deposits | 41.6111% | 5,694 |
| Total domestic deposits to total assets | 90.3861% | 357 |
| Equity capital to assets | 9.5567% | 4,708 |
| Core capital (leverage) ratio | 8.4008% | 5,447 |
| Tier 1 risk-based capital ratio | 19.7960% | 1,502 |
| Total risk-based capital ratio | 21.0472% | 1,465 |
| Memoranda: | ||
| Average total assets | $65,144,670 | 5,121 |
| Average earning assets | $62,365,330 | 5,063 |
| Average equity | $5,744,330 | 5,438 |
| Average total loans | $23,225,000 | 5,529 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1730% | 5,529 |
| Cost of funding earning assets | 0.1829% | 5,351 |
| Net interest margin | 2.9900% | 5,144 |
| Noninterest income to average assets | 0.3864% | 3,938 |
| Noninterest expense to average assets | 2.6867% | 3,468 |
| Loan and lease loss provision to assets | 0.1147% | 1,825 |
| Net operating income to assets | 0.4468% | 4,844 |
| Return on assets (ROA) | 0.5615% | 4,464 |
| Pretax return on assets | 0.5615% | 4,919 |
| Return on Equity (ROE) | 6.6316% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.6316% | 2,069 |
| Net charge-offs to loans | 0.1903% | 1,027 |
| Credit loss provision to net charge-offs | 172.7273% | 1,185 |
| Earnings coverage of net charge-offs (x) | 8.4545% | 2,054 |
| Efficiency ratio | 82.7138% | 1,288 |
| Assets per employee ($millions) | 3.8699% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 2,703 |
| Loan loss allowance to noncurrent loans | 97.8056% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 3,660 |
| Noncurrent loans to loans | 1.3705% | 1,736 |
| Net loans and leases to total assets | 34.9061% | 5,678 |
| Net loans and leases to deposits | 38.2548% | 5,770 |
| Net loans and leases to core deposits | 39.1590% | 5,793 |
| Total domestic deposits to total assets | 91.2461% | 208 |
| Equity capital to assets | 8.7326% | 5,398 |
| Core capital (leverage) ratio | 8.0533% | 5,746 |
| Tier 1 risk-based capital ratio | 18.7219% | 1,798 |
| Total risk-based capital ratio | 19.8180% | 1,792 |
| Memoranda: | ||
| Average total assets | $66,252,000 | 5,144 |
| Average earning assets | $63,411,000 | 5,090 |
| Average equity | $5,609,500 | 5,496 |
| Average total loans | $23,116,500 | 5,580 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1825% | 5,535 |
| Cost of funding earning assets | 0.1670% | 5,557 |
| Net interest margin | 3.0155% | 5,102 |
| Noninterest income to average assets | 0.5052% | 3,292 |
| Noninterest expense to average assets | 2.7265% | 3,497 |
| Loan and lease loss provision to assets | 0.0994% | 2,322 |
| Net operating income to assets | 0.5469% | 4,511 |
| Return on assets (ROA) | 0.5806% | 4,470 |
| Pretax return on assets | 0.5806% | 4,897 |
| Return on Equity (ROE) | 6.6906% | 3,688 |
| Retained earnings to average equity (ytd only) | 4.3618% | 2,876 |
| Net charge-offs to loans | -0.0086% | 5,078 |
| Credit loss provision to net charge-offs | -3,100.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8369% | 1,559 |
| Assets per employee ($millions) | 3.9304% | 4,063 |
| Cash dividends to net income (ytd only)* | 34.8066% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 2,839 |
| Loan loss allowance to noncurrent loans | 308.1633% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 5,005 |
| Noncurrent loans to loans | 0.4251% | 3,937 |
| Net loans and leases to total assets | 34.0532% | 5,775 |
| Net loans and leases to deposits | 37.1581% | 5,860 |
| Net loans and leases to core deposits | 38.0167% | 5,879 |
| Total domestic deposits to total assets | 91.6442% | 152 |
| Equity capital to assets | 8.3423% | 5,673 |
| Core capital (leverage) ratio | 8.1688% | 5,719 |
| Tier 1 risk-based capital ratio | 18.7366% | 1,765 |
| Total risk-based capital ratio | 19.7970% | 1,762 |
| Memoranda: | ||
| Average total assets | $62,350,400 | 5,266 |
| Average earning assets | $59,292,800 | 5,205 |
| Average equity | $5,410,600 | 5,558 |
| Average total loans | $23,225,000 | 5,617 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2162% | 5,565 |
| Cost of funding earning assets | 0.1628% | 5,681 |
| Net interest margin | 3.0534% | 5,067 |
| Noninterest income to average assets | 0.5030% | 3,344 |
| Noninterest expense to average assets | 2.7500% | 3,383 |
| Loan and lease loss provision to assets | 0.1350% | 1,663 |
| Net operating income to assets | 0.5182% | 4,728 |
| Return on assets (ROA) | 0.5639% | 4,636 |
| Pretax return on assets | 0.5639% | 5,059 |
| Return on Equity (ROE) | 6.4308% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.4308% | 2,002 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8061% | 1,546 |
| Assets per employee ($millions) | 3.5788% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 3,276 |
| Loan loss allowance to noncurrent loans | 297.0297% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 5,090 |
| Noncurrent loans to loans | 0.4261% | 4,074 |
| Net loans and leases to total assets | 38.4632% | 5,673 |
| Net loans and leases to deposits | 42.3693% | 5,790 |
| Net loans and leases to core deposits | 42.6442% | 5,836 |
| Total domestic deposits to total assets | 90.7807% | 313 |
| Equity capital to assets | 9.1716% | 5,146 |
| Core capital (leverage) ratio | 8.9323% | 5,079 |
| Tier 1 risk-based capital ratio | 12.0971% | 5,024 |
| Total risk-based capital ratio | 12.7743% | 5,285 |
| Memoranda: | ||
| Average total assets | $61,234,000 | 5,353 |
| Average earning assets | $58,162,750 | 5,299 |
| Average equity | $5,369,750 | 5,637 |
| Average total loans | $23,267,500 | 5,683 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1852% | 5,645 |
| Cost of funding earning assets | 0.1581% | 5,794 |
| Net interest margin | 3.0271% | 5,160 |
| Noninterest income to average assets | 0.4856% | 3,466 |
| Noninterest expense to average assets | 2.7442% | 3,435 |
| Loan and lease loss provision to assets | 0.1695% | 1,232 |
| Net operating income to assets | 0.4432% | 4,991 |
| Return on assets (ROA) | 0.5117% | 4,832 |
| Pretax return on assets | 0.5117% | 5,191 |
| Return on Equity (ROE) | 5.9249% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.9249% | 2,292 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7476% | 1,525 |
| Assets per employee ($millions) | 3.9475% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 3,754 |
| Loan loss allowance to noncurrent loans | 287.1287% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 5,194 |
| Noncurrent loans to loans | 0.4202% | 4,218 |
| Net loans and leases to total assets | 40.1084% | 5,624 |
| Net loans and leases to deposits | 43.9373% | 5,771 |
| Net loans and leases to core deposits | 44.2278% | 5,830 |
| Total domestic deposits to total assets | 91.2856% | 234 |
| Equity capital to assets | 8.6621% | 5,553 |
| Core capital (leverage) ratio | 8.7435% | 5,280 |
| Tier 1 risk-based capital ratio | 13.5728% | 4,175 |
| Total risk-based capital ratio | 15.0702% | 3,956 |
| Memoranda: | ||
| Average total assets | $61,365,330 | 5,412 |
| Average earning assets | $58,207,000 | 5,362 |
| Average equity | $5,299,670 | 5,705 |
| Average total loans | $23,123,000 | 5,741 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1390% | 5,738 |
| Cost of funding earning assets | 0.1684% | 5,786 |
| Net interest margin | 2.9706% | 5,293 |
| Noninterest income to average assets | 0.4933% | 3,325 |
| Noninterest expense to average assets | 2.6969% | 3,601 |
| Loan and lease loss provision to assets | 0.1153% | 1,791 |
| Net operating income to assets | 0.5061% | 4,654 |
| Return on assets (ROA) | 0.5061% | 4,775 |
| Pretax return on assets | 0.5061% | 5,169 |
| Return on Equity (ROE) | 5.8682% | 4,095 |
| Retained earnings to average equity (ytd only) | 5.8682% | 2,566 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2741% | 1,716 |
| Assets per employee ($millions) | 3.9256% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 4,570 |
| Loan loss allowance to noncurrent loans | 253.4653% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 5,312 |
| Noncurrent loans to loans | 0.4298% | 4,307 |
| Net loans and leases to total assets | 37.0027% | 5,774 |
| Net loans and leases to deposits | 40.5694% | 5,896 |
| Net loans and leases to core deposits | 40.8217% | 5,948 |
| Total domestic deposits to total assets | 91.2083% | 292 |
| Equity capital to assets | 8.7710% | 5,528 |
| Core capital (leverage) ratio | 8.3371% | 5,687 |
| Tier 1 risk-based capital ratio | 13.4457% | 4,354 |
| Total risk-based capital ratio | 14.7749% | 4,228 |
| Memoranda: | ||
| Average total assets | $62,442,000 | 5,439 |
| Average earning assets | $59,382,500 | 5,374 |
| Average equity | $5,385,000 | 5,739 |
| Average total loans | $22,665,000 | 5,800 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1632% | 5,875 |
| Cost of funding earning assets | 0.1795% | 5,913 |
| Net interest margin | 2.9837% | 5,478 |
| Noninterest income to average assets | 0.5219% | 3,345 |
| Noninterest expense to average assets | 2.6463% | 4,066 |
| Loan and lease loss provision to assets | 0.2028% | 1,250 |
| Net operating income to assets | 0.4904% | 4,846 |
| Return on assets (ROA) | 0.5768% | 4,557 |
| Pretax return on assets | 0.5768% | 5,009 |
| Return on Equity (ROE) | 7.0306% | 3,607 |
| Retained earnings to average equity (ytd only) | 3.6267% | 3,641 |
| Net charge-offs to loans | 0.0051% | 4,844 |
| Credit loss provision to net charge-offs | 12,200.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 417.0000% | 128 |
| Efficiency ratio | 79.2434% | 2,029 |
| Assets per employee ($millions) | 4.4339% | 3,144 |
| Cash dividends to net income (ytd only)* | 48.4150% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 4,584 |
| 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 | 34.7886% | 6,002 |
| Net loans and leases to deposits | 38.0281% | 6,101 |
| Net loans and leases to core deposits | 40.4143% | 6,087 |
| Total domestic deposits to total assets | 91.4813% | 232 |
| Equity capital to assets | 8.4752% | 5,774 |
| Core capital (leverage) ratio | 8.2094% | 5,850 |
| Tier 1 risk-based capital ratio | 12.8664% | 4,814 |
| Total risk-based capital ratio | 13.4669% | 5,129 |
| Memoranda: | ||
| Average total assets | $60,159,400 | 5,544 |
| Average earning assets | $56,808,800 | 5,498 |
| Average equity | $4,935,600 | 5,871 |
| Average total loans | $19,757,800 | 5,969 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1753% | 5,929 |
| Cost of funding earning assets | 0.1823% | 5,976 |
| Net interest margin | 2.9930% | 5,517 |
| Noninterest income to average assets | 0.5228% | 3,383 |
| Noninterest expense to average assets | 2.6541% | 3,999 |
| Loan and lease loss provision to assets | 0.2122% | 1,086 |
| Net operating income to assets | 0.4803% | 4,944 |
| Return on assets (ROA) | 0.5965% | 4,545 |
| Pretax return on assets | 0.5965% | 5,044 |
| Return on Equity (ROE) | 7.3336% | 3,537 |
| Retained earnings to average equity (ytd only) | 7.3336% | 1,653 |
| Net charge-offs to loans | -0.0069% | 5,351 |
| Credit loss provision to net charge-offs | -9,500.0000% | 6,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3057% | 2,009 |
| Assets per employee ($millions) | 4.1197% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 5,138 |
| Loan loss allowance to noncurrent loans | 10,650.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 6,196 |
| Noncurrent loans to loans | 0.0095% | 5,998 |
| Net loans and leases to total assets | 33.5658% | 6,132 |
| Net loans and leases to deposits | 36.7044% | 6,222 |
| Net loans and leases to core deposits | 39.0188% | 6,204 |
| Total domestic deposits to total assets | 91.4491% | 245 |
| Equity capital to assets | 8.5298% | 5,775 |
| Core capital (leverage) ratio | 8.4400% | 5,716 |
| Tier 1 risk-based capital ratio | 13.2425% | 4,702 |
| Total risk-based capital ratio | 13.7862% | 5,081 |
| Memoranda: | ||
| Average total assets | $59,680,500 | 5,618 |
| Average earning assets | $56,307,750 | 5,568 |
| Average equity | $4,854,250 | 5,952 |
| Average total loans | $19,239,000 | 6,057 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1312% | 6,024 |
| Cost of funding earning assets | 0.1872% | 6,021 |
| Net interest margin | 2.9440% | 5,648 |
| Noninterest income to average assets | 0.5426% | 3,189 |
| Noninterest expense to average assets | 2.6485% | 4,062 |
| Loan and lease loss provision to assets | 0.0577% | 3,137 |
| Net operating income to assets | 0.6104% | 4,308 |
| Return on assets (ROA) | 0.6104% | 4,400 |
| Pretax return on assets | 0.6104% | 4,923 |
| Return on Equity (ROE) | 7.6347% | 3,301 |
| Retained earnings to average equity (ytd only) | 7.6347% | 1,461 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8569% | 2,044 |
| Assets per employee ($millions) | 4.2743% | 3,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6654% | 6,223 |
| Loan loss allowance to noncurrent loans | 13,400.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 6,275 |
| Noncurrent loans to loans | 0.0050% | 6,084 |
| Net loans and leases to total assets | 33.4275% | 6,180 |
| Net loans and leases to deposits | 36.6020% | 6,277 |
| Net loans and leases to core deposits | 38.9930% | 6,244 |
| Total domestic deposits to total assets | 91.3269% | 303 |
| Equity capital to assets | 8.6230% | 5,687 |
| Core capital (leverage) ratio | 8.5087% | 5,630 |
| Tier 1 risk-based capital ratio | 13.1532% | 4,818 |
| Total risk-based capital ratio | 13.4987% | 5,308 |
| Memoranda: | ||
| Average total assets | $58,975,670 | 5,687 |
| Average earning assets | $55,570,000 | 5,638 |
| Average equity | $4,715,330 | 6,034 |
| Average total loans | $18,667,000 | 6,135 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0734% | 6,152 |
| Cost of funding earning assets | 0.1808% | 6,157 |
| Net interest margin | 2.8926% | 5,770 |
| Noninterest income to average assets | 0.5603% | 2,983 |
| Noninterest expense to average assets | 2.6579% | 4,089 |
| Loan and lease loss provision to assets | 0.0342% | 3,367 |
| Net operating income to assets | 0.6013% | 4,195 |
| Return on assets (ROA) | 0.6013% | 4,272 |
| Pretax return on assets | 0.6013% | 4,824 |
| Return on Equity (ROE) | 7.8344% | 3,023 |
| Retained earnings to average equity (ytd only) | 7.8344% | 1,669 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7054% | 2,091 |
| Assets per employee ($millions) | 4.2830% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6446% | 6,349 |
| 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 | 31.1047% | 6,299 |
| Net loans and leases to deposits | 33.7617% | 6,378 |
| Net loans and leases to core deposits | 35.9413% | 6,364 |
| Total domestic deposits to total assets | 92.1300% | 215 |
| Equity capital to assets | 7.8300% | 6,159 |
| Core capital (leverage) ratio | 8.5996% | 5,526 |
| Tier 1 risk-based capital ratio | 13.4490% | 4,729 |
| Total risk-based capital ratio | 13.7739% | 5,235 |
| Memoranda: | ||
| Average total assets | $58,543,500 | 5,751 |
| Average earning assets | $55,314,000 | 5,690 |
| Average equity | $4,493,000 | 6,136 |
| Average total loans | $17,932,000 | 6,222 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8815% | 6,440 |
| Cost of funding earning assets | 0.2111% | 6,224 |
| Net interest margin | 2.6704% | 6,174 |
| Noninterest income to average assets | 0.5122% | 3,685 |
| Noninterest expense to average assets | 2.6763% | 4,188 |
| Loan and lease loss provision to assets | 0.0437% | 4,245 |
| Net operating income to assets | 0.3129% | 5,477 |
| Return on assets (ROA) | 0.5664% | 4,535 |
| Pretax return on assets | 0.5664% | 4,985 |
| Return on Equity (ROE) | 6.9183% | 3,604 |
| Retained earnings to average equity (ytd only) | 5.1247% | 2,511 |
| Net charge-offs to loans | 0.0597% | 4,382 |
| Credit loss provision to net charge-offs | 277.7778% | 819 |
| Earnings coverage of net charge-offs (x) | 22.6667% | 1,442 |
| Efficiency ratio | 88.2421% | 1,190 |
| Assets per employee ($millions) | 3.8083% | 4,245 |
| Cash dividends to net income (ytd only)* | 25.9259% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6845% | 6,361 |
| 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 | 29.7155% | 6,467 |
| Net loans and leases to deposits | 32.1344% | 6,530 |
| Net loans and leases to core deposits | 34.3096% | 6,512 |
| Total domestic deposits to total assets | 92.4726% | 196 |
| Equity capital to assets | 7.5116% | 6,278 |
| Core capital (leverage) ratio | 8.6373% | 5,490 |
| Tier 1 risk-based capital ratio | 14.1221% | 4,211 |
| Total risk-based capital ratio | 14.4579% | 4,790 |
| Memoranda: | ||
| Average total assets | $57,206,400 | 5,830 |
| Average earning assets | $53,999,200 | 5,762 |
| Average equity | $4,683,200 | 6,144 |
| Average total loans | $15,062,800 | 6,415 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8244% | 6,561 |
| Cost of funding earning assets | 0.2197% | 6,294 |
| Net interest margin | 2.6047% | 6,307 |
| Noninterest income to average assets | 0.5056% | 3,765 |
| Noninterest expense to average assets | 2.7143% | 3,968 |
| Loan and lease loss provision to assets | 0.0513% | 3,996 |
| Net operating income to assets | 0.1980% | 5,917 |
| Return on assets (ROA) | 0.5405% | 4,762 |
| Pretax return on assets | 0.5405% | 5,231 |
| Return on Equity (ROE) | 6.4696% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.4696% | 2,149 |
| Net charge-offs to loans | 0.0366% | 4,412 |
| Credit loss provision to net charge-offs | 550.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 26.7655% | 1,335 |
| Efficiency ratio | 91.5881% | 879 |
| Assets per employee ($millions) | 3.7255% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7409% | 6,386 |
| 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 | 28.2900% | 6,586 |
| Net loans and leases to deposits | 30.7233% | 6,653 |
| Net loans and leases to core deposits | 33.0864% | 6,628 |
| Total domestic deposits to total assets | 92.0797% | 237 |
| Equity capital to assets | 7.8433% | 6,233 |
| Core capital (leverage) ratio | 8.7537% | 5,473 |
| Tier 1 risk-based capital ratio | 22.8504% | 1,170 |
| Total risk-based capital ratio | 23.3994% | 1,276 |
| Memoranda: | ||
| Average total assets | $57,226,750 | 5,898 |
| Average earning assets | $54,004,000 | 5,824 |
| Average equity | $4,781,250 | 6,196 |
| Average total loans | $14,555,500 | 6,503 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7389% | 6,641 |
| Cost of funding earning assets | 0.2273% | 6,323 |
| Net interest margin | 2.5116% | 6,440 |
| Noninterest income to average assets | 0.4993% | 3,842 |
| Noninterest expense to average assets | 2.7221% | 3,952 |
| Loan and lease loss provision to assets | 0.0208% | 4,482 |
| Net operating income to assets | 0.1318% | 6,059 |
| Return on assets (ROA) | 0.6311% | 4,301 |
| Pretax return on assets | 0.6311% | 4,907 |
| Return on Equity (ROE) | 7.4074% | 3,388 |
| Retained earnings to average equity (ytd only) | 7.4074% | 1,710 |
| Net charge-offs to loans | 0.0426% | 4,082 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,809 |
| Efficiency ratio | 94.6924% | 725 |
| Assets per employee ($millions) | 3.9389% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6841% | 6,519 |
| 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 | 27.9046% | 6,630 |
| Net loans and leases to deposits | 30.1241% | 6,698 |
| Net loans and leases to core deposits | 32.7029% | 6,669 |
| Total domestic deposits to total assets | 92.6322% | 166 |
| Equity capital to assets | 7.2862% | 6,518 |
| Core capital (leverage) ratio | 8.4497% | 5,722 |
| Tier 1 risk-based capital ratio | 23.0187% | 1,129 |
| Total risk-based capital ratio | 23.4918% | 1,226 |
| Memoranda: | ||
| Average total assets | $57,675,000 | 5,925 |
| Average earning assets | $54,547,330 | 5,843 |
| Average equity | $4,914,000 | 6,211 |
| Average total loans | $14,098,330 | 6,561 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6183% | 6,775 |
| Cost of funding earning assets | 0.2426% | 6,334 |
| Net interest margin | 2.3758% | 6,621 |
| Noninterest income to average assets | 0.5158% | 3,670 |
| Noninterest expense to average assets | 2.6943% | 4,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0814% | 6,182 |
| Return on assets (ROA) | 0.0814% | 6,271 |
| Pretax return on assets | 0.0814% | 6,284 |
| Return on Equity (ROE) | 0.8952% | 6,242 |
| Retained earnings to average equity (ytd only) | 0.8952% | 5,488 |
| Net charge-offs to loans | 0.0298% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,634 |
| Efficiency ratio | 97.0660% | 678 |
| Assets per employee ($millions) | 4.2419% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7374% | 6,539 |
| 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 | 23.1195% | 6,792 |
| Net loans and leases to deposits | 25.4189% | 6,838 |
| Net loans and leases to core deposits | 27.4655% | 6,814 |
| Total domestic deposits to total assets | 90.9542% | 541 |
| Equity capital to assets | 8.9801% | 5,507 |
| Core capital (leverage) ratio | 8.0040% | 6,142 |
| Tier 1 risk-based capital ratio | 22.9734% | 1,162 |
| Total risk-based capital ratio | 23.4727% | 1,264 |
| Memoranda: | ||
| Average total assets | $58,940,000 | 5,931 |
| Average earning assets | $56,066,500 | 5,849 |
| Average equity | $5,362,000 | 6,149 |
| Average total loans | $13,400,500 | 6,647 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5990% | 6,906 |
| Cost of funding earning assets | 0.3272% | 6,324 |
| Net interest margin | 2.2718% | 6,851 |
| Noninterest income to average assets | 0.6787% | 2,841 |
| Noninterest expense to average assets | 2.6866% | 4,449 |
| Loan and lease loss provision to assets | 0.0230% | 5,605 |
| Net operating income to assets | 0.1223% | 5,963 |
| Return on assets (ROA) | 0.6149% | 4,432 |
| Pretax return on assets | 0.6149% | 4,953 |
| Return on Equity (ROE) | 6.3581% | 3,983 |
| Retained earnings to average equity (ytd only) | 5.2038% | 2,571 |
| Net charge-offs to loans | 0.1305% | 4,369 |
| Credit loss provision to net charge-offs | 76.4706% | 3,948 |
| Earnings coverage of net charge-offs (x) | 4.8235% | 3,239 |
| Efficiency ratio | 94.8686% | 759 |
| Assets per employee ($millions) | 4.4995% | 2,959 |
| Cash dividends to net income (ytd only)* | 18.1556% | 3,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8019% | 6,486 |
| 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 | 21.9941% | 6,897 |
| Net loans and leases to deposits | 24.2466% | 6,926 |
| Net loans and leases to core deposits | 26.2353% | 6,906 |
| Total domestic deposits to total assets | 90.7100% | 609 |
| Equity capital to assets | 9.2165% | 5,249 |
| Core capital (leverage) ratio | 8.0697% | 6,122 |
| Tier 1 risk-based capital ratio | 23.7554% | 996 |
| Total risk-based capital ratio | 24.2832% | 1,091 |
| Memoranda: | ||
| Average total assets | $56,428,200 | 6,013 |
| Average earning assets | $53,482,400 | 5,940 |
| Average equity | $5,457,600 | 6,161 |
| Average total loans | $13,031,000 | 6,739 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6403% | 7,017 |
| Cost of funding earning assets | 0.3348% | 6,443 |
| Net interest margin | 2.3055% | 6,944 |
| Noninterest income to average assets | 0.7392% | 2,529 |
| Noninterest expense to average assets | 2.7495% | 4,174 |
| Loan and lease loss provision to assets | 0.0095% | 5,690 |
| Net operating income to assets | 0.1645% | 6,002 |
| Return on assets (ROA) | 0.1645% | 6,148 |
| Pretax return on assets | 0.1645% | 6,178 |
| Return on Equity (ROE) | 1.6806% | 6,105 |
| Retained earnings to average equity (ytd only) | 1.6806% | 5,493 |
| Net charge-offs to loans | 0.0409% | 5,076 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 18.2608% | 1,570 |
| Efficiency ratio | 94.0457% | 770 |
| Assets per employee ($millions) | 3.8807% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8211% | 6,556 |
| 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 | 22.4099% | 6,998 |
| Net loans and leases to deposits | 24.8571% | 7,023 |
| Net loans and leases to core deposits | 26.9186% | 7,006 |
| Total domestic deposits to total assets | 90.1548% | 764 |
| Equity capital to assets | 9.7473% | 4,857 |
| Core capital (leverage) ratio | 7.7831% | 6,477 |
| Tier 1 risk-based capital ratio | 22.9243% | 1,180 |
| Total risk-based capital ratio | 23.4781% | 1,274 |
| Memoranda: | ||
| Average total assets | $55,912,000 | 6,095 |
| Average earning assets | $52,972,500 | 6,026 |
| Average equity | $5,474,250 | 6,224 |
| Average total loans | $13,046,500 | 6,828 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6673% | 7,086 |
| Cost of funding earning assets | 0.3377% | 6,563 |
| Net interest margin | 2.3296% | 6,995 |
| Noninterest income to average assets | 0.9321% | 1,669 |
| Noninterest expense to average assets | 2.7817% | 4,089 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3518% | 5,422 |
| Return on assets (ROA) | 0.3518% | 5,648 |
| Pretax return on assets | 0.3518% | 5,824 |
| Return on Equity (ROE) | 3.5875% | 5,444 |
| Retained earnings to average equity (ytd only) | 3.5875% | 4,206 |
| Net charge-offs to loans | 0.0615% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 24.2500% | 1,225 |
| Efficiency ratio | 88.7731% | 1,170 |
| Assets per employee ($millions) | 3.6699% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7686% | 6,733 |
| 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 | 24.3910% | 7,024 |
| Net loans and leases to deposits | 27.1198% | 7,055 |
| Net loans and leases to core deposits | 29.5131% | 7,034 |
| Total domestic deposits to total assets | 89.9381% | 962 |
| Equity capital to assets | 9.9711% | 4,375 |
| Core capital (leverage) ratio | 8.2885% | 5,928 |
| Tier 1 risk-based capital ratio | 23.5946% | 1,066 |
| Total risk-based capital ratio | 24.1405% | 1,128 |
| Memoranda: | ||
| Average total assets | $55,145,670 | 6,160 |
| Average earning assets | $52,113,000 | 6,088 |
| Average equity | $5,407,670 | 6,262 |
| Average total loans | $13,011,000 | 6,881 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7138% | 7,136 |
| Cost of funding earning assets | 0.3450% | 6,660 |
| Net interest margin | 2.3688% | 7,031 |
| Noninterest income to average assets | 1.2320% | 937 |
| Noninterest expense to average assets | 2.5510% | 4,986 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9204% | 2,825 |
| Return on assets (ROA) | 0.9204% | 3,035 |
| Pretax return on assets | 0.9204% | 3,969 |
| Return on Equity (ROE) | 9.4653% | 2,618 |
| Retained earnings to average equity (ytd only) | 9.4653% | 1,422 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4864% | 3,180 |
| Assets per employee ($millions) | 3.6171% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8720% | 6,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 22.6275% | 7,106 |
| Net loans and leases to deposits | 25.1099% | 7,132 |
| Net loans and leases to core deposits | 27.3851% | 7,113 |
| Total domestic deposits to total assets | 90.1137% | 1,023 |
| Equity capital to assets | 9.8126% | 4,353 |
| Core capital (leverage) ratio | 8.2973% | 5,877 |
| Tier 1 risk-based capital ratio | 24.7132% | 932 |
| Total risk-based capital ratio | 25.3032% | 986 |
| Memoranda: | ||
| Average total assets | $55,194,000 | 6,201 |
| Average earning assets | $52,178,000 | 6,129 |
| Average equity | $5,367,000 | 6,314 |
| Average total loans | $12,751,000 | 6,947 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4093% | 7,047 |
| Cost of funding earning assets | 0.3819% | 6,938 |
| Net interest margin | 3.0274% | 6,487 |
| Noninterest income to average assets | 0.6065% | 3,128 |
| Noninterest expense to average assets | 3.0517% | 3,383 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3310% | 5,144 |
| Return on assets (ROA) | 0.3267% | 5,311 |
| Pretax return on assets | 0.3267% | 5,486 |
| Return on Equity (ROE) | 3.2683% | 5,170 |
| Retained earnings to average equity (ytd only) | 1.4739% | 5,158 |
| Net charge-offs to loans | -0.0761% | 7,104 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2146% | 1,171 |
| Assets per employee ($millions) | 3.7421% | 4,459 |
| Cash dividends to net income (ytd only)* | 54.9020% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 6,695 |
| 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 | 23.1761% | 7,166 |
| Net loans and leases to deposits | 25.6704% | 7,192 |
| Net loans and leases to core deposits | 27.7029% | 7,180 |
| Total domestic deposits to total assets | 90.2834% | 828 |
| Equity capital to assets | 9.6382% | 4,692 |
| Core capital (leverage) ratio | 8.4470% | 5,644 |
| Tier 1 risk-based capital ratio | 22.6673% | 1,136 |
| Total risk-based capital ratio | 23.2240% | 1,210 |
| Memoranda: | ||
| Average total assets | $46,826,000 | 6,461 |
| Average earning assets | $42,941,400 | 6,425 |
| Average equity | $4,681,400 | 6,537 |
| Average total loans | $13,143,800 | 6,986 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6523% | 6,976 |
| Cost of funding earning assets | 0.4029% | 7,012 |
| Net interest margin | 3.2495% | 6,016 |
| Noninterest income to average assets | 0.6232% | 3,039 |
| Noninterest expense to average assets | 3.1160% | 3,099 |
| Loan and lease loss provision to assets | 0.0449% | 5,879 |
| Net operating income to assets | 0.4105% | 4,949 |
| Return on assets (ROA) | 0.4105% | 5,141 |
| Pretax return on assets | 0.4105% | 5,437 |
| Return on Equity (ROE) | 4.0598% | 4,966 |
| Retained earnings to average equity (ytd only) | 4.0598% | 3,839 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2483% | 1,413 |
| Assets per employee ($millions) | 3.2808% | 5,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8418% | 6,737 |
| 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 | 27.0483% | 7,172 |
| Net loans and leases to deposits | 30.4029% | 7,213 |
| Net loans and leases to core deposits | 33.2227% | 7,179 |
| Total domestic deposits to total assets | 88.9661% | 1,448 |
| Equity capital to assets | 10.8876% | 3,252 |
| Core capital (leverage) ratio | 9.4396% | 4,244 |
| Tier 1 risk-based capital ratio | 24.6575% | 947 |
| Total risk-based capital ratio | 25.2872% | 995 |
| Memoranda: | ||
| Average total assets | $44,499,750 | 6,576 |
| Average earning assets | $40,375,000 | 6,569 |
| Average equity | $4,499,250 | 6,640 |
| Average total loans | $13,150,500 | 7,055 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7264% | 6,992 |
| Cost of funding earning assets | 0.4216% | 7,083 |
| Net interest margin | 3.3049% | 5,841 |
| Noninterest income to average assets | 0.6150% | 3,039 |
| Noninterest expense to average assets | 3.2472% | 2,733 |
| Loan and lease loss provision to assets | 0.0699% | 5,433 |
| Net operating income to assets | 0.2562% | 5,536 |
| Return on assets (ROA) | 0.2562% | 5,656 |
| Pretax return on assets | 0.2562% | 5,790 |
| Return on Equity (ROE) | 2.6110% | 5,561 |
| Retained earnings to average equity (ytd only) | 2.6110% | 4,632 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8735% | 1,179 |
| Assets per employee ($millions) | 3.0450% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8125% | 6,847 |
| Loan loss allowance to noncurrent loans | 136.1446% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 6,646 |
| Noncurrent loans to loans | 0.5968% | 5,729 |
| Net loans and leases to total assets | 30.2003% | 7,175 |
| Net loans and leases to deposits | 33.6455% | 7,230 |
| Net loans and leases to core deposits | 36.9971% | 7,197 |
| Total domestic deposits to total assets | 89.7603% | 1,091 |
| Equity capital to assets | 10.1062% | 4,006 |
| Core capital (leverage) ratio | 9.7816% | 3,545 |
| Tier 1 risk-based capital ratio | 26.0797% | 807 |
| Total risk-based capital ratio | 26.7519% | 838 |
| Memoranda: | ||
| Average total assets | $42,929,000 | 6,682 |
| Average earning assets | $38,428,330 | 6,703 |
| Average equity | $4,213,000 | 6,779 |
| Average total loans | $13,059,330 | 7,126 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7127% | 7,057 |
| Cost of funding earning assets | 0.4305% | 7,159 |
| Net interest margin | 3.2822% | 5,834 |
| Noninterest income to average assets | 0.6353% | 2,929 |
| Noninterest expense to average assets | 3.3304% | 2,465 |
| Loan and lease loss provision to assets | 0.0866% | 4,923 |
| Net operating income to assets | 0.1540% | 5,930 |
| Return on assets (ROA) | 0.1540% | 5,989 |
| Pretax return on assets | 0.1540% | 6,045 |
| Return on Equity (ROE) | 1.5954% | 5,944 |
| Retained earnings to average equity (ytd only) | 1.5954% | 5,157 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2615% | 1,082 |
| Assets per employee ($millions) | 2.9152% | 6,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 6,922 |
| Loan loss allowance to noncurrent loans | 151.4286% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 6,762 |
| Noncurrent loans to loans | 0.5277% | 5,968 |
| Net loans and leases to total assets | 30.0906% | 7,226 |
| Net loans and leases to deposits | 33.2684% | 7,289 |
| Net loans and leases to core deposits | 36.4589% | 7,250 |
| Total domestic deposits to total assets | 90.4478% | 869 |
| Equity capital to assets | 9.4082% | 4,559 |
| Core capital (leverage) ratio | 10.3160% | 2,787 |
| Tier 1 risk-based capital ratio | 27.2773% | 683 |
| Total risk-based capital ratio | 27.9427% | 714 |
| Memoranda: | ||
| Average total assets | $41,556,000 | 6,774 |
| Average earning assets | $37,170,000 | 6,799 |
| Average equity | $4,011,500 | 6,884 |
| Average total loans | $12,635,500 | 7,192 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2408% | 6,874 |
| Cost of funding earning assets | 0.6660% | 6,970 |
| Net interest margin | 3.5748% | 4,939 |
| Noninterest income to average assets | 0.7197% | 2,714 |
| Noninterest expense to average assets | 3.7095% | 1,678 |
| Loan and lease loss provision to assets | 0.0249% | 6,872 |
| Net operating income to assets | -0.1024% | 5,996 |
| Return on assets (ROA) | -0.1024% | 6,055 |
| Pretax return on assets | -0.1024% | 6,000 |
| Return on Equity (ROE) | -0.8322% | 6,051 |
| Retained earnings to average equity (ytd only) | -2.2491% | 6,006 |
| Net charge-offs to loans | -0.0090% | 7,306 |
| Credit loss provision to net charge-offs | -900.0000% | 7,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1341% | 718 |
| Assets per employee ($millions) | 2.6256% | 6,812 |
| Cash dividends to net income (ytd only)* | -170.2703% | 7,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8079% | 6,950 |
| Loan loss allowance to noncurrent loans | 138.5714% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 6,788 |
| Noncurrent loans to loans | 0.5830% | 5,884 |
| Net loans and leases to total assets | 30.2407% | 7,345 |
| Net loans and leases to deposits | 33.6403% | 7,399 |
| Net loans and leases to core deposits | 34.2291% | 7,419 |
| Total domestic deposits to total assets | 89.8944% | 1,165 |
| Equity capital to assets | 9.9254% | 3,847 |
| Core capital (leverage) ratio | 11.1351% | 2,063 |
| Tier 1 risk-based capital ratio | 28.4465% | 577 |
| Total risk-based capital ratio | 29.0842% | 607 |
| Memoranda: | ||
| Average total assets | $36,123,800 | 7,002 |
| Average earning assets | $29,428,200 | 7,113 |
| Average equity | $4,446,200 | 6,837 |
| Average total loans | $11,093,400 | 7,346 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4224% | 6,783 |
| Cost of funding earning assets | 0.7269% | 6,986 |
| Net interest margin | 3.6956% | 4,424 |
| Noninterest income to average assets | 0.7175% | 2,723 |
| Noninterest expense to average assets | 3.7610% | 1,449 |
| Loan and lease loss provision to assets | 0.0340% | 6,739 |
| Net operating income to assets | -0.1208% | 6,206 |
| Return on assets (ROA) | -0.1208% | 6,294 |
| Pretax return on assets | -0.1208% | 6,245 |
| Return on Equity (ROE) | -0.9316% | 6,273 |
| Retained earnings to average equity (ytd only) | -0.9316% | 6,003 |
| Net charge-offs to loans | -0.0122% | 7,290 |
| Credit loss provision to net charge-offs | -900.0000% | 7,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3638% | 673 |
| Assets per employee ($millions) | 2.4954% | 7,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 6,902 |
| Loan loss allowance to noncurrent loans | 104.3011% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2485% | 6,745 |
| Noncurrent loans to loans | 0.8107% | 5,596 |
| Net loans and leases to total assets | 30.3866% | 7,455 |
| Net loans and leases to deposits | 34.7446% | 7,499 |
| Net loans and leases to core deposits | 35.4529% | 7,511 |
| Total domestic deposits to total assets | 87.4569% | 2,286 |
| Equity capital to assets | 12.2305% | 2,020 |
| Core capital (leverage) ratio | 12.0313% | 1,651 |
| Tier 1 risk-based capital ratio | 30.0376% | 511 |
| Total risk-based capital ratio | 30.7004% | 533 |
| Memoranda: | ||
| Average total assets | $35,308,750 | 7,117 |
| Average earning assets | $28,249,250 | 7,237 |
| Average equity | $4,580,500 | 6,880 |
| Average total loans | $10,865,000 | 7,452 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5095% | 6,691 |
| Cost of funding earning assets | 0.7660% | 7,017 |
| Net interest margin | 3.7435% | 4,168 |
| Noninterest income to average assets | 0.6994% | 2,708 |
| Noninterest expense to average assets | 3.8207% | 1,330 |
| Loan and lease loss provision to assets | 0.0983% | 5,926 |
| Net operating income to assets | -0.2254% | 6,386 |
| Return on assets (ROA) | -0.2254% | 6,430 |
| Pretax return on assets | -0.2254% | 6,359 |
| Return on Equity (ROE) | -1.7026% | 6,395 |
| Retained earnings to average equity (ytd only) | -1.7026% | 6,100 |
| Net charge-offs to loans | 0.1876% | 4,489 |
| Credit loss provision to net charge-offs | 170.0000% | 2,300 |
| Earnings coverage of net charge-offs (x) | -2.2000% | 6,222 |
| Efficiency ratio | 103.4429% | 698 |
| Assets per employee ($millions) | 2.3396% | 7,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8118% | 7,005 |
| Loan loss allowance to noncurrent loans | 101.0753% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 6,738 |
| Noncurrent loans to loans | 0.8032% | 5,668 |
| Net loans and leases to total assets | 32.7264% | 7,462 |
| Net loans and leases to deposits | 37.7027% | 7,500 |
| Net loans and leases to core deposits | 38.5235% | 7,524 |
| Total domestic deposits to total assets | 86.8012% | 2,645 |
| Equity capital to assets | 12.9224% | 1,602 |
| Core capital (leverage) ratio | 12.4755% | 1,417 |
| Tier 1 risk-based capital ratio | 27.6588% | 653 |
| Total risk-based capital ratio | 28.2510% | 685 |
| Memoranda: | ||
| Average total assets | $34,601,330 | 7,190 |
| Average earning assets | $27,674,670 | 7,310 |
| Average equity | $4,581,330 | 6,910 |
| Average total loans | $10,663,000 | 7,523 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 6,633 |
| Cost of funding earning assets | 0.7642% | 7,191 |
| Net interest margin | 3.8065% | 3,772 |
| Noninterest income to average assets | 0.5938% | 3,317 |
| Noninterest expense to average assets | 3.8888% | 1,185 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.2794% | 6,642 |
| Return on assets (ROA) | -0.2794% | 6,702 |
| Pretax return on assets | -0.2794% | 6,619 |
| Return on Equity (ROE) | -2.0849% | 6,646 |
| Retained earnings to average equity (ytd only) | -2.0849% | 6,225 |
| Net charge-offs to loans | -0.0392% | 7,278 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7419% | 644 |
| Assets per employee ($millions) | 2.3246% | 7,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 6,957 |
| Loan loss allowance to noncurrent loans | 61.1111% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 6,442 |
| Noncurrent loans to loans | 1.4080% | 4,622 |
| Net loans and leases to total assets | 29.0774% | 7,648 |
| Net loans and leases to deposits | 33.5628% | 7,669 |
| Net loans and leases to core deposits | 34.2951% | 7,679 |
| Total domestic deposits to total assets | 86.6357% | 2,826 |
| Equity capital to assets | 13.0947% | 1,487 |
| Core capital (leverage) ratio | 12.9448% | 1,227 |
| Tier 1 risk-based capital ratio | 30.2460% | 516 |
| Total risk-based capital ratio | 30.8506% | 529 |
| Memoranda: | ||
| Average total assets | $34,355,000 | 7,288 |
| Average earning assets | $27,216,500 | 7,419 |
| Average equity | $4,604,500 | 6,972 |
| Average total loans | $10,205,000 | 7,643 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 7,049 |
| Cost of funding earning assets | 0.7419% | 7,632 |
| Net interest margin | 4.0089% | 2,819 |
| Noninterest income to average assets | 0.5361% | 4,132 |
| Noninterest expense to average assets | 3.4652% | 2,471 |
| Loan and lease loss provision to assets | 0.0948% | 6,661 |
| Net operating income to assets | 0.4650% | 3,878 |
| Return on assets (ROA) | -2.6715% | 7,323 |
| Pretax return on assets | -2.6715% | 7,199 |
| Return on Equity (ROE) | -17.1021% | 7,038 |
| Retained earnings to average equity (ytd only) | -20.2874% | 7,117 |
| Net charge-offs to loans | 0.0658% | 6,453 |
| Credit loss provision to net charge-offs | 533.3333% | 564 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 729 |
| Efficiency ratio | 86.0927% | 2,103 |
| Assets per employee ($millions) | 2.2561% | 7,522 |
| Cash dividends to net income (ytd only)* | -18.6253% | 7,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8544% | 6,970 |
| 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 | 29.8336% | 7,710 |
| Net loans and leases to deposits | 34.7754% | 7,747 |
| Net loans and leases to core deposits | 38.3893% | 7,785 |
| Total domestic deposits to total assets | 85.7894% | 3,114 |
| Equity capital to assets | 13.7200% | 1,247 |
| Core capital (leverage) ratio | 13.2871% | 1,161 |
| Tier 1 risk-based capital ratio | 30.8943% | 480 |
| Total risk-based capital ratio | 31.5011% | 496 |
| Memoranda: | ||
| Average total assets | $33,764,200 | 7,335 |
| Average earning assets | $29,384,600 | 7,380 |
| Average equity | $5,274,200 | 6,844 |
| Average total loans | $9,114,800 | 7,735 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7974% | 7,127 |
| Cost of funding earning assets | 0.7429% | 7,769 |
| Net interest margin | 4.0545% | 2,574 |
| Noninterest income to average assets | 0.5255% | 4,278 |
| Noninterest expense to average assets | 3.1332% | 3,522 |
| Loan and lease loss provision to assets | 0.0869% | 6,497 |
| Net operating income to assets | 0.8850% | 2,473 |
| Return on assets (ROA) | 0.8850% | 2,550 |
| Pretax return on assets | 0.8850% | 3,272 |
| Return on Equity (ROE) | 5.4982% | 3,738 |
| Retained earnings to average equity (ytd only) | 5.4982% | 2,205 |
| Net charge-offs to loans | 0.0150% | 6,709 |
| Credit loss provision to net charge-offs | 2,200.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 246.6090% | 154 |
| Efficiency ratio | 76.3234% | 3,449 |
| Assets per employee ($millions) | 2.2907% | 7,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8064% | 7,095 |
| Loan loss allowance to noncurrent loans | 4,100.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 7,588 |
| Noncurrent loans to loans | 0.0197% | 7,478 |
| Net loans and leases to total assets | 31.4531% | 7,769 |
| Net loans and leases to deposits | 38.5721% | 7,771 |
| Net loans and leases to core deposits | 41.3351% | 7,837 |
| Total domestic deposits to total assets | 81.5435% | 4,859 |
| Equity capital to assets | 16.6916% | 673 |
| Core capital (leverage) ratio | 17.3909% | 509 |
| Tier 1 risk-based capital ratio | 31.4970% | 491 |
| Total risk-based capital ratio | 31.9538% | 516 |
| Memoranda: | ||
| Average total assets | $33,745,000 | 7,391 |
| Average earning assets | $29,793,250 | 7,426 |
| Average equity | $5,432,000 | 6,866 |
| Average total loans | $8,847,750 | 7,828 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7740% | 7,269 |
| Cost of funding earning assets | 0.7541% | 7,867 |
| Net interest margin | 4.0199% | 2,619 |
| Noninterest income to average assets | 0.4839% | 4,595 |
| Noninterest expense to average assets | 2.9502% | 4,290 |
| Loan and lease loss provision to assets | 0.0875% | 6,294 |
| Net operating income to assets | 1.0203% | 2,035 |
| Return on assets (ROA) | 1.0203% | 2,123 |
| Pretax return on assets | 1.0203% | 2,929 |
| Return on Equity (ROE) | 6.4122% | 3,477 |
| Retained earnings to average equity (ytd only) | 6.4122% | 1,839 |
| Net charge-offs to loans | 0.0238% | 6,156 |
| Credit loss provision to net charge-offs | 1,500.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 218 |
| Efficiency ratio | 72.7011% | 4,268 |
| Assets per employee ($millions) | 2.8318% | 6,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 7,145 |
| 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 | 27.2535% | 7,941 |
| Net loans and leases to deposits | 32.9058% | 7,957 |
| Net loans and leases to core deposits | 35.6179% | 7,984 |
| Total domestic deposits to total assets | 82.8228% | 4,318 |
| Equity capital to assets | 15.4969% | 932 |
| Core capital (leverage) ratio | 16.6986% | 653 |
| Tier 1 risk-based capital ratio | 43.4636% | 250 |
| Total risk-based capital ratio | 44.0383% | 252 |
| Memoranda: | ||
| Average total assets | $34,303,330 | 7,435 |
| Average earning assets | $30,498,330 | 7,455 |
| Average equity | $5,458,330 | 6,915 |
| Average total loans | $8,407,330 | 7,935 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 7,526 |
| Cost of funding earning assets | 0.8007% | 7,911 |
| Net interest margin | 3.8853% | 3,109 |
| Noninterest income to average assets | 0.4875% | 4,436 |
| Noninterest expense to average assets | 2.4953% | 5,856 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4276% | 1,083 |
| Return on assets (ROA) | 1.4276% | 1,168 |
| Pretax return on assets | 1.4276% | 1,889 |
| Return on Equity (ROE) | 8.8577% | 2,779 |
| Retained earnings to average equity (ytd only) | 8.8577% | 1,526 |
| Net charge-offs to loans | -0.0504% | 7,700 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6095% | 5,760 |
| Assets per employee ($millions) | 3.0460% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7477% | 7,315 |
| Loan loss allowance to noncurrent loans | 38.9937% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4745% | 6,062 |
| Noncurrent loans to loans | 1.9175% | 3,381 |
| Net loans and leases to total assets | 24.5628% | 8,029 |
| Net loans and leases to deposits | 29.8405% | 8,040 |
| Net loans and leases to core deposits | 32.4680% | 8,067 |
| Total domestic deposits to total assets | 82.3136% | 4,432 |
| Equity capital to assets | 15.9912% | 873 |
| Core capital (leverage) ratio | 16.4064% | 726 |
| Tier 1 risk-based capital ratio | 46.3320% | 237 |
| Total risk-based capital ratio | 46.8431% | 244 |
| Memoranda: | ||
| Average total assets | $34,464,500 | 7,471 |
| Average earning assets | $30,474,000 | 7,496 |
| Average equity | $5,554,500 | 6,929 |
| Average total loans | $7,943,000 | 7,995 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1452% | 7,734 |
| Cost of funding earning assets | 0.9996% | 8,055 |
| Net interest margin | 4.1456% | 2,519 |
| Noninterest income to average assets | 0.5258% | 4,416 |
| Noninterest expense to average assets | 3.4774% | 2,459 |
| Loan and lease loss provision to assets | 0.1346% | 5,632 |
| Net operating income to assets | 0.7950% | 3,456 |
| Return on assets (ROA) | 0.7950% | 3,297 |
| Pretax return on assets | 0.7950% | 4,094 |
| Return on Equity (ROE) | 4.6234% | 4,549 |
| Retained earnings to average equity (ytd only) | 0.8009% | 4,739 |
| Net charge-offs to loans | 0.1621% | 4,577 |
| Credit loss provision to net charge-offs | 358.3333% | 1,240 |
| Earnings coverage of net charge-offs (x) | 24.7500% | 1,364 |
| Efficiency ratio | 78.9063% | 2,770 |
| Assets per employee ($millions) | 3.2203% | 5,428 |
| Cash dividends to net income (ytd only)* | 82.6772% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 7,097 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 7,650 |
| Noncurrent loans to loans | 0.0132% | 7,488 |
| Net loans and leases to total assets | 21.2658% | 8,138 |
| Net loans and leases to deposits | 25.5711% | 8,158 |
| Net loans and leases to core deposits | 27.7663% | 8,164 |
| Total domestic deposits to total assets | 83.1635% | 3,700 |
| Equity capital to assets | 16.2352% | 893 |
| Core capital (leverage) ratio | 15.6365% | 893 |
| Tier 1 risk-based capital ratio | 44.8588% | 265 |
| Total risk-based capital ratio | 45.3566% | 269 |
| Memoranda: | ||
| Average total assets | $31,949,200 | 7,566 |
| Average earning assets | $29,911,400 | 7,515 |
| Average equity | $5,493,800 | 6,978 |
| Average total loans | $7,403,200 | 8,060 |