Home > The First Trust & Savings Bank > Performance and Condition Ratios
The First Trust & Savings Bank, 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 | 3.9048% | 4,072 |
| Cost of funding earning assets | 0.1370% | 5,295 |
| Net interest margin | 3.7678% | 2,683 |
| Noninterest income to average assets | 0.3466% | 3,855 |
| Noninterest expense to average assets | 4.2102% | 405 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.4489% | 5,436 |
| Return on assets (ROA) | -2.2898% | 5,507 |
| Pretax return on assets | -2.2670% | 5,507 |
| Return on Equity (ROE) | -22.3042% | 5,509 |
| Retained earnings to average equity (ytd only) | -22.3042% | 5,497 |
| Net charge-offs to loans | -0.7287% | 5,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.2613% | 94 |
| Assets per employee ($millions) | 3.6911% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7310% | 195 |
| Loan loss allowance to noncurrent loans | 68.2759% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.8242% | 634 |
| Noncurrent loans to loans | 4.0000% | 219 |
| Net loans and leases to total assets | 42.4564% | 4,968 |
| Net loans and leases to deposits | 48.1727% | 5,024 |
| Net loans and leases to core deposits | 48.1727% | 5,088 |
| Total domestic deposits to total assets | 88.1337% | 1,309 |
| Equity capital to assets | 9.7291% | 3,891 |
| Core capital (leverage) ratio | 9.6800% | 3,908 |
| Tier 1 risk-based capital ratio | 17.2456% | 2,021 |
| Total risk-based capital ratio | 18.5032% | 1,969 |
| Memoranda: | ||
| Average total assets | $35,200,330 | 5,302 |
| Average earning assets | $32,114,330 | 5,294 |
| Average equity | $3,613,670 | 5,350 |
| Average total loans | $14,821,670 | 5,324 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 2,482 |
| Cost of funding earning assets | 0.1331% | 5,344 |
| Net interest margin | 4.1745% | 1,233 |
| Noninterest income to average assets | 0.2432% | 4,550 |
| Noninterest expense to average assets | 4.0232% | 513 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.0111% | 5,394 |
| Return on assets (ROA) | -0.8289% | 5,524 |
| Pretax return on assets | -0.7847% | 5,524 |
| Return on Equity (ROE) | -7.8854% | 5,523 |
| Retained earnings to average equity (ytd only) | -7.8854% | 5,303 |
| Net charge-offs to loans | -0.3738% | 5,473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1826% | 185 |
| Assets per employee ($millions) | 3.8686% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4257% | 273 |
| Loan loss allowance to noncurrent loans | 159.6413% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.7180% | 2,170 |
| Noncurrent loans to loans | 1.5195% | 1,158 |
| Net loans and leases to total assets | 41.1293% | 5,023 |
| Net loans and leases to deposits | 46.8402% | 5,079 |
| Net loans and leases to core deposits | 46.8402% | 5,129 |
| Total domestic deposits to total assets | 87.8077% | 1,728 |
| Equity capital to assets | 11.3939% | 2,221 |
| Core capital (leverage) ratio | 10.2024% | 3,300 |
| Tier 1 risk-based capital ratio | 17.3351% | 2,021 |
| Total risk-based capital ratio | 18.5902% | 1,969 |
| Memoranda: | ||
| Average total assets | $36,190,500 | 5,344 |
| Average earning assets | $33,058,000 | 5,335 |
| Average equity | $3,804,500 | 5,387 |
| Average total loans | $14,982,500 | 5,378 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2058% | 5,181 |
| Cost of funding earning assets | 0.1522% | 5,251 |
| Net interest margin | 3.0535% | 4,779 |
| Noninterest income to average assets | 0.3144% | 4,213 |
| Noninterest expense to average assets | 3.3067% | 1,367 |
| Loan and lease loss provision to assets | 0.0136% | 4,018 |
| Net operating income to assets | -0.1789% | 5,447 |
| Return on assets (ROA) | -0.1789% | 5,448 |
| Pretax return on assets | -0.1789% | 5,493 |
| Return on Equity (ROE) | -1.7507% | 5,456 |
| Retained earnings to average equity (ytd only) | -1.7507% | 5,258 |
| Net charge-offs to loans | 0.0698% | 2,456 |
| Credit loss provision to net charge-offs | 45.4545% | 3,380 |
| Earnings coverage of net charge-offs (x) | -5.5455% | 4,075 |
| Efficiency ratio | 105.2632% | 125 |
| Assets per employee ($millions) | 4.1738% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2369% | 349 |
| Loan loss allowance to noncurrent loans | 81.6229% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.1900% | 1,245 |
| Noncurrent loans to loans | 2.7405% | 445 |
| Net loans and leases to total assets | 39.7908% | 5,139 |
| Net loans and leases to deposits | 44.4626% | 5,232 |
| Net loans and leases to core deposits | 44.4626% | 5,285 |
| Total domestic deposits to total assets | 89.4926% | 783 |
| Equity capital to assets | 9.6955% | 4,033 |
| Core capital (leverage) ratio | 10.0593% | 3,379 |
| Tier 1 risk-based capital ratio | 15.7481% | 2,535 |
| Total risk-based capital ratio | 16.9999% | 2,477 |
| Memoranda: | ||
| Average total assets | $36,895,200 | 5,380 |
| Average earning assets | $34,157,200 | 5,362 |
| Average equity | $3,770,000 | 5,451 |
| Average total loans | $15,761,000 | 5,426 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1664% | 5,273 |
| Cost of funding earning assets | 0.1480% | 5,321 |
| Net interest margin | 3.0184% | 4,881 |
| Noninterest income to average assets | 0.3049% | 4,350 |
| Noninterest expense to average assets | 3.1837% | 1,595 |
| Loan and lease loss provision to assets | 0.0182% | 3,780 |
| Net operating income to assets | -0.0835% | 5,543 |
| Return on assets (ROA) | -0.1452% | 5,570 |
| Pretax return on assets | -0.1452% | 5,565 |
| Return on Equity (ROE) | -1.4027% | 5,573 |
| Retained earnings to average equity (ytd only) | -1.4027% | 5,385 |
| Net charge-offs to loans | 0.0756% | 2,061 |
| Credit loss provision to net charge-offs | 55.5556% | 2,855 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 3,733 |
| Efficiency ratio | 102.0955% | 156 |
| Assets per employee ($millions) | 3.6393% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2956% | 344 |
| Loan loss allowance to noncurrent loans | 71.9665% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.3904% | 1,124 |
| Noncurrent loans to loans | 3.1899% | 372 |
| Net loans and leases to total assets | 40.2303% | 5,192 |
| Net loans and leases to deposits | 45.3436% | 5,275 |
| Net loans and leases to core deposits | 45.3436% | 5,332 |
| Total domestic deposits to total assets | 88.7231% | 1,003 |
| Equity capital to assets | 10.5185% | 3,354 |
| Core capital (leverage) ratio | 10.2204% | 3,291 |
| Tier 1 risk-based capital ratio | 16.2330% | 2,403 |
| Total risk-based capital ratio | 17.4846% | 2,356 |
| Memoranda: | ||
| Average total assets | $36,728,000 | 5,443 |
| Average earning assets | $34,233,250 | 5,423 |
| Average equity | $3,802,000 | 5,508 |
| Average total loans | $15,879,000 | 5,485 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1424% | 5,308 |
| Cost of funding earning assets | 0.1684% | 5,217 |
| Net interest margin | 2.9740% | 4,967 |
| Noninterest income to average assets | 0.3365% | 4,141 |
| Noninterest expense to average assets | 3.3601% | 1,256 |
| Loan and lease loss provision to assets | 0.0271% | 3,457 |
| Net operating income to assets | -0.2714% | 5,639 |
| Return on assets (ROA) | -0.2551% | 5,636 |
| Pretax return on assets | -0.2551% | 5,625 |
| Return on Equity (ROE) | -2.4769% | 5,636 |
| Retained earnings to average equity (ytd only) | -2.4769% | 5,379 |
| Net charge-offs to loans | 0.1113% | 1,521 |
| Credit loss provision to net charge-offs | 55.5556% | 2,497 |
| Earnings coverage of net charge-offs (x) | -5.0000% | 3,464 |
| Efficiency ratio | 107.8397% | 118 |
| Assets per employee ($millions) | 4.2842% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2532% | 400 |
| Loan loss allowance to noncurrent loans | 50.5140% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.8388% | 741 |
| Noncurrent loans to loans | 4.4606% | 184 |
| Net loans and leases to total assets | 38.7027% | 5,278 |
| Net loans and leases to deposits | 43.3934% | 5,354 |
| Net loans and leases to core deposits | 43.3934% | 5,407 |
| Total domestic deposits to total assets | 89.1903% | 861 |
| Equity capital to assets | 10.0939% | 3,803 |
| Core capital (leverage) ratio | 10.4174% | 3,006 |
| Tier 1 risk-based capital ratio | 15.3085% | 2,796 |
| Total risk-based capital ratio | 16.5581% | 2,731 |
| Memoranda: | ||
| Average total assets | $36,844,670 | 5,485 |
| Average earning assets | $34,432,000 | 5,464 |
| Average equity | $3,795,000 | 5,552 |
| Average total loans | $16,177,000 | 5,526 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1461% | 5,315 |
| Cost of funding earning assets | 0.1543% | 5,342 |
| Net interest margin | 2.9918% | 4,903 |
| Noninterest income to average assets | 0.2335% | 4,872 |
| Noninterest expense to average assets | 3.3468% | 1,295 |
| Loan and lease loss provision to assets | 0.0556% | 2,695 |
| Net operating income to assets | -0.3669% | 5,717 |
| Return on assets (ROA) | -0.3669% | 5,715 |
| Pretax return on assets | -0.3669% | 5,702 |
| Return on Equity (ROE) | -3.5360% | 5,715 |
| Retained earnings to average equity (ytd only) | -3.5360% | 5,298 |
| Net charge-offs to loans | 0.1203% | 1,207 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | -5.6000% | 2,905 |
| Efficiency ratio | 110.2564% | 125 |
| Assets per employee ($millions) | 3.5702% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1896% | 482 |
| Loan loss allowance to noncurrent loans | 47.7366% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.1203% | 602 |
| Noncurrent loans to loans | 4.5869% | 190 |
| Net loans and leases to total assets | 43.5410% | 5,066 |
| Net loans and leases to deposits | 49.0611% | 5,176 |
| Net loans and leases to core deposits | 49.0611% | 5,260 |
| Total domestic deposits to total assets | 88.7485% | 1,290 |
| Equity capital to assets | 10.5820% | 3,085 |
| Core capital (leverage) ratio | 10.2481% | 3,198 |
| Tier 1 risk-based capital ratio | 15.4660% | 2,768 |
| Total risk-based capital ratio | 16.7182% | 2,699 |
| Memoranda: | ||
| Average total assets | $35,974,500 | 5,568 |
| Average earning assets | $33,692,000 | 5,544 |
| Average equity | $3,733,000 | 5,619 |
| Average total loans | $16,632,000 | 5,568 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2145% | 5,280 |
| Cost of funding earning assets | 0.1722% | 5,270 |
| Net interest margin | 3.0423% | 4,870 |
| Noninterest income to average assets | 0.3108% | 4,509 |
| Noninterest expense to average assets | 3.1001% | 2,037 |
| Loan and lease loss provision to assets | 0.2789% | 718 |
| Net operating income to assets | -0.2045% | 5,718 |
| Return on assets (ROA) | -0.1036% | 5,698 |
| Pretax return on assets | -0.1036% | 5,694 |
| Return on Equity (ROE) | -0.9856% | 5,702 |
| Retained earnings to average equity (ytd only) | -0.9856% | 5,440 |
| Net charge-offs to loans | 1.9271% | 75 |
| Credit loss provision to net charge-offs | 31.1573% | 3,582 |
| Earnings coverage of net charge-offs (x) | 0.0831% | 4,131 |
| Efficiency ratio | 97.6569% | 259 |
| Assets per employee ($millions) | 3.2952% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0033% | 655 |
| Loan loss allowance to noncurrent loans | 37.9085% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 2.6099% | 444 |
| Noncurrent loans to loans | 5.2847% | 140 |
| Net loans and leases to total assets | 46.9639% | 4,959 |
| Net loans and leases to deposits | 53.0179% | 5,062 |
| Net loans and leases to core deposits | 53.5500% | 5,168 |
| Total domestic deposits to total assets | 88.5811% | 1,332 |
| Equity capital to assets | 10.1746% | 3,513 |
| Core capital (leverage) ratio | 10.1767% | 3,259 |
| Tier 1 risk-based capital ratio | 15.1930% | 2,885 |
| Total risk-based capital ratio | 16.4425% | 2,821 |
| Memoranda: | ||
| Average total assets | $37,644,200 | 5,579 |
| Average earning assets | $35,433,600 | 5,554 |
| Average equity | $3,956,800 | 5,650 |
| Average total loans | $17,487,200 | 5,598 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2473% | 5,286 |
| Cost of funding earning assets | 0.1678% | 5,367 |
| Net interest margin | 3.0795% | 4,827 |
| Noninterest income to average assets | 0.5194% | 3,120 |
| Noninterest expense to average assets | 3.0250% | 2,244 |
| Loan and lease loss provision to assets | 0.3509% | 454 |
| Net operating income to assets | 0.0421% | 5,686 |
| Return on assets (ROA) | -0.0772% | 5,767 |
| Pretax return on assets | -0.0772% | 5,761 |
| Return on Equity (ROE) | -0.7289% | 5,768 |
| Retained earnings to average equity (ytd only) | -0.7289% | 5,463 |
| Net charge-offs to loans | 2.4967% | 47 |
| Credit loss provision to net charge-offs | 30.4878% | 3,222 |
| Earnings coverage of net charge-offs (x) | 0.3415% | 3,798 |
| Efficiency ratio | 88.5010% | 647 |
| Assets per employee ($millions) | 3.6319% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0441% | 672 |
| Loan loss allowance to noncurrent loans | 38.0130% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 2.6267% | 507 |
| Noncurrent loans to loans | 5.3775% | 146 |
| Net loans and leases to total assets | 46.4440% | 5,068 |
| Net loans and leases to deposits | 53.4796% | 5,139 |
| Net loans and leases to core deposits | 54.0225% | 5,225 |
| Total domestic deposits to total assets | 86.8444% | 1,969 |
| Equity capital to assets | 11.1402% | 2,875 |
| Core capital (leverage) ratio | 10.4277% | 3,076 |
| Tier 1 risk-based capital ratio | 15.4715% | 2,843 |
| Total risk-based capital ratio | 16.7223% | 2,775 |
| Memoranda: | ||
| Average total assets | $37,993,500 | 5,632 |
| Average earning assets | $35,762,500 | 5,607 |
| Average equity | $4,024,000 | 5,699 |
| Average total loans | $17,516,250 | 5,647 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0160% | 5,630 |
| Cost of funding earning assets | 0.1648% | 5,459 |
| Net interest margin | 2.8512% | 5,347 |
| Noninterest income to average assets | 0.5447% | 2,932 |
| Noninterest expense to average assets | 2.9467% | 2,529 |
| Loan and lease loss provision to assets | 0.5188% | 244 |
| Net operating income to assets | -0.2283% | 5,856 |
| Return on assets (ROA) | -0.3683% | 5,907 |
| Pretax return on assets | -0.3683% | 5,898 |
| Return on Equity (ROE) | -3.5353% | 5,910 |
| Retained earnings to average equity (ytd only) | -3.5353% | 5,673 |
| Net charge-offs to loans | 3.5424% | 37 |
| Credit loss provision to net charge-offs | 32.0513% | 2,838 |
| Earnings coverage of net charge-offs (x) | 0.1795% | 3,544 |
| Efficiency ratio | 91.0256% | 546 |
| Assets per employee ($millions) | 4.1860% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1346% | 590 |
| Loan loss allowance to noncurrent loans | 24.8146% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 4.0107% | 226 |
| Noncurrent loans to loans | 8.6021% | 54 |
| Net loans and leases to total assets | 44.7842% | 5,187 |
| Net loans and leases to deposits | 50.4983% | 5,313 |
| Net loans and leases to core deposits | 50.9821% | 5,400 |
| Total domestic deposits to total assets | 88.6845% | 1,069 |
| Equity capital to assets | 10.7634% | 3,331 |
| Core capital (leverage) ratio | 9.8540% | 3,745 |
| Tier 1 risk-based capital ratio | 15.0394% | 3,061 |
| Total risk-based capital ratio | 16.2900% | 3,001 |
| Memoranda: | ||
| Average total assets | $38,551,670 | 5,686 |
| Average earning assets | $36,405,330 | 5,656 |
| Average equity | $4,016,670 | 5,764 |
| Average total loans | $17,615,000 | 5,713 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9703% | 5,714 |
| Cost of funding earning assets | 0.1523% | 5,591 |
| Net interest margin | 2.8180% | 5,443 |
| Noninterest income to average assets | 0.1949% | 5,340 |
| Noninterest expense to average assets | 3.0982% | 2,109 |
| Loan and lease loss provision to assets | 0.5129% | 236 |
| Net operating income to assets | -0.6373% | 5,992 |
| Return on assets (ROA) | -0.6976% | 6,000 |
| Pretax return on assets | -0.8310% | 6,010 |
| Return on Equity (ROE) | -6.8043% | 6,000 |
| Retained earnings to average equity (ytd only) | -6.8043% | 5,711 |
| Net charge-offs to loans | 2.4266% | 54 |
| Credit loss provision to net charge-offs | 46.2963% | 2,083 |
| Earnings coverage of net charge-offs (x) | -0.2222% | 2,990 |
| Efficiency ratio | 108.6331% | 169 |
| Assets per employee ($millions) | 4.2458% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9324% | 236 |
| Loan loss allowance to noncurrent loans | 28.4004% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 4.8833% | 171 |
| Noncurrent loans to loans | 10.3253% | 41 |
| Net loans and leases to total assets | 45.2188% | 5,171 |
| Net loans and leases to deposits | 50.7803% | 5,297 |
| Net loans and leases to core deposits | 51.2547% | 5,396 |
| Total domestic deposits to total assets | 89.0479% | 1,073 |
| Equity capital to assets | 10.4496% | 3,558 |
| Core capital (leverage) ratio | 9.7557% | 3,837 |
| Tier 1 risk-based capital ratio | 14.9959% | 3,161 |
| Total risk-based capital ratio | 17.0553% | 2,708 |
| Memoranda: | ||
| Average total assets | $38,990,500 | 5,733 |
| Average earning assets | $36,763,500 | 5,707 |
| Average equity | $3,997,500 | 5,814 |
| Average total loans | $17,802,500 | 5,760 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9889% | 5,737 |
| Cost of funding earning assets | 0.2036% | 5,255 |
| Net interest margin | 2.7853% | 5,544 |
| Noninterest income to average assets | 0.3398% | 4,479 |
| Noninterest expense to average assets | 3.0506% | 2,382 |
| Loan and lease loss provision to assets | 0.9652% | 94 |
| Net operating income to assets | -0.9978% | 6,100 |
| Return on assets (ROA) | -0.8223% | 6,088 |
| Pretax return on assets | -0.8642% | 6,087 |
| Return on Equity (ROE) | -7.8304% | 6,080 |
| Retained earnings to average equity (ytd only) | -10.3859% | 6,039 |
| Net charge-offs to loans | 0.7080% | 337 |
| Credit loss provision to net charge-offs | 321.3115% | 928 |
| Earnings coverage of net charge-offs (x) | -0.2787% | 4,289 |
| Efficiency ratio | 102.8216% | 235 |
| Assets per employee ($millions) | 3.9769% | 3,985 |
| Cash dividends to net income (ytd only)* | -32.6347% | 6,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2577% | 164 |
| Loan loss allowance to noncurrent loans | 19.1736% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 7.6768% | 85 |
| Noncurrent loans to loans | 16.9906% | 13 |
| Net loans and leases to total assets | 43.3101% | 5,324 |
| Net loans and leases to deposits | 50.1689% | 5,383 |
| Net loans and leases to core deposits | 50.7963% | 5,462 |
| Total domestic deposits to total assets | 86.3285% | 2,477 |
| Equity capital to assets | 10.0631% | 3,889 |
| Core capital (leverage) ratio | 9.7346% | 3,859 |
| Tier 1 risk-based capital ratio | 14.2447% | 3,585 |
| Total risk-based capital ratio | 15.5038% | 3,490 |
| Memoranda: | ||
| Average total assets | $40,615,400 | 5,752 |
| Average earning assets | $38,308,200 | 5,722 |
| Average equity | $4,265,400 | 5,808 |
| Average total loans | $17,231,800 | 5,819 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0288% | 5,784 |
| Cost of funding earning assets | 0.2181% | 5,205 |
| Net interest margin | 2.8108% | 5,560 |
| Noninterest income to average assets | 0.2972% | 4,814 |
| Noninterest expense to average assets | 3.0208% | 2,458 |
| Loan and lease loss provision to assets | 0.4996% | 204 |
| Net operating income to assets | -0.5715% | 6,153 |
| Return on assets (ROA) | -0.3625% | 6,115 |
| Pretax return on assets | -0.3625% | 6,103 |
| Return on Equity (ROE) | -3.4170% | 6,111 |
| Retained earnings to average equity (ytd only) | -6.7724% | 6,071 |
| Net charge-offs to loans | 0.9831% | 194 |
| Credit loss provision to net charge-offs | 121.4286% | 1,961 |
| Earnings coverage of net charge-offs (x) | -0.1746% | 4,005 |
| Efficiency ratio | 102.4363% | 249 |
| Assets per employee ($millions) | 3.8322% | 4,202 |
| Cash dividends to net income (ytd only)* | -98.1959% | 6,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9620% | 972 |
| Loan loss allowance to noncurrent loans | 14.9624% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 5.9679% | 143 |
| Noncurrent loans to loans | 13.1131% | 26 |
| Net loans and leases to total assets | 44.0713% | 5,355 |
| Net loans and leases to deposits | 49.8819% | 5,476 |
| Net loans and leases to core deposits | 50.8567% | 5,547 |
| Total domestic deposits to total assets | 88.3513% | 1,380 |
| Equity capital to assets | 10.9963% | 3,036 |
| Core capital (leverage) ratio | 10.4604% | 3,085 |
| Tier 1 risk-based capital ratio | 15.8194% | 2,886 |
| Total risk-based capital ratio | 17.0681% | 2,822 |
| Memoranda: | ||
| Average total assets | $40,827,000 | 5,823 |
| Average earning assets | $38,517,750 | 5,793 |
| Average equity | $4,331,250 | 5,876 |
| Average total loans | $17,088,750 | 5,897 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9764% | 5,882 |
| Cost of funding earning assets | 0.2290% | 5,160 |
| Net interest margin | 2.7474% | 5,709 |
| Noninterest income to average assets | 0.3264% | 4,613 |
| Noninterest expense to average assets | 2.9571% | 2,685 |
| Loan and lease loss provision to assets | 0.5809% | 159 |
| Net operating income to assets | -0.6193% | 6,209 |
| Return on assets (ROA) | -0.3360% | 6,159 |
| Pretax return on assets | -0.3360% | 6,149 |
| Return on Equity (ROE) | -3.2034% | 6,160 |
| Retained earnings to average equity (ytd only) | -8.1916% | 6,136 |
| Net charge-offs to loans | 1.0796% | 185 |
| Credit loss provision to net charge-offs | 131.5217% | 1,677 |
| Earnings coverage of net charge-offs (x) | -0.0870% | 3,717 |
| Efficiency ratio | 101.3158% | 291 |
| Assets per employee ($millions) | 3.9890% | 3,904 |
| Cash dividends to net income (ytd only)* | -155.7143% | 6,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0320% | 938 |
| Loan loss allowance to noncurrent loans | 16.2188% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 5.2946% | 196 |
| Noncurrent loans to loans | 12.5286% | 31 |
| Net loans and leases to total assets | 40.8523% | 5,582 |
| Net loans and leases to deposits | 46.5494% | 5,648 |
| Net loans and leases to core deposits | 47.1391% | 5,721 |
| Total domestic deposits to total assets | 87.7613% | 1,767 |
| Equity capital to assets | 10.5064% | 3,433 |
| Core capital (leverage) ratio | 10.0184% | 3,567 |
| Tier 1 risk-based capital ratio | 16.1950% | 2,762 |
| Total risk-based capital ratio | 17.4453% | 2,711 |
| Memoranda: | ||
| Average total assets | $41,662,000 | 5,866 |
| Average earning assets | $39,309,330 | 5,832 |
| Average equity | $4,370,330 | 5,927 |
| Average total loans | $17,042,670 | 5,959 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1626% | 5,705 |
| Cost of funding earning assets | 0.2181% | 5,334 |
| Net interest margin | 2.9445% | 5,361 |
| Noninterest income to average assets | 0.2350% | 5,283 |
| Noninterest expense to average assets | 2.9802% | 2,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0466% | 5,957 |
| Return on assets (ROA) | 0.4889% | 4,860 |
| Pretax return on assets | 0.5077% | 5,161 |
| Return on Equity (ROE) | 4.6637% | 4,680 |
| Retained earnings to average equity (ytd only) | -5.1121% | 5,942 |
| Net charge-offs to loans | 0.6262% | 387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.1852% | 3,090 |
| Efficiency ratio | 98.4472% | 416 |
| Assets per employee ($millions) | 4.2495% | 3,465 |
| Cash dividends to net income (ytd only)* | 209.6154% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 1,913 |
| Loan loss allowance to noncurrent loans | 140.7960% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 3,881 |
| Noncurrent loans to loans | 1.1670% | 2,438 |
| Net loans and leases to total assets | 39.8659% | 5,605 |
| Net loans and leases to deposits | 45.9218% | 5,660 |
| Net loans and leases to core deposits | 46.4697% | 5,731 |
| Total domestic deposits to total assets | 86.8126% | 2,478 |
| Equity capital to assets | 10.5118% | 3,517 |
| Core capital (leverage) ratio | 9.9367% | 3,685 |
| Tier 1 risk-based capital ratio | 16.2616% | 2,793 |
| Total risk-based capital ratio | 17.3431% | 2,811 |
| Memoranda: | ||
| Average total assets | $42,548,000 | 5,904 |
| Average earning assets | $40,347,000 | 5,853 |
| Average equity | $4,460,000 | 5,954 |
| Average total loans | $17,247,000 | 6,004 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0943% | 5,965 |
| Cost of funding earning assets | 0.2568% | 5,254 |
| Net interest margin | 2.8374% | 5,753 |
| Noninterest income to average assets | 0.3516% | 4,592 |
| Noninterest expense to average assets | 2.8334% | 3,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1984% | 5,770 |
| Return on assets (ROA) | 0.3884% | 5,325 |
| Pretax return on assets | 0.4090% | 5,462 |
| Return on Equity (ROE) | 3.9453% | 5,138 |
| Retained earnings to average equity (ytd only) | 0.7237% | 5,440 |
| Net charge-offs to loans | 0.1680% | 2,353 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.1379% | 3,966 |
| Efficiency ratio | 93.1269% | 642 |
| Assets per employee ($millions) | 4.2601% | 3,432 |
| Cash dividends to net income (ytd only)* | 81.6568% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7950% | 1,552 |
| Loan loss allowance to noncurrent loans | 151.2195% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 3,980 |
| Noncurrent loans to loans | 1.1870% | 2,462 |
| Net loans and leases to total assets | 39.8113% | 5,756 |
| Net loans and leases to deposits | 45.3852% | 5,821 |
| Net loans and leases to core deposits | 45.9197% | 5,895 |
| Total domestic deposits to total assets | 87.7186% | 1,915 |
| Equity capital to assets | 10.4528% | 3,542 |
| Core capital (leverage) ratio | 9.9665% | 3,622 |
| Tier 1 risk-based capital ratio | 17.4038% | 2,352 |
| Total risk-based capital ratio | 18.6547% | 2,316 |
| Memoranda: | ||
| Average total assets | $43,516,200 | 5,942 |
| Average earning assets | $41,269,600 | 5,889 |
| Average equity | $4,283,600 | 6,034 |
| Average total loans | $17,266,800 | 6,077 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1413% | 5,970 |
| Cost of funding earning assets | 0.2674% | 5,235 |
| Net interest margin | 2.8739% | 5,754 |
| Noninterest income to average assets | 0.3353% | 4,760 |
| Noninterest expense to average assets | 2.7736% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2679% | 5,685 |
| Return on assets (ROA) | 0.3200% | 5,600 |
| Pretax return on assets | 0.3353% | 5,705 |
| Return on Equity (ROE) | 3.3009% | 5,430 |
| Retained earnings to average equity (ytd only) | -0.6915% | 5,906 |
| Net charge-offs to loans | 0.0772% | 3,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.2018% | 2,698 |
| Efficiency ratio | 90.8184% | 786 |
| Assets per employee ($millions) | 4.2082% | 3,467 |
| Cash dividends to net income (ytd only)* | 120.9500% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9475% | 1,361 |
| Loan loss allowance to noncurrent loans | 141.3793% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.6131% | 3,996 |
| Noncurrent loans to loans | 1.3775% | 2,351 |
| Net loans and leases to total assets | 39.2424% | 5,861 |
| Net loans and leases to deposits | 44.8178% | 5,931 |
| Net loans and leases to core deposits | 45.5420% | 5,969 |
| Total domestic deposits to total assets | 87.5600% | 2,006 |
| Equity capital to assets | 10.5817% | 3,453 |
| Core capital (leverage) ratio | 10.0318% | 3,633 |
| Tier 1 risk-based capital ratio | 17.5061% | 2,396 |
| Total risk-based capital ratio | 18.7559% | 2,356 |
| Memoranda: | ||
| Average total assets | $43,745,000 | 6,003 |
| Average earning assets | $41,383,500 | 5,959 |
| Average equity | $4,241,250 | 6,106 |
| Average total loans | $17,266,000 | 6,141 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1744% | 5,982 |
| Cost of funding earning assets | 0.2764% | 5,226 |
| Net interest margin | 2.8979% | 5,741 |
| Noninterest income to average assets | 0.3160% | 4,883 |
| Noninterest expense to average assets | 2.7766% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2711% | 5,665 |
| Return on assets (ROA) | 0.2754% | 5,720 |
| Pretax return on assets | 0.2889% | 5,805 |
| Return on Equity (ROE) | 2.9252% | 5,556 |
| Retained earnings to average equity (ytd only) | -2.7334% | 6,071 |
| Net charge-offs to loans | 0.0919% | 2,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.8750% | 2,566 |
| Efficiency ratio | 90.7080% | 856 |
| Assets per employee ($millions) | 3.6383% | 4,582 |
| Cash dividends to net income (ytd only)* | 193.4426% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9198% | 1,531 |
| Loan loss allowance to noncurrent loans | 137.3444% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.6116% | 4,138 |
| Noncurrent loans to loans | 1.3978% | 2,465 |
| Net loans and leases to total assets | 38.7320% | 5,910 |
| Net loans and leases to deposits | 43.9266% | 5,987 |
| Net loans and leases to core deposits | 44.4263% | 6,050 |
| Total domestic deposits to total assets | 88.1743% | 1,813 |
| Equity capital to assets | 10.0529% | 4,033 |
| Core capital (leverage) ratio | 9.4851% | 4,355 |
| Tier 1 risk-based capital ratio | 16.8590% | 2,678 |
| Total risk-based capital ratio | 18.1089% | 2,648 |
| Memoranda: | ||
| Average total assets | $44,299,330 | 6,052 |
| Average earning assets | $41,961,330 | 6,000 |
| Average equity | $4,170,670 | 6,160 |
| Average total loans | $17,407,330 | 6,179 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1766% | 6,040 |
| Cost of funding earning assets | 0.2948% | 5,120 |
| Net interest margin | 2.8817% | 5,788 |
| Noninterest income to average assets | 0.2958% | 5,000 |
| Noninterest expense to average assets | 2.7880% | 3,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2241% | 5,730 |
| Return on assets (ROA) | 0.2241% | 5,783 |
| Pretax return on assets | 0.2241% | 5,880 |
| Return on Equity (ROE) | 2.4621% | 5,644 |
| Retained earnings to average equity (ytd only) | -8.4698% | 6,303 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5595% | 840 |
| Assets per employee ($millions) | 3.7371% | 4,457 |
| Cash dividends to net income (ytd only)* | 444.0000% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9459% | 1,633 |
| Loan loss allowance to noncurrent loans | 204.2169% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 4,855 |
| Noncurrent loans to loans | 0.9529% | 3,507 |
| Net loans and leases to total assets | 38.0912% | 5,937 |
| Net loans and leases to deposits | 42.7424% | 6,036 |
| Net loans and leases to core deposits | 43.1909% | 6,111 |
| Total domestic deposits to total assets | 89.1181% | 1,578 |
| Equity capital to assets | 9.2140% | 4,862 |
| Core capital (leverage) ratio | 9.2255% | 4,682 |
| Tier 1 risk-based capital ratio | 16.0329% | 3,159 |
| Total risk-based capital ratio | 17.2826% | 3,108 |
| Memoranda: | ||
| Average total assets | $44,619,500 | 6,097 |
| Average earning assets | $42,058,000 | 6,053 |
| Average equity | $4,061,500 | 6,236 |
| Average total loans | $17,490,500 | 6,238 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0784% | 6,264 |
| Cost of funding earning assets | 0.3939% | 4,719 |
| Net interest margin | 2.6845% | 6,161 |
| Noninterest income to average assets | 0.3773% | 4,610 |
| Noninterest expense to average assets | 2.7261% | 4,006 |
| Loan and lease loss provision to assets | 0.0514% | 4,108 |
| Net operating income to assets | 0.1318% | 5,972 |
| Return on assets (ROA) | 0.3885% | 5,293 |
| Pretax return on assets | 0.4108% | 5,474 |
| Return on Equity (ROE) | 4.1154% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.3822% | 3,821 |
| Net charge-offs to loans | 0.0887% | 3,960 |
| Credit loss provision to net charge-offs | 153.3333% | 1,510 |
| Earnings coverage of net charge-offs (x) | 5.7333% | 3,230 |
| Efficiency ratio | 93.4200% | 780 |
| Assets per employee ($millions) | 3.4149% | 5,053 |
| Cash dividends to net income (ytd only)* | 17.8161% | 3,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9305% | 1,707 |
| Loan loss allowance to noncurrent loans | 305.4054% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 5,321 |
| Noncurrent loans to loans | 0.6321% | 4,398 |
| Net loans and leases to total assets | 38.7913% | 6,038 |
| Net loans and leases to deposits | 43.9636% | 6,123 |
| Net loans and leases to core deposits | 44.4344% | 6,209 |
| Total domestic deposits to total assets | 88.2349% | 2,034 |
| Equity capital to assets | 8.9900% | 5,047 |
| Core capital (leverage) ratio | 9.5166% | 4,238 |
| Tier 1 risk-based capital ratio | 16.7712% | 2,731 |
| Total risk-based capital ratio | 18.0212% | 2,682 |
| Memoranda: | ||
| Average total assets | $44,789,800 | 6,153 |
| Average earning assets | $42,391,600 | 6,095 |
| Average equity | $4,228,000 | 6,278 |
| Average total loans | $16,915,000 | 6,326 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0628% | 6,359 |
| Cost of funding earning assets | 0.4196% | 4,620 |
| Net interest margin | 2.6431% | 6,260 |
| Noninterest income to average assets | 0.3505% | 4,884 |
| Noninterest expense to average assets | 2.6851% | 4,076 |
| Loan and lease loss provision to assets | 0.0653% | 3,751 |
| Net operating income to assets | 0.1011% | 6,138 |
| Return on assets (ROA) | 0.4426% | 5,195 |
| Pretax return on assets | 0.4663% | 5,455 |
| Return on Equity (ROE) | 4.6337% | 4,911 |
| Retained earnings to average equity (ytd only) | 3.6697% | 4,090 |
| Net charge-offs to loans | 0.1194% | 3,356 |
| Credit loss provision to net charge-offs | 146.6667% | 1,605 |
| Earnings coverage of net charge-offs (x) | 3.8665% | 3,596 |
| Efficiency ratio | 93.9709% | 739 |
| Assets per employee ($millions) | 3.1665% | 5,564 |
| Cash dividends to net income (ytd only)* | 20.8044% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0491% | 1,615 |
| Loan loss allowance to noncurrent loans | 1,210.7143% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 6,019 |
| Noncurrent loans to loans | 0.1692% | 5,813 |
| Net loans and leases to total assets | 36.5546% | 6,255 |
| Net loans and leases to deposits | 41.0077% | 6,349 |
| Net loans and leases to core deposits | 41.4758% | 6,398 |
| Total domestic deposits to total assets | 89.1408% | 1,488 |
| Equity capital to assets | 9.1719% | 4,973 |
| Core capital (leverage) ratio | 9.5316% | 4,357 |
| Tier 1 risk-based capital ratio | 17.9213% | 2,352 |
| Total risk-based capital ratio | 19.1753% | 2,318 |
| Memoranda: | ||
| Average total assets | $44,888,750 | 6,219 |
| Average earning assets | $42,575,000 | 6,162 |
| Average equity | $4,287,250 | 6,340 |
| Average total loans | $16,753,750 | 6,401 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0809% | 6,368 |
| Cost of funding earning assets | 0.4401% | 4,541 |
| Net interest margin | 2.6408% | 6,283 |
| Noninterest income to average assets | 0.3195% | 5,153 |
| Noninterest expense to average assets | 2.6046% | 4,366 |
| Loan and lease loss provision to assets | 0.1021% | 3,091 |
| Net operating income to assets | 0.1065% | 6,119 |
| Return on assets (ROA) | 0.1065% | 6,208 |
| Pretax return on assets | 0.1154% | 6,209 |
| Return on Equity (ROE) | 1.1007% | 6,187 |
| Retained earnings to average equity (ytd only) | 0.1376% | 5,810 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2956% | 878 |
| Assets per employee ($millions) | 3.1997% | 5,480 |
| Cash dividends to net income (ytd only)* | 87.5000% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1782% | 1,467 |
| Loan loss allowance to noncurrent loans | 619.2982% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 5,879 |
| Noncurrent loans to loans | 0.3517% | 5,407 |
| Net loans and leases to total assets | 35.3893% | 6,341 |
| Net loans and leases to deposits | 39.4844% | 6,427 |
| Net loans and leases to core deposits | 39.9280% | 6,479 |
| Total domestic deposits to total assets | 89.6285% | 1,246 |
| Equity capital to assets | 8.7151% | 5,529 |
| Core capital (leverage) ratio | 9.0631% | 4,893 |
| Tier 1 risk-based capital ratio | 17.7187% | 2,428 |
| Total risk-based capital ratio | 18.9324% | 2,410 |
| Memoranda: | ||
| Average total assets | $45,074,670 | 6,258 |
| Average earning assets | $42,714,330 | 6,199 |
| Average equity | $4,361,000 | 6,370 |
| Average total loans | $16,823,670 | 6,434 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0657% | 6,442 |
| Cost of funding earning assets | 0.4752% | 4,324 |
| Net interest margin | 2.5905% | 6,387 |
| Noninterest income to average assets | 0.2566% | 5,623 |
| Noninterest expense to average assets | 2.6452% | 4,260 |
| Loan and lease loss provision to assets | 0.1592% | 2,281 |
| Net operating income to assets | -0.0885% | 6,430 |
| Return on assets (ROA) | -0.0885% | 6,485 |
| Pretax return on assets | -0.0885% | 6,480 |
| Return on Equity (ROE) | -0.8716% | 6,490 |
| Retained earnings to average equity (ytd only) | -1.8303% | 6,062 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3941% | 666 |
| Assets per employee ($millions) | 3.2809% | 5,476 |
| Cash dividends to net income (ytd only)* | -110.0000% | 6,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2347% | 1,512 |
| Loan loss allowance to noncurrent loans | 144.8133% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.6009% | 4,885 |
| Noncurrent loans to loans | 1.5432% | 3,236 |
| Net loans and leases to total assets | 33.2404% | 6,453 |
| Net loans and leases to deposits | 37.5883% | 6,519 |
| Net loans and leases to core deposits | 38.0018% | 6,562 |
| Total domestic deposits to total assets | 88.4329% | 2,045 |
| Equity capital to assets | 9.9147% | 4,255 |
| Core capital (leverage) ratio | 8.9591% | 4,953 |
| Tier 1 risk-based capital ratio | 17.9556% | 2,384 |
| Total risk-based capital ratio | 19.2105% | 2,345 |
| Memoranda: | ||
| Average total assets | $45,214,000 | 6,311 |
| Average earning assets | $42,926,500 | 6,248 |
| Average equity | $4,589,500 | 6,374 |
| Average total loans | $17,132,500 | 6,481 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 5,675 |
| Cost of funding earning assets | 0.5918% | 4,423 |
| Net interest margin | 3.2758% | 5,336 |
| Noninterest income to average assets | 0.3139% | 5,208 |
| Noninterest expense to average assets | 2.7432% | 4,242 |
| Loan and lease loss provision to assets | 0.2277% | 2,854 |
| Net operating income to assets | 0.4134% | 5,043 |
| Return on assets (ROA) | 0.4134% | 5,298 |
| Pretax return on assets | 0.4266% | 5,494 |
| Return on Equity (ROE) | 4.0734% | 5,109 |
| Retained earnings to average equity (ytd only) | 1.1545% | 5,296 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7417% | 2,045 |
| Assets per employee ($millions) | 3.1783% | 5,678 |
| Cash dividends to net income (ytd only)* | 71.6578% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7804% | 2,653 |
| Loan loss allowance to noncurrent loans | 135.5102% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 4,893 |
| Noncurrent loans to loans | 1.3138% | 3,641 |
| Net loans and leases to total assets | 41.1633% | 6,081 |
| Net loans and leases to deposits | 47.1382% | 6,167 |
| Net loans and leases to core deposits | 47.6818% | 6,286 |
| Total domestic deposits to total assets | 87.3247% | 2,630 |
| Equity capital to assets | 10.3942% | 3,649 |
| Core capital (leverage) ratio | 9.2922% | 4,430 |
| Tier 1 risk-based capital ratio | 16.4810% | 2,905 |
| Total risk-based capital ratio | 17.7304% | 2,870 |
| Memoranda: | ||
| Average total assets | $45,239,600 | 6,343 |
| Average earning assets | $42,585,200 | 6,287 |
| Average equity | $4,590,800 | 6,419 |
| Average total loans | $19,853,400 | 6,433 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 5,560 |
| Cost of funding earning assets | 0.6219% | 4,436 |
| Net interest margin | 3.3625% | 5,172 |
| Noninterest income to average assets | 0.2788% | 5,546 |
| Noninterest expense to average assets | 2.7385% | 4,218 |
| Loan and lease loss provision to assets | 0.1321% | 3,898 |
| Net operating income to assets | 0.5401% | 4,659 |
| Return on assets (ROA) | 0.5401% | 4,926 |
| Pretax return on assets | 0.5665% | 5,260 |
| Return on Equity (ROE) | 5.3539% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.6846% | 3,602 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6755% | 2,141 |
| Assets per employee ($millions) | 3.2213% | 5,592 |
| Cash dividends to net income (ytd only)* | 12.5015% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 4,133 |
| Loan loss allowance to noncurrent loans | 112.8099% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 5,137 |
| Noncurrent loans to loans | 1.2909% | 3,885 |
| Net loans and leases to total assets | 40.9619% | 6,205 |
| Net loans and leases to deposits | 47.0159% | 6,315 |
| Net loans and leases to core deposits | 47.3740% | 6,451 |
| Total domestic deposits to total assets | 87.1236% | 2,595 |
| Equity capital to assets | 10.5792% | 3,755 |
| Core capital (leverage) ratio | 9.4554% | 4,342 |
| Tier 1 risk-based capital ratio | 17.0772% | 2,702 |
| Total risk-based capital ratio | 18.1741% | 2,733 |
| Memoranda: | ||
| Average total assets | $45,425,500 | 6,410 |
| Average earning assets | $42,666,000 | 6,359 |
| Average equity | $4,582,250 | 6,497 |
| Average total loans | $20,154,750 | 6,506 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 5,253 |
| Cost of funding earning assets | 0.6528% | 4,417 |
| Net interest margin | 3.4647% | 4,820 |
| Noninterest income to average assets | 0.1625% | 6,364 |
| Noninterest expense to average assets | 2.7320% | 4,279 |
| Loan and lease loss provision to assets | 0.0659% | 4,813 |
| Net operating income to assets | 0.5973% | 4,378 |
| Return on assets (ROA) | 0.5973% | 4,638 |
| Pretax return on assets | 0.6281% | 5,037 |
| Return on Equity (ROE) | 6.0186% | 4,321 |
| Retained earnings to average equity (ytd only) | 5.5318% | 2,972 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7436% | 2,227 |
| Assets per employee ($millions) | 3.4122% | 5,193 |
| Cash dividends to net income (ytd only)* | 8.0882% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 5,225 |
| Loan loss allowance to noncurrent loans | 4,050.0000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 6,570 |
| Noncurrent loans to loans | 0.0303% | 6,613 |
| Net loans and leases to total assets | 44.0845% | 6,007 |
| Net loans and leases to deposits | 50.5010% | 6,147 |
| Net loans and leases to core deposits | 51.8398% | 6,246 |
| Total domestic deposits to total assets | 87.2943% | 2,599 |
| Equity capital to assets | 10.4040% | 3,807 |
| Core capital (leverage) ratio | 9.2471% | 4,531 |
| Tier 1 risk-based capital ratio | 16.7495% | 2,787 |
| Total risk-based capital ratio | 17.7153% | 2,902 |
| Memoranda: | ||
| Average total assets | $45,534,670 | 6,446 |
| Average earning assets | $42,890,330 | 6,384 |
| Average equity | $4,519,330 | 6,543 |
| Average total loans | $20,624,330 | 6,533 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 4,109 |
| Cost of funding earning assets | 0.7033% | 4,250 |
| Net interest margin | 3.7480% | 3,605 |
| Noninterest income to average assets | 0.1734% | 6,336 |
| Noninterest expense to average assets | 2.7665% | 4,176 |
| Loan and lease loss provision to assets | 0.0694% | 4,542 |
| Net operating income to assets | 0.8065% | 3,345 |
| Return on assets (ROA) | 0.8065% | 3,586 |
| Pretax return on assets | 0.8499% | 4,229 |
| Return on Equity (ROE) | 8.3194% | 3,132 |
| Retained earnings to average equity (ytd only) | 8.3194% | 1,852 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0588% | 2,929 |
| Assets per employee ($millions) | 3.2551% | 5,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 5,592 |
| Loan loss allowance to noncurrent loans | 1,815.3846% | 245 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 4,403 |
| Noncurrent loans to loans | 0.0650% | 6,590 |
| Net loans and leases to total assets | 43.3894% | 6,063 |
| Net loans and leases to deposits | 49.6722% | 6,165 |
| Net loans and leases to core deposits | 50.9456% | 6,279 |
| Total domestic deposits to total assets | 87.3516% | 2,745 |
| Equity capital to assets | 9.8813% | 4,281 |
| Core capital (leverage) ratio | 8.8639% | 5,042 |
| Tier 1 risk-based capital ratio | 15.6800% | 3,346 |
| Total risk-based capital ratio | 16.5648% | 3,506 |
| Memoranda: | ||
| Average total assets | $46,123,000 | 6,482 |
| Average earning assets | $43,222,500 | 6,422 |
| Average equity | $4,471,500 | 6,589 |
| Average total loans | $21,037,500 | 6,558 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 6,468 |
| Cost of funding earning assets | 1.0450% | 3,065 |
| Net interest margin | 2.9456% | 6,614 |
| Noninterest income to average assets | 0.3506% | 4,998 |
| Noninterest expense to average assets | 2.7806% | 4,423 |
| Loan and lease loss provision to assets | 0.4119% | 2,534 |
| Net operating income to assets | -0.0745% | 6,137 |
| Return on assets (ROA) | -0.0745% | 6,217 |
| Pretax return on assets | -0.0811% | 6,201 |
| Return on Equity (ROE) | -0.8000% | 6,227 |
| Retained earnings to average equity (ytd only) | -2.6118% | 6,228 |
| Net charge-offs to loans | 1.3599% | 1,214 |
| Credit loss provision to net charge-offs | 64.3836% | 5,048 |
| Earnings coverage of net charge-offs (x) | 0.5171% | 5,442 |
| Efficiency ratio | 89.3662% | 1,240 |
| Assets per employee ($millions) | 3.3339% | 5,421 |
| Cash dividends to net income (ytd only)* | -226.4706% | 7,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 6,058 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9920% | 4,623 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 46.7874% | 5,939 |
| Net loans and leases to deposits | 54.0103% | 6,068 |
| Net loans and leases to core deposits | 56.1850% | 6,145 |
| Total domestic deposits to total assets | 86.6267% | 2,960 |
| Equity capital to assets | 9.5126% | 4,870 |
| Core capital (leverage) ratio | 8.8045% | 5,091 |
| Tier 1 risk-based capital ratio | 14.1739% | 4,197 |
| Total risk-based capital ratio | 14.9636% | 4,507 |
| Memoranda: | ||
| Average total assets | $45,637,200 | 6,491 |
| Average earning assets | $42,775,000 | 6,430 |
| Average equity | $4,250,000 | 6,675 |
| Average total loans | $21,472,600 | 6,581 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 6,562 |
| Cost of funding earning assets | 1.0868% | 3,066 |
| Net interest margin | 2.9253% | 6,717 |
| Noninterest income to average assets | 0.3761% | 4,859 |
| Noninterest expense to average assets | 2.7678% | 4,472 |
| Loan and lease loss provision to assets | 0.2057% | 3,962 |
| Net operating income to assets | 0.1381% | 5,867 |
| Return on assets (ROA) | 0.1381% | 5,995 |
| Pretax return on assets | 0.1469% | 6,009 |
| Return on Equity (ROE) | 1.4913% | 5,942 |
| Retained earnings to average equity (ytd only) | -0.9518% | 6,147 |
| Net charge-offs to loans | 0.5127% | 2,710 |
| Credit loss provision to net charge-offs | 85.3659% | 3,950 |
| Earnings coverage of net charge-offs (x) | 1.4635% | 4,534 |
| Efficiency ratio | 88.7006% | 1,272 |
| Assets per employee ($millions) | 3.4867% | 5,036 |
| Cash dividends to net income (ytd only)* | 163.8104% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 4,306 |
| Loan loss allowance to noncurrent loans | 47.8326% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 1.5532% | 3,764 |
| Noncurrent loans to loans | 3.0459% | 2,276 |
| Net loans and leases to total assets | 47.7508% | 5,984 |
| Net loans and leases to deposits | 55.3569% | 6,088 |
| Net loans and leases to core deposits | 57.6543% | 6,156 |
| Total domestic deposits to total assets | 86.2598% | 3,062 |
| Equity capital to assets | 9.8771% | 4,512 |
| Core capital (leverage) ratio | 9.0460% | 4,854 |
| Tier 1 risk-based capital ratio | 14.7887% | 3,782 |
| Total risk-based capital ratio | 15.9222% | 3,833 |
| Memoranda: | ||
| Average total assets | $45,377,750 | 6,551 |
| Average earning assets | $42,570,500 | 6,497 |
| Average equity | $4,202,500 | 6,742 |
| Average total loans | $21,324,250 | 6,658 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 6,724 |
| Cost of funding earning assets | 1.1122% | 3,154 |
| Net interest margin | 2.8464% | 6,870 |
| Noninterest income to average assets | 0.3304% | 5,248 |
| Noninterest expense to average assets | 2.8109% | 4,384 |
| Loan and lease loss provision to assets | 0.0661% | 5,484 |
| Net operating income to assets | 0.1101% | 5,990 |
| Return on assets (ROA) | 0.1101% | 6,072 |
| Pretax return on assets | 0.1146% | 6,079 |
| Return on Equity (ROE) | 1.2162% | 6,028 |
| Retained earnings to average equity (ytd only) | -2.5298% | 6,314 |
| Net charge-offs to loans | 0.5874% | 2,351 |
| Credit loss provision to net charge-offs | 24.1935% | 5,076 |
| Earnings coverage of net charge-offs (x) | 0.6613% | 4,797 |
| Efficiency ratio | 93.9617% | 978 |
| Assets per employee ($millions) | 3.3041% | 5,419 |
| Cash dividends to net income (ytd only)* | 308.0000% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 4,864 |
| Loan loss allowance to noncurrent loans | 43.1818% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 1.5024% | 3,949 |
| Noncurrent loans to loans | 3.1090% | 2,318 |
| Net loans and leases to total assets | 45.2765% | 6,327 |
| Net loans and leases to deposits | 51.0854% | 6,529 |
| Net loans and leases to core deposits | 53.4558% | 6,594 |
| Total domestic deposits to total assets | 88.6290% | 1,766 |
| Equity capital to assets | 9.1703% | 5,320 |
| Core capital (leverage) ratio | 8.9983% | 4,722 |
| Tier 1 risk-based capital ratio | 14.8534% | 3,576 |
| Total risk-based capital ratio | 15.8727% | 3,677 |
| Memoranda: | ||
| Average total assets | $45,394,670 | 6,615 |
| Average earning assets | $42,439,670 | 6,561 |
| Average equity | $4,111,000 | 6,817 |
| Average total loans | $21,111,000 | 6,741 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7859% | 6,962 |
| Cost of funding earning assets | 1.1245% | 3,333 |
| Net interest margin | 2.6614% | 7,060 |
| Noninterest income to average assets | 0.2402% | 5,984 |
| Noninterest expense to average assets | 2.9891% | 3,692 |
| Loan and lease loss provision to assets | 0.0890% | 4,899 |
| Net operating income to assets | -0.3114% | 6,673 |
| Return on assets (ROA) | -0.3114% | 6,683 |
| Pretax return on assets | -0.3114% | 6,630 |
| Return on Equity (ROE) | -3.4606% | 6,706 |
| Retained earnings to average equity (ytd only) | -11.0740% | 6,909 |
| Net charge-offs to loans | 1.0450% | 1,307 |
| Credit loss provision to net charge-offs | 18.1818% | 4,272 |
| Earnings coverage of net charge-offs (x) | -0.4545% | 4,776 |
| Efficiency ratio | 108.0386% | 540 |
| Assets per employee ($millions) | 3.2938% | 5,496 |
| Cash dividends to net income (ytd only)* | -220.0000% | 7,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 4,572 |
| Loan loss allowance to noncurrent loans | 42.4556% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 1.5419% | 3,933 |
| Noncurrent loans to loans | 3.3403% | 2,247 |
| Net loans and leases to total assets | 43.2655% | 6,525 |
| Net loans and leases to deposits | 48.2549% | 6,743 |
| Net loans and leases to core deposits | 51.2365% | 6,719 |
| Total domestic deposits to total assets | 89.6602% | 1,384 |
| Equity capital to assets | 8.8131% | 5,470 |
| Core capital (leverage) ratio | 8.8654% | 4,830 |
| Tier 1 risk-based capital ratio | 15.1000% | 3,374 |
| Total risk-based capital ratio | 16.1588% | 3,437 |
| Memoranda: | ||
| Average total assets | $44,963,000 | 6,669 |
| Average earning assets | $42,684,500 | 6,600 |
| Average equity | $4,045,500 | 6,875 |
| Average total loans | $21,052,000 | 6,794 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 5,293 |
| Cost of funding earning assets | 1.1981% | 4,574 |
| Net interest margin | 3.6369% | 4,634 |
| Noninterest income to average assets | 0.4039% | 4,880 |
| Noninterest expense to average assets | 3.1545% | 3,255 |
| Loan and lease loss provision to assets | 0.1239% | 5,922 |
| Net operating income to assets | 0.4783% | 4,200 |
| Return on assets (ROA) | 0.4783% | 4,359 |
| Pretax return on assets | 0.5030% | 4,613 |
| Return on Equity (ROE) | 4.6582% | 4,227 |
| Retained earnings to average equity (ytd only) | 4.0307% | 3,040 |
| Net charge-offs to loans | -0.0806% | 7,485 |
| Credit loss provision to net charge-offs | -277.7778% | 7,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4207% | 1,993 |
| Assets per employee ($millions) | 2.9209% | 6,269 |
| Cash dividends to net income (ytd only)* | 13.4715% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 3,904 |
| Loan loss allowance to noncurrent loans | 1,580.9524% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 6,919 |
| Noncurrent loans to loans | 0.0960% | 6,893 |
| Net loans and leases to total assets | 49.1498% | 6,260 |
| Net loans and leases to deposits | 55.8339% | 6,459 |
| Net loans and leases to core deposits | 59.8732% | 6,404 |
| Total domestic deposits to total assets | 88.0287% | 2,234 |
| Equity capital to assets | 9.1913% | 4,854 |
| Core capital (leverage) ratio | 10.5500% | 2,507 |
| Tier 1 risk-based capital ratio | 15.2499% | 3,127 |
| Total risk-based capital ratio | 16.4539% | 3,100 |
| Memoranda: | ||
| Average total assets | $40,354,600 | 6,853 |
| Average earning assets | $37,476,600 | 6,820 |
| Average equity | $4,143,200 | 6,943 |
| Average total loans | $22,331,200 | 6,804 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 4,965 |
| Cost of funding earning assets | 1.2105% | 4,801 |
| Net interest margin | 3.7560% | 4,161 |
| Noninterest income to average assets | 0.3950% | 5,001 |
| Noninterest expense to average assets | 3.1940% | 2,947 |
| Loan and lease loss provision to assets | 0.1519% | 5,524 |
| Net operating income to assets | 0.4828% | 4,391 |
| Return on assets (ROA) | 0.4828% | 4,590 |
| Pretax return on assets | 0.5166% | 4,870 |
| Return on Equity (ROE) | 4.5697% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.0266% | 3,641 |
| Net charge-offs to loans | -0.1010% | 7,556 |
| Credit loss provision to net charge-offs | -264.7059% | 6,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6923% | 1,985 |
| Assets per employee ($millions) | 2.9598% | 6,249 |
| Cash dividends to net income (ytd only)* | 11.8903% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 4,271 |
| Loan loss allowance to noncurrent loans | 2,716.6667% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 7,075 |
| Noncurrent loans to loans | 0.0529% | 7,112 |
| Net loans and leases to total assets | 53.9276% | 5,859 |
| Net loans and leases to deposits | 62.6992% | 6,054 |
| Net loans and leases to core deposits | 67.6148% | 5,981 |
| Total domestic deposits to total assets | 86.0101% | 3,067 |
| Equity capital to assets | 10.3217% | 3,736 |
| Core capital (leverage) ratio | 10.5049% | 2,680 |
| Tier 1 risk-based capital ratio | 14.6976% | 3,392 |
| Total risk-based capital ratio | 15.8480% | 3,429 |
| Memoranda: | ||
| Average total assets | $39,490,000 | 6,963 |
| Average earning assets | $36,456,250 | 6,944 |
| Average equity | $4,172,250 | 7,025 |
| Average total loans | $22,447,500 | 6,885 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9528% | 5,167 |
| Cost of funding earning assets | 1.2340% | 4,936 |
| Net interest margin | 3.7188% | 4,273 |
| Noninterest income to average assets | 0.3913% | 4,981 |
| Noninterest expense to average assets | 3.2285% | 2,804 |
| Loan and lease loss provision to assets | 0.1545% | 5,355 |
| Net operating income to assets | 0.3965% | 4,771 |
| Return on assets (ROA) | 0.3965% | 4,931 |
| Pretax return on assets | 0.4222% | 5,147 |
| Return on Equity (ROE) | 3.7222% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.3355% | 3,985 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8444% | 1,830 |
| Assets per employee ($millions) | 3.2178% | 5,640 |
| Cash dividends to net income (ytd only)* | 10.3896% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 4,899 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 7,122 |
| Noncurrent loans to loans | 0.0266% | 7,257 |
| Net loans and leases to total assets | 57.6475% | 5,467 |
| Net loans and leases to deposits | 66.4815% | 5,748 |
| Net loans and leases to core deposits | 72.0482% | 5,662 |
| Total domestic deposits to total assets | 86.7121% | 2,696 |
| Equity capital to assets | 10.9209% | 2,949 |
| Core capital (leverage) ratio | 10.7582% | 2,427 |
| Tier 1 risk-based capital ratio | 15.1041% | 3,103 |
| Total risk-based capital ratio | 16.1850% | 3,158 |
| Memoranda: | ||
| Average total assets | $38,841,000 | 7,035 |
| Average earning assets | $35,656,330 | 7,017 |
| Average equity | $4,137,330 | 7,063 |
| Average total loans | $22,372,670 | 6,942 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8966% | 5,475 |
| Cost of funding earning assets | 1.2523% | 5,098 |
| Net interest margin | 3.6442% | 4,519 |
| Noninterest income to average assets | 0.2978% | 5,765 |
| Noninterest expense to average assets | 3.2962% | 2,544 |
| Loan and lease loss provision to assets | 0.1540% | 4,992 |
| Net operating income to assets | 0.1540% | 5,842 |
| Return on assets (ROA) | 0.1540% | 5,970 |
| Pretax return on assets | 0.1643% | 5,984 |
| Return on Equity (ROE) | 1.4643% | 5,977 |
| Retained earnings to average equity (ytd only) | 1.4643% | 5,217 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1932% | 1,334 |
| Assets per employee ($millions) | 2.9232% | 6,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 5,079 |
| Loan loss allowance to noncurrent loans | 2,790.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 7,180 |
| Noncurrent loans to loans | 0.0456% | 7,298 |
| Net loans and leases to total assets | 56.9643% | 5,614 |
| Net loans and leases to deposits | 64.6816% | 5,977 |
| Net loans and leases to core deposits | 70.0754% | 5,910 |
| Total domestic deposits to total assets | 88.0687% | 2,019 |
| Equity capital to assets | 10.7971% | 2,956 |
| Core capital (leverage) ratio | 10.3361% | 2,773 |
| Tier 1 risk-based capital ratio | 15.2546% | 2,982 |
| Total risk-based capital ratio | 16.3047% | 3,049 |
| Memoranda: | ||
| Average total assets | $38,954,500 | 7,118 |
| Average earning assets | $35,453,500 | 7,107 |
| Average equity | $4,097,500 | 7,147 |
| Average total loans | $22,282,000 | 7,038 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2908% | 5,223 |
| Cost of funding earning assets | 1.4154% | 5,866 |
| Net interest margin | 3.8753% | 3,375 |
| Noninterest income to average assets | 0.3809% | 5,368 |
| Noninterest expense to average assets | 3.2242% | 3,302 |
| Loan and lease loss provision to assets | 0.1799% | 5,902 |
| Net operating income to assets | 0.5422% | 3,562 |
| Return on assets (ROA) | 0.5422% | 3,647 |
| Pretax return on assets | 0.5687% | 3,990 |
| Return on Equity (ROE) | 4.9591% | 3,685 |
| Retained earnings to average equity (ytd only) | -0.6532% | 5,159 |
| Net charge-offs to loans | 0.8715% | 2,657 |
| Credit loss provision to net charge-offs | 34.0000% | 6,875 |
| Earnings coverage of net charge-offs (x) | 1.4150% | 4,711 |
| Efficiency ratio | 81.1585% | 2,717 |
| Assets per employee ($millions) | 3.0698% | 6,052 |
| Cash dividends to net income (ytd only)* | 113.1707% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 5,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 7,275 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 56.0639% | 5,943 |
| Net loans and leases to deposits | 63.8327% | 6,288 |
| Net loans and leases to core deposits | 74.6397% | 6,496 |
| Total domestic deposits to total assets | 87.8295% | 2,059 |
| Equity capital to assets | 10.2536% | 3,454 |
| Core capital (leverage) ratio | 10.5607% | 2,542 |
| Tier 1 risk-based capital ratio | 14.5708% | 3,163 |
| Total risk-based capital ratio | 15.5234% | 3,283 |
| Memoranda: | ||
| Average total assets | $37,808,200 | 7,177 |
| Average earning assets | $35,042,200 | 7,136 |
| Average equity | $4,133,800 | 7,240 |
| Average total loans | $22,949,800 | 7,028 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2997% | 5,424 |
| Cost of funding earning assets | 1.4305% | 6,121 |
| Net interest margin | 3.8692% | 3,348 |
| Noninterest income to average assets | 0.3934% | 5,352 |
| Noninterest expense to average assets | 3.1756% | 3,379 |
| Loan and lease loss provision to assets | 0.1895% | 5,479 |
| Net operating income to assets | 0.6151% | 3,556 |
| Return on assets (ROA) | 0.6151% | 3,605 |
| Pretax return on assets | 0.6652% | 3,970 |
| Return on Equity (ROE) | 5.5337% | 3,718 |
| Retained earnings to average equity (ytd only) | -1.9304% | 5,710 |
| Net charge-offs to loans | 0.9901% | 1,988 |
| Credit loss provision to net charge-offs | 30.9942% | 6,501 |
| Earnings coverage of net charge-offs (x) | 1.3977% | 4,734 |
| Efficiency ratio | 78.7933% | 3,034 |
| Assets per employee ($millions) | 2.9545% | 6,276 |
| Cash dividends to net income (ytd only)* | 134.8842% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 5,241 |
| Loan loss allowance to noncurrent loans | 94.5392% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.8540% | 5,389 |
| Noncurrent loans to loans | 1.2460% | 4,861 |
| Net loans and leases to total assets | 60.5056% | 5,503 |
| Net loans and leases to deposits | 70.4703% | 5,851 |
| Net loans and leases to core deposits | 82.0789% | 6,178 |
| Total domestic deposits to total assets | 85.8597% | 2,772 |
| Equity capital to assets | 10.6931% | 3,295 |
| Core capital (leverage) ratio | 10.4328% | 2,846 |
| Tier 1 risk-based capital ratio | 14.3071% | 3,380 |
| Total risk-based capital ratio | 15.2964% | 3,473 |
| Memoranda: | ||
| Average total assets | $37,283,250 | 7,261 |
| Average earning assets | $35,045,250 | 7,207 |
| Average equity | $4,144,250 | 7,307 |
| Average total loans | $23,027,750 | 7,086 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2804% | 5,746 |
| Cost of funding earning assets | 1.4454% | 6,333 |
| Net interest margin | 3.8351% | 3,390 |
| Noninterest income to average assets | 0.3739% | 5,517 |
| Noninterest expense to average assets | 3.0237% | 3,996 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8941% | 2,476 |
| Return on assets (ROA) | 0.8941% | 2,586 |
| Pretax return on assets | 0.9591% | 3,145 |
| Return on Equity (ROE) | 7.9390% | 2,801 |
| Retained earnings to average equity (ytd only) | -2.6945% | 5,909 |
| Net charge-offs to loans | 1.4957% | 1,266 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.0351% | 4,753 |
| Efficiency ratio | 75.9184% | 3,708 |
| Assets per employee ($millions) | 2.9407% | 6,291 |
| Cash dividends to net income (ytd only)* | 133.9394% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 6,327 |
| Loan loss allowance to noncurrent loans | 703.1250% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 7,108 |
| Noncurrent loans to loans | 0.1407% | 7,168 |
| Net loans and leases to total assets | 58.8977% | 5,853 |
| Net loans and leases to deposits | 67.0578% | 6,283 |
| Net loans and leases to core deposits | 77.4784% | 6,579 |
| Total domestic deposits to total assets | 87.8312% | 1,848 |
| Equity capital to assets | 10.6751% | 3,227 |
| Core capital (leverage) ratio | 10.4659% | 2,843 |
| Tier 1 risk-based capital ratio | 14.7091% | 3,141 |
| Total risk-based capital ratio | 15.5344% | 3,295 |
| Memoranda: | ||
| Average total assets | $36,908,330 | 7,342 |
| Average earning assets | $34,732,000 | 7,283 |
| Average equity | $4,156,670 | 7,360 |
| Average total loans | $22,865,000 | 7,152 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3919% | 5,468 |
| Cost of funding earning assets | 1.4417% | 6,608 |
| Net interest margin | 3.9501% | 2,850 |
| Noninterest income to average assets | 0.2097% | 6,791 |
| Noninterest expense to average assets | 2.7477% | 4,792 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1145% | 1,910 |
| Return on assets (ROA) | 1.1145% | 2,033 |
| Pretax return on assets | 1.1808% | 2,687 |
| Return on Equity (ROE) | 9.6317% | 2,481 |
| Retained earnings to average equity (ytd only) | -6.1032% | 6,696 |
| Net charge-offs to loans | 1.5179% | 954 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.2299% | 4,138 |
| Efficiency ratio | 69.9438% | 4,590 |
| Assets per employee ($millions) | 2.8495% | 6,533 |
| Cash dividends to net income (ytd only)* | 163.3663% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 3,835 |
| Loan loss allowance to noncurrent loans | 114.8699% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.8207% | 5,127 |
| Noncurrent loans to loans | 1.1696% | 4,649 |
| Net loans and leases to total assets | 61.2531% | 5,457 |
| Net loans and leases to deposits | 70.1434% | 5,962 |
| Net loans and leases to core deposits | 79.6643% | 6,408 |
| Total domestic deposits to total assets | 87.3255% | 2,050 |
| Equity capital to assets | 11.1789% | 2,827 |
| Core capital (leverage) ratio | 10.8656% | 2,608 |
| Tier 1 risk-based capital ratio | 14.6293% | 3,240 |
| Total risk-based capital ratio | 15.7589% | 3,231 |
| Memoranda: | ||
| Average total assets | $36,248,000 | 7,409 |
| Average earning assets | $34,125,500 | 7,348 |
| Average equity | $4,194,500 | 7,384 |
| Average total loans | $22,927,000 | 7,187 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1859% | 4,588 |
| Cost of funding earning assets | 1.9433% | 6,602 |
| Net interest margin | 4.2426% | 2,146 |
| Noninterest income to average assets | 0.5367% | 4,343 |
| Noninterest expense to average assets | 3.5042% | 2,384 |
| Loan and lease loss provision to assets | 0.0488% | 6,803 |
| Net operating income to assets | 0.8753% | 3,110 |
| Return on assets (ROA) | 0.8753% | 2,959 |
| Pretax return on assets | 0.9184% | 3,666 |
| Return on Equity (ROE) | 7.5149% | 3,273 |
| Retained earnings to average equity (ytd only) | 4.3118% | 2,434 |
| Net charge-offs to loans | 0.1418% | 4,799 |
| Credit loss provision to net charge-offs | 54.8387% | 6,295 |
| Earnings coverage of net charge-offs (x) | 10.8710% | 2,452 |
| Efficiency ratio | 78.3697% | 2,861 |
| Assets per employee ($millions) | 2.5324% | 7,145 |
| Cash dividends to net income (ytd only)* | 42.6230% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7327% | 1,817 |
| Loan loss allowance to noncurrent loans | 168.5106% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.7616% | 4,940 |
| Noncurrent loans to loans | 1.0282% | 4,531 |
| Net loans and leases to total assets | 63.3487% | 5,394 |
| Net loans and leases to deposits | 73.5758% | 5,888 |
| Net loans and leases to core deposits | 81.3290% | 6,513 |
| Total domestic deposits to total assets | 86.0999% | 2,358 |
| Equity capital to assets | 11.9821% | 2,301 |
| Core capital (leverage) ratio | 11.1355% | 2,478 |
| Tier 1 risk-based capital ratio | 15.3887% | 2,883 |
| Total risk-based capital ratio | 16.6414% | 2,817 |
| Memoranda: | ||
| Average total assets | $34,844,000 | 7,429 |
| Average earning assets | $32,315,400 | 7,395 |
| Average equity | $4,058,600 | 7,492 |
| Average total loans | $21,863,200 | 7,203 |