Home > The Freeport State Bank > Performance and Condition Ratios
The Freeport State Bank, Performance and Condition Ratios
| 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 | 4.6087% | 1,542 |
| Cost of funding earning assets | 0.3754% | 3,773 |
| Net interest margin | 4.2334% | 1,097 |
| Noninterest income to average assets | 0.6058% | 2,228 |
| Noninterest expense to average assets | 3.8552% | 624 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4597% | 4,791 |
| Return on assets (ROA) | 0.4773% | 4,751 |
| Pretax return on assets | 0.4957% | 4,878 |
| Return on Equity (ROE) | 10.1911% | 2,337 |
| Retained earnings to average equity (ytd only) | 10.1911% | 1,105 |
| 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 | 88.9831% | 487 |
| Assets per employee ($millions) | 2.6935% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6102% | 227 |
| Loan loss allowance to noncurrent loans | 303.6364% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 3.1929% | 239 |
| Noncurrent loans to loans | 0.8596% | 2,103 |
| Net loans and leases to total assets | 57.8337% | 3,954 |
| Net loans and leases to deposits | 60.6925% | 4,424 |
| Net loans and leases to core deposits | 63.1755% | 4,473 |
| Total domestic deposits to total assets | 95.2896% | 5 |
| Equity capital to assets | 4.6362% | 5,587 |
| Core capital (leverage) ratio | 5.0140% | 5,591 |
| Tier 1 risk-based capital ratio | 9.7445% | 5,536 |
| Total risk-based capital ratio | 11.0177% | 5,505 |
| Memoranda: | ||
| Average total assets | $21,789,000 | 5,520 |
| Average earning assets | $19,181,000 | 5,517 |
| Average equity | $1,020,500 | 5,597 |
| Average total loans | $13,472,500 | 5,412 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 1,501 |
| Cost of funding earning assets | 0.2654% | 4,432 |
| Net interest margin | 4.3100% | 947 |
| Noninterest income to average assets | 0.5920% | 2,487 |
| Noninterest expense to average assets | 4.3747% | 350 |
| Loan and lease loss provision to assets | 1.5105% | 56 |
| Net operating income to assets | -1.9719% | 5,640 |
| Return on assets (ROA) | -1.9588% | 5,639 |
| Pretax return on assets | -1.4626% | 5,630 |
| Return on Equity (ROE) | -33.1907% | 5,657 |
| Retained earnings to average equity (ytd only) | -33.1907% | 5,647 |
| Net charge-offs to loans | 2.1890% | 61 |
| Credit loss provision to net charge-offs | 103.2738% | 2,476 |
| Earnings coverage of net charge-offs (x) | 0.0238% | 4,016 |
| Efficiency ratio | 99.2103% | 185 |
| Assets per employee ($millions) | 2.4478% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3606% | 294 |
| Loan loss allowance to noncurrent loans | 108.4416% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 2.6237% | 340 |
| Noncurrent loans to loans | 2.1768% | 674 |
| Net loans and leases to total assets | 62.7099% | 3,524 |
| Net loans and leases to deposits | 69.9104% | 3,885 |
| Net loans and leases to core deposits | 72.8870% | 3,977 |
| Total domestic deposits to total assets | 89.7004% | 682 |
| Equity capital to assets | 4.7299% | 5,653 |
| Core capital (leverage) ratio | 4.8595% | 5,655 |
| Tier 1 risk-based capital ratio | 8.4436% | 5,646 |
| Total risk-based capital ratio | 9.7051% | 5,645 |
| Memoranda: | ||
| Average total assets | $22,973,000 | 5,572 |
| Average earning assets | $20,348,000 | 5,561 |
| Average equity | $1,355,800 | 5,651 |
| Average total loans | $15,349,800 | 5,431 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5064% | 1,621 |
| Cost of funding earning assets | 0.2204% | 4,809 |
| Net interest margin | 4.2860% | 955 |
| Noninterest income to average assets | 0.5745% | 2,611 |
| Noninterest expense to average assets | 4.2569% | 387 |
| Loan and lease loss provision to assets | 0.7641% | 144 |
| Net operating income to assets | -0.6492% | 5,643 |
| Return on assets (ROA) | -0.6377% | 5,643 |
| Pretax return on assets | -0.6377% | 5,636 |
| Return on Equity (ROE) | -10.3190% | 5,672 |
| Retained earnings to average equity (ytd only) | -13.2934% | 5,645 |
| Net charge-offs to loans | 0.2556% | 850 |
| Credit loss provision to net charge-offs | 443.3333% | 712 |
| Earnings coverage of net charge-offs (x) | 0.6668% | 3,645 |
| Efficiency ratio | 97.3719% | 214 |
| Assets per employee ($millions) | 2.2082% | 5,596 |
| Cash dividends to net income (ytd only)* | -28.8311% | 5,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7870% | 190 |
| Loan loss allowance to noncurrent loans | 116.0763% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 2.8847% | 325 |
| Noncurrent loans to loans | 2.4010% | 654 |
| Net loans and leases to total assets | 67.2901% | 2,949 |
| Net loans and leases to deposits | 71.9738% | 3,778 |
| Net loans and leases to core deposits | 74.8904% | 3,897 |
| Total domestic deposits to total assets | 93.4924% | 18 |
| Equity capital to assets | 6.2494% | 5,697 |
| Core capital (leverage) ratio | 5.8016% | 5,700 |
| Tier 1 risk-based capital ratio | 9.5167% | 5,670 |
| Total risk-based capital ratio | 10.7894% | 5,644 |
| Memoranda: | ||
| Average total assets | $23,208,750 | 5,632 |
| Average earning assets | $20,562,750 | 5,624 |
| Average equity | $1,434,250 | 5,713 |
| Average total loans | $15,650,000 | 5,486 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 1,607 |
| Cost of funding earning assets | 0.2295% | 4,720 |
| Net interest margin | 4.2370% | 1,001 |
| Noninterest income to average assets | 0.5767% | 2,572 |
| Noninterest expense to average assets | 4.1129% | 461 |
| Loan and lease loss provision to assets | 0.0594% | 2,782 |
| Net operating income to assets | 0.1370% | 5,458 |
| Return on assets (ROA) | 0.1442% | 5,455 |
| Pretax return on assets | 0.1696% | 5,452 |
| Return on Equity (ROE) | 2.3411% | 5,272 |
| Retained earnings to average equity (ytd only) | -0.5508% | 5,163 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9119% | 283 |
| Assets per employee ($millions) | 2.3711% | 5,601 |
| Cash dividends to net income (ytd only)* | 123.5294% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1347% | 477 |
| Loan loss allowance to noncurrent loans | 82.9146% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 2.8173% | 347 |
| Noncurrent loans to loans | 2.5746% | 562 |
| Net loans and leases to total assets | 63.8058% | 3,412 |
| Net loans and leases to deposits | 68.2809% | 4,042 |
| Net loans and leases to core deposits | 70.8519% | 4,175 |
| Total domestic deposits to total assets | 93.4461% | 20 |
| Equity capital to assets | 6.3852% | 5,737 |
| Core capital (leverage) ratio | 6.4788% | 5,733 |
| Tier 1 risk-based capital ratio | 10.3513% | 5,519 |
| Total risk-based capital ratio | 11.6123% | 5,448 |
| Memoranda: | ||
| Average total assets | $23,584,330 | 5,672 |
| Average earning assets | $20,911,000 | 5,665 |
| Average equity | $1,452,330 | 5,763 |
| Average total loans | $15,771,670 | 5,533 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4761% | 1,435 |
| Cost of funding earning assets | 0.2295% | 4,722 |
| Net interest margin | 4.2466% | 892 |
| Noninterest income to average assets | 0.5782% | 2,519 |
| Noninterest expense to average assets | 3.9624% | 563 |
| Loan and lease loss provision to assets | -0.1531% | 5,778 |
| Net operating income to assets | 0.5272% | 4,484 |
| Return on assets (ROA) | 0.5272% | 4,523 |
| Pretax return on assets | 0.5442% | 4,854 |
| Return on Equity (ROE) | 8.7232% | 2,555 |
| Retained earnings to average equity (ytd only) | 5.6279% | 2,529 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0156% | 504 |
| Assets per employee ($millions) | 2.3600% | 5,668 |
| Cash dividends to net income (ytd only)* | 35.4839% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0303% | 634 |
| Loan loss allowance to noncurrent loans | 78.8945% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 2.8305% | 369 |
| Noncurrent loans to loans | 2.5734% | 597 |
| Net loans and leases to total assets | 64.2034% | 3,245 |
| Net loans and leases to deposits | 68.4898% | 3,943 |
| Net loans and leases to core deposits | 71.0628% | 4,067 |
| Total domestic deposits to total assets | 93.7415% | 20 |
| Equity capital to assets | 6.1525% | 5,805 |
| Core capital (leverage) ratio | 6.4600% | 5,797 |
| Tier 1 risk-based capital ratio | 10.6884% | 5,463 |
| Total risk-based capital ratio | 11.9496% | 5,375 |
| Memoranda: | ||
| Average total assets | $23,521,000 | 5,743 |
| Average earning assets | $20,911,000 | 5,736 |
| Average equity | $1,421,500 | 5,828 |
| Average total loans | $15,928,000 | 5,592 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2869% | 2,183 |
| Cost of funding earning assets | 0.1496% | 5,429 |
| Net interest margin | 4.1373% | 1,280 |
| Noninterest income to average assets | 0.6199% | 2,554 |
| Noninterest expense to average assets | 4.1272% | 514 |
| Loan and lease loss provision to assets | 0.0042% | 4,275 |
| Net operating income to assets | 0.1706% | 5,461 |
| Return on assets (ROA) | 0.3037% | 5,278 |
| Pretax return on assets | 0.3037% | 5,361 |
| Return on Equity (ROE) | 4.2378% | 4,760 |
| Retained earnings to average equity (ytd only) | 0.3483% | 5,182 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9381% | 316 |
| Assets per employee ($millions) | 2.3612% | 5,715 |
| Cash dividends to net income (ytd only)* | 91.7808% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1435% | 1,612 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 68.6769% | 2,671 |
| Net loans and leases to deposits | 76.9698% | 3,205 |
| Net loans and leases to core deposits | 80.0118% | 3,397 |
| Total domestic deposits to total assets | 89.2258% | 997 |
| Equity capital to assets | 6.6110% | 5,829 |
| Core capital (leverage) ratio | 7.2209% | 5,786 |
| Tier 1 risk-based capital ratio | 11.1949% | 5,222 |
| Total risk-based capital ratio | 12.3462% | 5,179 |
| Memoranda: | ||
| Average total assets | $24,035,400 | 5,786 |
| Average earning assets | $21,390,800 | 5,779 |
| Average equity | $1,722,600 | 5,869 |
| Average total loans | $15,327,000 | 5,656 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 2,433 |
| Cost of funding earning assets | 0.1430% | 5,521 |
| Net interest margin | 4.0836% | 1,425 |
| Noninterest income to average assets | 0.6296% | 2,524 |
| Noninterest expense to average assets | 4.0483% | 552 |
| Loan and lease loss provision to assets | -0.0939% | 5,782 |
| Net operating income to assets | 0.2891% | 5,306 |
| Return on assets (ROA) | 0.4308% | 5,015 |
| Pretax return on assets | 0.4529% | 5,225 |
| Return on Equity (ROE) | 5.8990% | 4,118 |
| Retained earnings to average equity (ytd only) | 3.4787% | 3,813 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0713% | 345 |
| Assets per employee ($millions) | 2.3400% | 5,794 |
| Cash dividends to net income (ytd only)* | 41.0288% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 4,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1538% | 1,743 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 61.6068% | 3,675 |
| Net loans and leases to deposits | 66.8646% | 4,258 |
| Net loans and leases to core deposits | 67.8081% | 4,482 |
| Total domestic deposits to total assets | 92.1368% | 66 |
| Equity capital to assets | 7.6368% | 5,824 |
| Core capital (leverage) ratio | 7.1390% | 5,866 |
| Tier 1 risk-based capital ratio | 12.2437% | 4,647 |
| Total risk-based capital ratio | 13.3465% | 4,636 |
| Memoranda: | ||
| Average total assets | $24,141,250 | 5,848 |
| Average earning assets | $21,451,000 | 5,840 |
| Average equity | $1,763,000 | 5,933 |
| Average total loans | $15,061,250 | 5,723 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2071% | 2,489 |
| Cost of funding earning assets | 0.1476% | 5,559 |
| Net interest margin | 4.0595% | 1,479 |
| Noninterest income to average assets | 0.6150% | 2,541 |
| Noninterest expense to average assets | 3.8707% | 696 |
| Loan and lease loss provision to assets | -0.1394% | 5,903 |
| Net operating income to assets | 0.4801% | 4,765 |
| Return on assets (ROA) | 0.6232% | 4,304 |
| Pretax return on assets | 0.6397% | 4,789 |
| Return on Equity (ROE) | 8.6610% | 2,665 |
| Retained earnings to average equity (ytd only) | 6.2678% | 1,975 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6505% | 513 |
| Assets per employee ($millions) | 2.5143% | 5,776 |
| Cash dividends to net income (ytd only)* | 27.6316% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 4,329 |
| Loan loss allowance to noncurrent loans | 181.3953% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 1.4159% | 1,375 |
| Noncurrent loans to loans | 0.5701% | 3,355 |
| Net loans and leases to total assets | 59.3764% | 3,966 |
| Net loans and leases to deposits | 64.0867% | 4,485 |
| Net loans and leases to core deposits | 64.9228% | 4,684 |
| Total domestic deposits to total assets | 92.6500% | 43 |
| Equity capital to assets | 7.2068% | 5,950 |
| Core capital (leverage) ratio | 7.0922% | 5,938 |
| Tier 1 risk-based capital ratio | 11.8982% | 4,895 |
| Total risk-based capital ratio | 12.9650% | 4,913 |
| Memoranda: | ||
| Average total assets | $24,388,330 | 5,919 |
| Average earning assets | $21,677,670 | 5,912 |
| Average equity | $1,755,000 | 6,007 |
| Average total loans | $15,224,330 | 5,784 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 2,126 |
| Cost of funding earning assets | 0.1510% | 5,603 |
| Net interest margin | 4.1520% | 1,212 |
| Noninterest income to average assets | 0.3998% | 3,835 |
| Noninterest expense to average assets | 3.5817% | 1,045 |
| Loan and lease loss provision to assets | 0.2166% | 893 |
| Net operating income to assets | 0.2532% | 5,432 |
| Return on assets (ROA) | 0.3165% | 5,339 |
| Pretax return on assets | 0.3332% | 5,446 |
| Return on Equity (ROE) | 4.4020% | 4,738 |
| Retained earnings to average equity (ytd only) | 1.8535% | 4,519 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1148% | 807 |
| Assets per employee ($millions) | 2.4502% | 5,873 |
| Cash dividends to net income (ytd only)* | 57.8947% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 3,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1020% | 2,009 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 59.4115% | 3,859 |
| Net loans and leases to deposits | 64.0206% | 4,440 |
| Net loans and leases to core deposits | 64.8765% | 4,632 |
| Total domestic deposits to total assets | 92.8006% | 51 |
| Equity capital to assets | 7.1096% | 5,998 |
| Core capital (leverage) ratio | 6.8881% | 6,007 |
| Tier 1 risk-based capital ratio | 11.6438% | 5,142 |
| Total risk-based capital ratio | 12.8916% | 5,054 |
| Memoranda: | ||
| Average total assets | $24,011,000 | 5,982 |
| Average earning assets | $21,194,500 | 5,982 |
| Average equity | $1,726,500 | 6,070 |
| Average total loans | $15,294,000 | 5,836 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 3,048 |
| Cost of funding earning assets | 0.1391% | 5,759 |
| Net interest margin | 3.9264% | 1,941 |
| Noninterest income to average assets | 0.6004% | 2,711 |
| Noninterest expense to average assets | 3.8745% | 784 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2281% | 5,519 |
| Return on assets (ROA) | 0.2962% | 5,449 |
| Pretax return on assets | 0.2962% | 5,523 |
| Return on Equity (ROE) | 4.2276% | 4,840 |
| Retained earnings to average equity (ytd only) | 0.3999% | 5,352 |
| Net charge-offs to loans | 0.6599% | 364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.5758% | 4,210 |
| Efficiency ratio | 94.4390% | 466 |
| Assets per employee ($millions) | 2.3550% | 5,950 |
| Cash dividends to net income (ytd only)* | 90.5405% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 5,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1465% | 1,903 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 66.6752% | 2,886 |
| Net loans and leases to deposits | 72.3261% | 3,683 |
| Net loans and leases to core deposits | 73.3396% | 4,012 |
| Total domestic deposits to total assets | 92.1868% | 93 |
| Equity capital to assets | 7.3928% | 5,998 |
| Core capital (leverage) ratio | 7.2754% | 6,019 |
| Tier 1 risk-based capital ratio | 11.4449% | 5,291 |
| Total risk-based capital ratio | 12.3872% | 5,350 |
| Memoranda: | ||
| Average total assets | $24,983,600 | 6,027 |
| Average earning assets | $22,284,800 | 6,023 |
| Average equity | $1,750,400 | 6,124 |
| Average total loans | $15,002,600 | 5,895 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 3,209 |
| Cost of funding earning assets | 0.1418% | 5,834 |
| Net interest margin | 3.8889% | 2,073 |
| Noninterest income to average assets | 0.5682% | 2,929 |
| Noninterest expense to average assets | 3.7460% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2681% | 5,540 |
| Return on assets (ROA) | 0.3472% | 5,408 |
| Pretax return on assets | 0.3683% | 5,531 |
| Return on Equity (ROE) | 5.0207% | 4,618 |
| Retained earnings to average equity (ytd only) | 2.5862% | 4,576 |
| Net charge-offs to loans | 0.8924% | 218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.5455% | 3,938 |
| Efficiency ratio | 92.9504% | 527 |
| Assets per employee ($millions) | 2.4342% | 5,986 |
| Cash dividends to net income (ytd only)* | 48.4886% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 4,889 |
| Loan loss allowance to noncurrent loans | 162.5000% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 1.4707% | 1,533 |
| Noncurrent loans to loans | 0.5976% | 3,531 |
| Net loans and leases to total assets | 59.9088% | 3,891 |
| Net loans and leases to deposits | 64.9895% | 4,467 |
| Net loans and leases to core deposits | 65.8702% | 4,701 |
| Total domestic deposits to total assets | 92.1822% | 86 |
| Equity capital to assets | 7.2714% | 6,107 |
| Core capital (leverage) ratio | 7.1661% | 6,109 |
| Tier 1 risk-based capital ratio | 12.2188% | 4,949 |
| Total risk-based capital ratio | 13.2087% | 5,025 |
| Memoranda: | ||
| Average total assets | $25,342,000 | 6,109 |
| Average earning assets | $22,559,500 | 6,101 |
| Average equity | $1,752,750 | 6,211 |
| Average total loans | $14,792,000 | 5,974 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9618% | 3,440 |
| Cost of funding earning assets | 0.1390% | 5,929 |
| Net interest margin | 3.8228% | 2,227 |
| Noninterest income to average assets | 0.5375% | 3,122 |
| Noninterest expense to average assets | 3.6066% | 1,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3396% | 5,328 |
| Return on assets (ROA) | 0.4284% | 5,147 |
| Pretax return on assets | 0.4518% | 5,349 |
| Return on Equity (ROE) | 6.2965% | 3,988 |
| Retained earnings to average equity (ytd only) | 3.8924% | 3,523 |
| Net charge-offs to loans | 1.3366% | 140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.4646% | 3,653 |
| Efficiency ratio | 90.9627% | 690 |
| Assets per employee ($millions) | 2.2480% | 6,151 |
| Cash dividends to net income (ytd only)* | 38.1818% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 4,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0919% | 2,326 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 58.4439% | 4,045 |
| Net loans and leases to deposits | 62.9141% | 4,629 |
| Net loans and leases to core deposits | 63.7466% | 4,825 |
| Total domestic deposits to total assets | 92.8947% | 59 |
| Equity capital to assets | 6.9031% | 6,206 |
| Core capital (leverage) ratio | 7.0076% | 6,190 |
| Tier 1 risk-based capital ratio | 11.9403% | 5,186 |
| Total risk-based capital ratio | 12.9017% | 5,287 |
| Memoranda: | ||
| Average total assets | $25,675,330 | 6,178 |
| Average earning assets | $23,019,670 | 6,161 |
| Average equity | $1,747,000 | 6,286 |
| Average total loans | $14,814,000 | 6,037 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9481% | 3,424 |
| Cost of funding earning assets | 0.1361% | 6,024 |
| Net interest margin | 3.8120% | 2,194 |
| Noninterest income to average assets | 0.5354% | 3,053 |
| Noninterest expense to average assets | 3.4877% | 1,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4594% | 4,832 |
| Return on assets (ROA) | 0.4742% | 4,900 |
| Pretax return on assets | 0.4895% | 5,208 |
| Return on Equity (ROE) | 7.0175% | 3,496 |
| Retained earnings to average equity (ytd only) | 4.5274% | 3,310 |
| Net charge-offs to loans | 1.8494% | 97 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.4493% | 3,055 |
| Efficiency ratio | 88.0309% | 1,012 |
| Assets per employee ($millions) | 2.3647% | 6,172 |
| Cash dividends to net income (ytd only)* | 35.4839% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 4,022 |
| Loan loss allowance to noncurrent loans | 53.8941% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 1.2340% | 2,168 |
| Noncurrent loans to loans | 2.2144% | 1,142 |
| Net loans and leases to total assets | 55.0630% | 4,311 |
| Net loans and leases to deposits | 59.1786% | 4,809 |
| Net loans and leases to core deposits | 59.8063% | 5,003 |
| Total domestic deposits to total assets | 93.0455% | 56 |
| Equity capital to assets | 6.8468% | 6,274 |
| Core capital (leverage) ratio | 6.6114% | 6,281 |
| Tier 1 risk-based capital ratio | 12.2322% | 5,086 |
| Total risk-based capital ratio | 13.4435% | 5,024 |
| Memoranda: | ||
| Average total assets | $26,149,000 | 6,238 |
| Average earning assets | $23,505,000 | 6,222 |
| Average equity | $1,767,000 | 6,348 |
| Average total loans | $14,923,500 | 6,088 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8266% | 4,407 |
| Cost of funding earning assets | 0.1654% | 6,008 |
| Net interest margin | 3.6611% | 3,174 |
| Noninterest income to average assets | 0.6278% | 2,695 |
| Noninterest expense to average assets | 3.4845% | 1,516 |
| Loan and lease loss provision to assets | 0.3924% | 460 |
| Net operating income to assets | 0.0667% | 5,999 |
| Return on assets (ROA) | 0.2394% | 5,739 |
| Pretax return on assets | 0.2237% | 5,832 |
| Return on Equity (ROE) | 3.5752% | 5,270 |
| Retained earnings to average equity (ytd only) | -0.3517% | 5,826 |
| Net charge-offs to loans | 0.1409% | 2,619 |
| Credit loss provision to net charge-offs | 500.0000% | 518 |
| Earnings coverage of net charge-offs (x) | 5.6500% | 3,381 |
| Efficiency ratio | 88.7113% | 934 |
| Assets per employee ($millions) | 2.3896% | 6,226 |
| Cash dividends to net income (ytd only)* | 109.8361% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 2,171 |
| Loan loss allowance to noncurrent loans | 61.8926% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 1.4875% | 1,843 |
| Noncurrent loans to loans | 2.5471% | 993 |
| Net loans and leases to total assets | 57.4793% | 4,115 |
| Net loans and leases to deposits | 63.1040% | 4,622 |
| Net loans and leases to core deposits | 63.7807% | 4,847 |
| Total domestic deposits to total assets | 91.0865% | 340 |
| Equity capital to assets | 6.6689% | 6,365 |
| Core capital (leverage) ratio | 6.3555% | 6,381 |
| Tier 1 risk-based capital ratio | 10.5237% | 6,092 |
| Total risk-based capital ratio | 11.7795% | 6,033 |
| Memoranda: | ||
| Average total assets | $25,484,000 | 6,333 |
| Average earning assets | $22,971,000 | 6,317 |
| Average equity | $1,706,200 | 6,436 |
| Average total loans | $14,199,400 | 6,182 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7737% | 4,646 |
| Cost of funding earning assets | 0.1689% | 6,070 |
| Net interest margin | 3.6048% | 3,407 |
| Noninterest income to average assets | 0.6223% | 2,734 |
| Noninterest expense to average assets | 3.3697% | 1,742 |
| Loan and lease loss provision to assets | 0.3691% | 475 |
| Net operating income to assets | 0.1461% | 5,954 |
| Return on assets (ROA) | 0.3269% | 5,573 |
| Pretax return on assets | 0.3322% | 5,712 |
| Return on Equity (ROE) | 4.8781% | 4,780 |
| Retained earnings to average equity (ytd only) | 2.3606% | 4,875 |
| Net charge-offs to loans | 0.1917% | 1,936 |
| Credit loss provision to net charge-offs | 350.0000% | 802 |
| Earnings coverage of net charge-offs (x) | 4.8991% | 3,356 |
| Efficiency ratio | 86.7028% | 1,118 |
| Assets per employee ($millions) | 2.3726% | 6,314 |
| Cash dividends to net income (ytd only)* | 51.6211% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 2,760 |
| Loan loss allowance to noncurrent loans | 54.2199% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 1.4981% | 2,055 |
| Noncurrent loans to loans | 2.7512% | 1,021 |
| Net loans and leases to total assets | 53.6419% | 4,619 |
| Net loans and leases to deposits | 57.6986% | 5,123 |
| Net loans and leases to core deposits | 58.3066% | 5,315 |
| Total domestic deposits to total assets | 92.9691% | 80 |
| Equity capital to assets | 6.7819% | 6,413 |
| Core capital (leverage) ratio | 6.7176% | 6,417 |
| Tier 1 risk-based capital ratio | 10.7699% | 6,101 |
| Total risk-based capital ratio | 12.0208% | 6,052 |
| Memoranda: | ||
| Average total assets | $25,283,500 | 6,411 |
| Average earning assets | $22,895,000 | 6,393 |
| Average equity | $1,694,500 | 6,514 |
| Average total loans | $13,911,500 | 6,263 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 4,485 |
| Cost of funding earning assets | 0.1773% | 6,093 |
| Net interest margin | 3.6339% | 3,213 |
| Noninterest income to average assets | 0.6397% | 2,605 |
| Noninterest expense to average assets | 3.3105% | 1,897 |
| Loan and lease loss provision to assets | 0.1599% | 1,553 |
| Net operating income to assets | 0.4364% | 5,072 |
| Return on assets (ROA) | 0.6637% | 4,122 |
| Pretax return on assets | 0.6797% | 4,710 |
| Return on Equity (ROE) | 9.9441% | 2,175 |
| Retained earnings to average equity (ytd only) | 7.4281% | 1,552 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4898% | 1,447 |
| Assets per employee ($millions) | 2.3003% | 6,402 |
| Cash dividends to net income (ytd only)* | 25.3012% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 3,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 54.8314% | 4,429 |
| Net loans and leases to deposits | 59.0433% | 4,947 |
| Net loans and leases to core deposits | 59.6860% | 5,148 |
| Total domestic deposits to total assets | 92.8665% | 90 |
| Equity capital to assets | 6.9478% | 6,451 |
| Core capital (leverage) ratio | 6.7816% | 6,462 |
| Tier 1 risk-based capital ratio | 10.6940% | 6,179 |
| Total risk-based capital ratio | 11.8031% | 6,174 |
| Memoranda: | ||
| Average total assets | $25,011,670 | 6,481 |
| Average earning assets | $22,565,000 | 6,465 |
| Average equity | $1,669,330 | 6,579 |
| Average total loans | $13,811,330 | 6,325 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8553% | 4,270 |
| Cost of funding earning assets | 0.1945% | 6,047 |
| Net interest margin | 3.6607% | 3,018 |
| Noninterest income to average assets | 0.5791% | 2,863 |
| Noninterest expense to average assets | 3.0725% | 2,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8217% | 3,045 |
| Return on assets (ROA) | 0.8847% | 2,787 |
| Pretax return on assets | 0.9008% | 3,692 |
| Return on Equity (ROE) | 13.5385% | 1,030 |
| Retained earnings to average equity (ytd only) | 10.8308% | 776 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6008% | 2,391 |
| Assets per employee ($millions) | 2.3965% | 6,424 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 4,604 |
| 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 | 50.2997% | 4,881 |
| Net loans and leases to deposits | 53.7975% | 5,307 |
| Net loans and leases to core deposits | 53.7975% | 5,516 |
| Total domestic deposits to total assets | 93.4982% | 78 |
| Equity capital to assets | 6.3994% | 6,534 |
| Core capital (leverage) ratio | 6.8579% | 6,502 |
| Tier 1 risk-based capital ratio | 10.9004% | 6,194 |
| Total risk-based capital ratio | 11.9176% | 6,246 |
| Memoranda: | ||
| Average total assets | $24,866,000 | 6,552 |
| Average earning assets | $22,618,500 | 6,533 |
| Average equity | $1,625,000 | 6,650 |
| Average total loans | $13,689,000 | 6,393 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7726% | 4,902 |
| Cost of funding earning assets | 0.1957% | 6,315 |
| Net interest margin | 3.5769% | 3,565 |
| Noninterest income to average assets | 0.7552% | 2,267 |
| Noninterest expense to average assets | 3.5945% | 1,459 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3726% | 5,249 |
| Return on assets (ROA) | 0.5282% | 4,728 |
| Pretax return on assets | 0.5736% | 4,955 |
| Return on Equity (ROE) | 7.7295% | 3,182 |
| Retained earnings to average equity (ytd only) | 2.7778% | 4,265 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8865% | 1,027 |
| Assets per employee ($millions) | 2.3370% | 6,500 |
| Cash dividends to net income (ytd only)* | 64.0625% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 4,859 |
| 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 | 59.0244% | 3,870 |
| Net loans and leases to deposits | 63.8375% | 4,520 |
| Net loans and leases to core deposits | 67.1535% | 4,597 |
| Total domestic deposits to total assets | 92.4604% | 200 |
| Equity capital to assets | 6.6881% | 6,534 |
| Core capital (leverage) ratio | 7.1546% | 6,489 |
| Tier 1 risk-based capital ratio | 10.9084% | 6,214 |
| Total risk-based capital ratio | 11.9528% | 6,254 |
| Memoranda: | ||
| Average total assets | $24,231,600 | 6,632 |
| Average earning assets | $21,974,200 | 6,621 |
| Average equity | $1,656,000 | 6,738 |
| Average total loans | $12,690,400 | 6,494 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7066% | 5,151 |
| Cost of funding earning assets | 0.1923% | 6,433 |
| Net interest margin | 3.5143% | 3,816 |
| Noninterest income to average assets | 0.7745% | 2,262 |
| Noninterest expense to average assets | 3.2777% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6697% | 4,016 |
| Return on assets (ROA) | 0.8835% | 3,029 |
| Pretax return on assets | 0.9053% | 3,862 |
| Return on Equity (ROE) | 12.8623% | 1,267 |
| Retained earnings to average equity (ytd only) | 11.1955% | 539 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6685% | 1,738 |
| Assets per employee ($millions) | 2.3367% | 6,575 |
| Cash dividends to net income (ytd only)* | 12.9636% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 4,788 |
| 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 | 56.1861% | 4,295 |
| Net loans and leases to deposits | 60.7290% | 4,899 |
| Net loans and leases to core deposits | 63.8756% | 4,917 |
| Total domestic deposits to total assets | 92.5194% | 179 |
| Equity capital to assets | 7.2538% | 6,478 |
| Core capital (leverage) ratio | 7.4504% | 6,469 |
| Tier 1 risk-based capital ratio | 11.2990% | 6,146 |
| Total risk-based capital ratio | 12.3291% | 6,210 |
| Memoranda: | ||
| Average total assets | $24,447,000 | 6,709 |
| Average earning assets | $22,194,250 | 6,692 |
| Average equity | $1,679,250 | 6,812 |
| Average total loans | $12,374,000 | 6,574 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5829% | 5,487 |
| Cost of funding earning assets | 0.1946% | 6,501 |
| Net interest margin | 3.3882% | 4,231 |
| Noninterest income to average assets | 0.8223% | 2,102 |
| Noninterest expense to average assets | 3.1040% | 2,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7856% | 3,374 |
| Return on assets (ROA) | 0.9594% | 2,666 |
| Pretax return on assets | 0.9836% | 3,583 |
| Return on Equity (ROE) | 14.2174% | 961 |
| Retained earnings to average equity (ytd only) | 13.0227% | 382 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3814% | 2,242 |
| Assets per employee ($millions) | 2.5593% | 6,441 |
| Cash dividends to net income (ytd only)* | 8.4034% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 5,097 |
| 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 | 53.0145% | 4,733 |
| Net loans and leases to deposits | 56.7818% | 5,268 |
| Net loans and leases to core deposits | 59.4306% | 5,312 |
| Total domestic deposits to total assets | 93.3654% | 95 |
| Equity capital to assets | 6.5291% | 6,683 |
| Core capital (leverage) ratio | 7.2075% | 6,561 |
| Tier 1 risk-based capital ratio | 10.9686% | 6,348 |
| Total risk-based capital ratio | 11.9874% | 6,403 |
| Memoranda: | ||
| Average total assets | $24,807,000 | 6,753 |
| Average earning assets | $22,607,670 | 6,730 |
| Average equity | $1,674,000 | 6,862 |
| Average total loans | $12,068,330 | 6,626 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 4,441 |
| Cost of funding earning assets | 0.2171% | 6,490 |
| Net interest margin | 3.6908% | 2,891 |
| Noninterest income to average assets | 0.9503% | 1,613 |
| Noninterest expense to average assets | 2.8836% | 3,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3926% | 1,046 |
| Return on assets (ROA) | 1.3926% | 1,131 |
| Pretax return on assets | 1.4090% | 1,824 |
| Return on Equity (ROE) | 20.2925% | 273 |
| Retained earnings to average equity (ytd only) | 20.2925% | 130 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1756% | 4,463 |
| Assets per employee ($millions) | 2.4262% | 6,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 3,953 |
| 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 | 44.9303% | 5,561 |
| Net loans and leases to deposits | 48.4575% | 5,892 |
| Net loans and leases to core deposits | 48.4575% | 6,070 |
| Total domestic deposits to total assets | 92.7211% | 149 |
| Equity capital to assets | 7.2047% | 6,673 |
| Core capital (leverage) ratio | 6.9388% | 6,659 |
| Tier 1 risk-based capital ratio | 10.7745% | 6,498 |
| Total risk-based capital ratio | 11.7823% | 6,541 |
| Memoranda: | ||
| Average total assets | $24,414,000 | 6,828 |
| Average earning assets | $22,109,000 | 6,812 |
| Average equity | $1,675,500 | 6,932 |
| Average total loans | $11,237,500 | 6,730 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3607% | 6,531 |
| Cost of funding earning assets | 0.2329% | 6,742 |
| Net interest margin | 3.1278% | 5,744 |
| Noninterest income to average assets | 0.7145% | 2,643 |
| Noninterest expense to average assets | 3.3929% | 2,064 |
| Loan and lease loss provision to assets | -0.0572% | 6,875 |
| Net operating income to assets | 0.1464% | 5,899 |
| Return on assets (ROA) | 0.4900% | 4,975 |
| Pretax return on assets | 0.5798% | 5,053 |
| Return on Equity (ROE) | 6.9589% | 3,667 |
| Retained earnings to average equity (ytd only) | 4.8713% | 2,792 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6279% | 683 |
| Assets per employee ($millions) | 2.4566% | 6,648 |
| Cash dividends to net income (ytd only)* | 30.0000% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 4,074 |
| Loan loss allowance to noncurrent loans | 180.0000% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 5,595 |
| Noncurrent loans to loans | 0.7886% | 4,603 |
| Net loans and leases to total assets | 45.7950% | 5,636 |
| Net loans and leases to deposits | 49.0153% | 6,031 |
| Net loans and leases to core deposits | 49.0153% | 6,207 |
| Total domestic deposits to total assets | 93.4299% | 96 |
| Equity capital to assets | 6.5253% | 6,843 |
| Core capital (leverage) ratio | 5.9011% | 6,866 |
| Tier 1 risk-based capital ratio | 10.5823% | 6,523 |
| Total risk-based capital ratio | 11.7383% | 6,531 |
| Memoranda: | ||
| Average total assets | $24,492,200 | 6,881 |
| Average earning assets | $21,900,200 | 6,866 |
| Average equity | $1,724,400 | 6,995 |
| Average total loans | $10,580,600 | 6,826 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3752% | 6,655 |
| Cost of funding earning assets | 0.2446% | 6,831 |
| Net interest margin | 3.1306% | 5,872 |
| Noninterest income to average assets | 0.6755% | 2,843 |
| Noninterest expense to average assets | 3.2851% | 2,311 |
| Loan and lease loss provision to assets | -0.0545% | 7,003 |
| Net operating income to assets | 0.2259% | 5,849 |
| Return on assets (ROA) | 0.6592% | 4,362 |
| Pretax return on assets | 0.6810% | 4,919 |
| Return on Equity (ROE) | 9.1939% | 2,712 |
| Retained earnings to average equity (ytd only) | 8.2821% | 1,502 |
| Net charge-offs to loans | -0.0128% | 6,411 |
| Credit loss provision to net charge-offs | 1,000.0000% | 277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8113% | 722 |
| Assets per employee ($millions) | 2.4574% | 6,734 |
| Cash dividends to net income (ytd only)* | 9.9176% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 3,174 |
| Loan loss allowance to noncurrent loans | 150.4505% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 5,533 |
| Noncurrent loans to loans | 1.1254% | 4,175 |
| Net loans and leases to total assets | 39.4563% | 6,324 |
| Net loans and leases to deposits | 42.8837% | 6,559 |
| Net loans and leases to core deposits | 42.8837% | 6,634 |
| Total domestic deposits to total assets | 92.0078% | 207 |
| Equity capital to assets | 7.8498% | 6,663 |
| Core capital (leverage) ratio | 7.3604% | 6,691 |
| Tier 1 risk-based capital ratio | 13.9914% | 4,528 |
| Total risk-based capital ratio | 15.2400% | 4,482 |
| Memoranda: | ||
| Average total assets | $24,473,750 | 6,970 |
| Average earning assets | $21,805,500 | 6,957 |
| Average equity | $1,754,750 | 7,084 |
| Average total loans | $10,372,750 | 6,925 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4532% | 6,664 |
| Cost of funding earning assets | 0.2565% | 6,888 |
| Net interest margin | 3.1967% | 5,750 |
| Noninterest income to average assets | 0.6874% | 2,733 |
| Noninterest expense to average assets | 3.2078% | 2,562 |
| Loan and lease loss provision to assets | -0.0409% | 7,064 |
| Net operating income to assets | 0.3632% | 5,365 |
| Return on assets (ROA) | 0.7283% | 3,987 |
| Pretax return on assets | 0.7529% | 4,638 |
| Return on Equity (ROE) | 10.4911% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.5481% | 1,105 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5312% | 1,036 |
| Assets per employee ($millions) | 2.4405% | 6,807 |
| Cash dividends to net income (ytd only)* | 8.9888% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 3,421 |
| Loan loss allowance to noncurrent loans | 154.0541% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 5,647 |
| Noncurrent loans to loans | 1.0728% | 4,378 |
| Net loans and leases to total assets | 41.6964% | 6,205 |
| Net loans and leases to deposits | 44.9391% | 6,505 |
| Net loans and leases to core deposits | 44.9391% | 6,621 |
| Total domestic deposits to total assets | 92.7843% | 142 |
| Equity capital to assets | 7.1215% | 6,884 |
| Core capital (leverage) ratio | 6.5616% | 6,914 |
| Tier 1 risk-based capital ratio | 12.2277% | 5,769 |
| Total risk-based capital ratio | 13.4801% | 5,754 |
| Memoranda: | ||
| Average total assets | $24,440,330 | 7,027 |
| Average earning assets | $21,835,000 | 7,014 |
| Average equity | $1,696,670 | 7,146 |
| Average total loans | $10,542,670 | 6,978 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3743% | 6,839 |
| Cost of funding earning assets | 0.2736% | 6,923 |
| Net interest margin | 3.1007% | 6,038 |
| Noninterest income to average assets | 0.6869% | 2,725 |
| Noninterest expense to average assets | 2.9438% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5132% | 4,766 |
| Return on assets (ROA) | 1.1285% | 2,144 |
| Pretax return on assets | 1.1448% | 3,140 |
| Return on Equity (ROE) | 16.4678% | 745 |
| Retained earnings to average equity (ytd only) | 15.5131% | 403 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9057% | 1,588 |
| Assets per employee ($millions) | 2.8243% | 6,472 |
| Cash dividends to net income (ytd only)* | 5.7971% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 3,596 |
| Loan loss allowance to noncurrent loans | 154.3860% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 5,740 |
| Noncurrent loans to loans | 1.0592% | 4,583 |
| Net loans and leases to total assets | 41.6499% | 6,226 |
| Net loans and leases to deposits | 44.6596% | 6,522 |
| Net loans and leases to core deposits | 44.6596% | 6,631 |
| Total domestic deposits to total assets | 93.2609% | 123 |
| Equity capital to assets | 6.6525% | 6,986 |
| Core capital (leverage) ratio | 6.5170% | 6,966 |
| Tier 1 risk-based capital ratio | 12.6468% | 5,485 |
| Total risk-based capital ratio | 13.9003% | 5,445 |
| Memoranda: | ||
| Average total assets | $24,458,000 | 7,089 |
| Average earning assets | $21,930,500 | 7,079 |
| Average equity | $1,676,000 | 7,205 |
| Average total loans | $10,640,500 | 7,037 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8782% | 6,641 |
| Cost of funding earning assets | 0.5052% | 6,505 |
| Net interest margin | 3.3730% | 5,566 |
| Noninterest income to average assets | 0.7681% | 2,245 |
| Noninterest expense to average assets | 3.8783% | 1,214 |
| Loan and lease loss provision to assets | -0.1367% | 7,292 |
| Net operating income to assets | 0.1696% | 5,674 |
| Return on assets (ROA) | 0.2922% | 5,439 |
| Pretax return on assets | 0.1696% | 5,855 |
| Return on Equity (ROE) | 4.0417% | 4,826 |
| Retained earnings to average equity (ytd only) | 2.9987% | 4,092 |
| Net charge-offs to loans | -0.0667% | 7,088 |
| Credit loss provision to net charge-offs | 414.2857% | 555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3632% | 608 |
| Assets per employee ($millions) | 2.3497% | 6,965 |
| Cash dividends to net income (ytd only)* | 25.8065% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 3,302 |
| Loan loss allowance to noncurrent loans | 149.1525% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 5,716 |
| Noncurrent loans to loans | 1.1219% | 4,479 |
| Net loans and leases to total assets | 44.0141% | 6,212 |
| Net loans and leases to deposits | 47.4796% | 6,532 |
| Net loans and leases to core deposits | 47.4796% | 6,672 |
| Total domestic deposits to total assets | 92.7012% | 158 |
| Equity capital to assets | 7.0690% | 6,945 |
| Core capital (leverage) ratio | 6.7503% | 6,933 |
| Tier 1 risk-based capital ratio | 10.8459% | 6,533 |
| Total risk-based capital ratio | 12.0814% | 6,524 |
| Memoranda: | ||
| Average total assets | $21,220,800 | 7,177 |
| Average earning assets | $19,003,600 | 7,163 |
| Average equity | $1,534,000 | 7,288 |
| Average total loans | $10,494,400 | 7,100 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 6,704 |
| Cost of funding earning assets | 0.5596% | 6,476 |
| Net interest margin | 3.3647% | 5,673 |
| Noninterest income to average assets | 0.7748% | 2,170 |
| Noninterest expense to average assets | 3.7252% | 1,444 |
| Loan and lease loss provision to assets | -0.1420% | 7,371 |
| Net operating income to assets | 0.2260% | 5,630 |
| Return on assets (ROA) | 0.2066% | 5,818 |
| Pretax return on assets | 0.2002% | 5,895 |
| Return on Equity (ROE) | 2.8404% | 5,488 |
| Retained earnings to average equity (ytd only) | 1.7753% | 5,254 |
| Net charge-offs to loans | -0.0890% | 7,145 |
| Credit loss provision to net charge-offs | 314.2857% | 900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9626% | 740 |
| Assets per employee ($millions) | 1.8082% | 7,277 |
| Cash dividends to net income (ytd only)* | 37.4971% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8289% | 2,836 |
| Loan loss allowance to noncurrent loans | 131.6547% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 5,399 |
| Noncurrent loans to loans | 1.3892% | 4,212 |
| Net loans and leases to total assets | 49.3866% | 5,784 |
| Net loans and leases to deposits | 54.0319% | 6,211 |
| Net loans and leases to core deposits | 54.0319% | 6,457 |
| Total domestic deposits to total assets | 91.4027% | 318 |
| Equity capital to assets | 8.2856% | 6,495 |
| Core capital (leverage) ratio | 7.9041% | 6,480 |
| Tier 1 risk-based capital ratio | 13.5432% | 4,704 |
| Total risk-based capital ratio | 14.7990% | 4,667 |
| Memoranda: | ||
| Average total assets | $20,651,750 | 7,268 |
| Average earning assets | $18,584,750 | 7,243 |
| Average equity | $1,502,250 | 7,365 |
| Average total loans | $10,488,500 | 7,170 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 6,739 |
| Cost of funding earning assets | 0.5947% | 6,487 |
| Net interest margin | 3.3558% | 5,695 |
| Noninterest income to average assets | 0.7653% | 2,179 |
| Noninterest expense to average assets | 3.5110% | 1,954 |
| Loan and lease loss provision to assets | -0.1148% | 7,428 |
| Net operating income to assets | 0.3702% | 5,083 |
| Return on assets (ROA) | 0.3253% | 5,405 |
| Pretax return on assets | 0.3444% | 5,563 |
| Return on Equity (ROE) | 4.6778% | 4,603 |
| Retained earnings to average equity (ytd only) | 3.5772% | 3,958 |
| Net charge-offs to loans | -0.1315% | 7,221 |
| Credit loss provision to net charge-offs | 171.4286% | 1,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6768% | 1,054 |
| Assets per employee ($millions) | 1.8215% | 7,350 |
| Cash dividends to net income (ytd only)* | 23.5294% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8427% | 2,851 |
| Loan loss allowance to noncurrent loans | 138.8489% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 5,518 |
| Noncurrent loans to loans | 1.3271% | 4,434 |
| Net loans and leases to total assets | 51.3126% | 5,651 |
| Net loans and leases to deposits | 55.8538% | 6,148 |
| Net loans and leases to core deposits | 55.8538% | 6,424 |
| Total domestic deposits to total assets | 91.8696% | 267 |
| Equity capital to assets | 7.8459% | 6,774 |
| Core capital (leverage) ratio | 7.8315% | 6,481 |
| Tier 1 risk-based capital ratio | 12.8891% | 5,008 |
| Total risk-based capital ratio | 14.1479% | 4,975 |
| Memoranda: | ||
| Average total assets | $20,905,670 | 7,326 |
| Average earning assets | $18,833,330 | 7,309 |
| Average equity | $1,453,670 | 7,439 |
| Average total loans | $10,649,330 | 7,236 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 6,855 |
| Cost of funding earning assets | 0.6421% | 6,417 |
| Net interest margin | 3.2312% | 5,979 |
| Noninterest income to average assets | 0.6560% | 2,804 |
| Noninterest expense to average assets | 3.0927% | 3,278 |
| Loan and lease loss provision to assets | 0.0562% | 5,299 |
| Net operating income to assets | 0.4086% | 4,909 |
| Return on assets (ROA) | 0.3374% | 5,317 |
| Pretax return on assets | 0.3561% | 5,480 |
| Return on Equity (ROE) | 5.1631% | 4,311 |
| Retained earnings to average equity (ytd only) | 4.0158% | 3,765 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3874% | 1,672 |
| Assets per employee ($millions) | 1.7728% | 7,424 |
| Cash dividends to net income (ytd only)* | 22.2222% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9233% | 2,614 |
| Loan loss allowance to noncurrent loans | 134.8993% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7641% | 5,388 |
| Noncurrent loans to loans | 1.4257% | 4,330 |
| Net loans and leases to total assets | 52.5614% | 5,510 |
| Net loans and leases to deposits | 56.8781% | 6,041 |
| Net loans and leases to core deposits | 56.8781% | 6,348 |
| Total domestic deposits to total assets | 92.4106% | 188 |
| Equity capital to assets | 7.2868% | 6,982 |
| Core capital (leverage) ratio | 7.3188% | 6,845 |
| Tier 1 risk-based capital ratio | 13.2299% | 4,634 |
| Total risk-based capital ratio | 14.4862% | 4,610 |
| Memoranda: | ||
| Average total assets | $21,340,500 | 7,375 |
| Average earning assets | $19,312,000 | 7,357 |
| Average equity | $1,394,500 | 7,501 |
| Average total loans | $10,737,000 | 7,289 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2038% | 6,915 |
| Cost of funding earning assets | 0.8881% | 6,212 |
| Net interest margin | 3.3157% | 5,934 |
| Noninterest income to average assets | 0.6785% | 2,971 |
| Noninterest expense to average assets | 3.9705% | 1,205 |
| Loan and lease loss provision to assets | 0.8361% | 1,967 |
| Net operating income to assets | -0.7488% | 6,549 |
| Return on assets (ROA) | -0.6020% | 6,480 |
| Pretax return on assets | -0.9556% | 6,610 |
| Return on Equity (ROE) | -8.1925% | 6,639 |
| Retained earnings to average equity (ytd only) | -8.1925% | 6,552 |
| Net charge-offs to loans | 0.6602% | 3,032 |
| Credit loss provision to net charge-offs | 243.0556% | 1,184 |
| Earnings coverage of net charge-offs (x) | -1.0139% | 6,609 |
| Efficiency ratio | 109.6306% | 541 |
| Assets per employee ($millions) | 2.1073% | 7,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7962% | 2,875 |
| Loan loss allowance to noncurrent loans | 122.9814% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6946% | 5,614 |
| Noncurrent loans to loans | 1.4606% | 4,294 |
| Net loans and leases to total assets | 46.6997% | 6,496 |
| Net loans and leases to deposits | 49.7312% | 6,867 |
| Net loans and leases to core deposits | 49.7312% | 6,991 |
| Total domestic deposits to total assets | 93.9042% | 92 |
| Equity capital to assets | 5.9016% | 7,353 |
| Core capital (leverage) ratio | 6.9739% | 7,037 |
| Tier 1 risk-based capital ratio | 11.1414% | 6,220 |
| Total risk-based capital ratio | 12.3958% | 6,192 |
| Memoranda: | ||
| Average total assets | $20,929,600 | 7,443 |
| Average earning assets | $18,578,400 | 7,436 |
| Average equity | $1,538,000 | 7,582 |
| Average total loans | $10,906,200 | 7,353 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4258% | 6,772 |
| Cost of funding earning assets | 0.9357% | 6,245 |
| Net interest margin | 3.4902% | 5,337 |
| Noninterest income to average assets | 0.6808% | 2,939 |
| Noninterest expense to average assets | 3.7838% | 1,399 |
| Loan and lease loss provision to assets | 1.1456% | 1,268 |
| Net operating income to assets | -1.1914% | 6,987 |
| Return on assets (ROA) | -0.9100% | 6,889 |
| Pretax return on assets | -0.8903% | 6,797 |
| Return on Equity (ROE) | -11.7260% | 6,998 |
| Retained earnings to average equity (ytd only) | -11.7260% | 6,962 |
| Net charge-offs to loans | 0.8826% | 2,239 |
| Credit loss provision to net charge-offs | 243.0556% | 1,387 |
| Earnings coverage of net charge-offs (x) | -0.0555% | 6,073 |
| Efficiency ratio | 100.6969% | 721 |
| Assets per employee ($millions) | 1.7973% | 7,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9057% | 2,470 |
| Loan loss allowance to noncurrent loans | 122.9814% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.8144% | 5,465 |
| Noncurrent loans to loans | 1.5496% | 4,311 |
| Net loans and leases to total assets | 51.5529% | 6,152 |
| Net loans and leases to deposits | 56.7705% | 6,561 |
| Net loans and leases to core deposits | 56.7705% | 6,809 |
| Total domestic deposits to total assets | 90.8093% | 515 |
| Equity capital to assets | 7.7441% | 6,972 |
| Core capital (leverage) ratio | 7.1373% | 7,095 |
| Tier 1 risk-based capital ratio | 13.0615% | 4,529 |
| Total risk-based capital ratio | 14.3147% | 4,503 |
| Memoranda: | ||
| Average total assets | $20,367,000 | 7,555 |
| Average earning assets | $17,954,750 | 7,546 |
| Average equity | $1,580,500 | 7,672 |
| Average total loans | $10,877,000 | 7,451 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 6,859 |
| Cost of funding earning assets | 0.9344% | 6,446 |
| Net interest margin | 3.4849% | 5,302 |
| Noninterest income to average assets | 0.6807% | 2,815 |
| Noninterest expense to average assets | 3.5982% | 1,786 |
| Loan and lease loss provision to assets | 1.5462% | 848 |
| Net operating income to assets | -1.4198% | 7,127 |
| Return on assets (ROA) | -1.1572% | 7,030 |
| Pretax return on assets | -1.1184% | 6,940 |
| Return on Equity (ROE) | -14.9029% | 7,143 |
| Retained earnings to average equity (ytd only) | -14.9029% | 7,102 |
| Net charge-offs to loans | 0.6341% | 2,643 |
| Credit loss provision to net charge-offs | 454.2857% | 802 |
| Earnings coverage of net charge-offs (x) | 0.4857% | 5,236 |
| Efficiency ratio | 95.6072% | 986 |
| Assets per employee ($millions) | 1.9702% | 7,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0103% | 2,147 |
| Loan loss allowance to noncurrent loans | 111.1675% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 1.0567% | 5,027 |
| Noncurrent loans to loans | 1.8083% | 3,992 |
| Net loans and leases to total assets | 49.2571% | 6,520 |
| Net loans and leases to deposits | 53.2180% | 6,912 |
| Net loans and leases to core deposits | 53.2180% | 7,074 |
| Total domestic deposits to total assets | 92.5572% | 145 |
| Equity capital to assets | 7.1844% | 7,282 |
| Core capital (leverage) ratio | 7.5971% | 6,738 |
| Tier 1 risk-based capital ratio | 12.4290% | 4,923 |
| Total risk-based capital ratio | 13.6884% | 4,893 |
| Memoranda: | ||
| Average total assets | $20,566,000 | 7,614 |
| Average earning assets | $18,192,670 | 7,607 |
| Average equity | $1,597,000 | 7,733 |
| Average total loans | $11,039,330 | 7,502 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5880% | 6,589 |
| Cost of funding earning assets | 0.9539% | 6,559 |
| Net interest margin | 3.6341% | 4,562 |
| Noninterest income to average assets | 0.6596% | 2,881 |
| Noninterest expense to average assets | 3.4777% | 2,042 |
| Loan and lease loss provision to assets | 0.3798% | 3,088 |
| Net operating income to assets | -0.0010% | 6,290 |
| Return on assets (ROA) | 0.2598% | 5,580 |
| Pretax return on assets | 0.2998% | 5,605 |
| Return on Equity (ROE) | 3.2158% | 5,246 |
| Retained earnings to average equity (ytd only) | 3.2158% | 4,220 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1554% | 1,427 |
| Assets per employee ($millions) | 1.7362% | 7,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 6,318 |
| Loan loss allowance to noncurrent loans | 160.5634% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 6,155 |
| Noncurrent loans to loans | 0.6420% | 6,038 |
| Net loans and leases to total assets | 57.3149% | 5,551 |
| Net loans and leases to deposits | 62.8900% | 6,184 |
| Net loans and leases to core deposits | 62.8900% | 6,534 |
| Total domestic deposits to total assets | 91.1352% | 489 |
| Equity capital to assets | 8.6396% | 5,818 |
| Core capital (leverage) ratio | 8.6786% | 5,050 |
| Tier 1 risk-based capital ratio | 14.0180% | 3,642 |
| Total risk-based capital ratio | 14.9936% | 3,789 |
| Memoranda: | ||
| Average total assets | $20,013,000 | 7,722 |
| Average earning assets | $17,611,000 | 7,717 |
| Average equity | $1,617,000 | 7,817 |
| Average total loans | $11,112,000 | 7,586 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8448% | 6,854 |
| Cost of funding earning assets | 1.0785% | 7,037 |
| Net interest margin | 3.7663% | 3,845 |
| Noninterest income to average assets | 0.2813% | 6,096 |
| Noninterest expense to average assets | 3.7874% | 1,725 |
| Loan and lease loss provision to assets | 1.0002% | 2,272 |
| Net operating income to assets | -0.6814% | 6,345 |
| Return on assets (ROA) | -0.5783% | 6,246 |
| Pretax return on assets | -0.8752% | 6,326 |
| Return on Equity (ROE) | -8.6814% | 6,521 |
| Retained earnings to average equity (ytd only) | -8.6814% | 6,411 |
| Net charge-offs to loans | 2.1406% | 1,133 |
| Credit loss provision to net charge-offs | 87.2727% | 6,093 |
| Earnings coverage of net charge-offs (x) | -0.0273% | 6,242 |
| Efficiency ratio | 100.8322% | 1,064 |
| Assets per employee ($millions) | 1.9025% | 7,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 6,978 |
| Loan loss allowance to noncurrent loans | 133.8028% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 6,218 |
| Noncurrent loans to loans | 0.6360% | 5,961 |
| Net loans and leases to total assets | 52.8909% | 6,316 |
| Net loans and leases to deposits | 57.9984% | 6,789 |
| Net loans and leases to core deposits | 61.8035% | 7,198 |
| Total domestic deposits to total assets | 91.1936% | 467 |
| Equity capital to assets | 7.5688% | 6,970 |
| Core capital (leverage) ratio | 8.0914% | 6,006 |
| Tier 1 risk-based capital ratio | 13.1075% | 4,077 |
| Total risk-based capital ratio | 13.8981% | 4,337 |
| Memoranda: | ||
| Average total assets | $19,195,400 | 7,796 |
| Average earning assets | $17,709,600 | 7,771 |
| Average equity | $1,278,600 | 7,951 |
| Average total loans | $10,277,400 | 7,697 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9508% | 6,760 |
| Cost of funding earning assets | 1.1120% | 7,153 |
| Net interest margin | 3.8387% | 3,486 |
| Noninterest income to average assets | 0.1492% | 7,114 |
| Noninterest expense to average assets | 3.6171% | 1,995 |
| Loan and lease loss provision to assets | 1.2863% | 1,495 |
| Net operating income to assets | -1.2152% | 6,966 |
| Return on assets (ROA) | -1.0233% | 6,863 |
| Pretax return on assets | -0.9807% | 6,670 |
| Return on Equity (ROE) | -15.9701% | 7,235 |
| Retained earnings to average equity (ytd only) | -15.9701% | 7,186 |
| Net charge-offs to loans | 1.9889% | 991 |
| Credit loss provision to net charge-offs | 120.6667% | 4,205 |
| Earnings coverage of net charge-offs (x) | 0.1067% | 5,929 |
| Efficiency ratio | 96.9524% | 1,212 |
| Assets per employee ($millions) | 2.4500% | 7,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 3,754 |
| Loan loss allowance to noncurrent loans | 107.6923% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8929% | 5,291 |
| Noncurrent loans to loans | 1.3346% | 4,703 |
| Net loans and leases to total assets | 53.8827% | 6,395 |
| Net loans and leases to deposits | 57.6285% | 6,991 |
| Net loans and leases to core deposits | 63.8474% | 7,253 |
| Total domestic deposits to total assets | 93.5000% | 64 |
| Equity capital to assets | 6.1276% | 7,834 |
| Core capital (leverage) ratio | 5.8147% | 7,832 |
| Tier 1 risk-based capital ratio | 10.4737% | 6,498 |
| Total risk-based capital ratio | 11.7255% | 6,447 |
| Memoranda: | ||
| Average total assets | $18,762,250 | 7,887 |
| Average earning assets | $17,505,250 | 7,857 |
| Average equity | $1,202,250 | 8,046 |
| Average total loans | $10,055,750 | 7,783 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 6,526 |
| Cost of funding earning assets | 1.1320% | 7,295 |
| Net interest margin | 3.9445% | 2,911 |
| Noninterest income to average assets | 0.1407% | 7,249 |
| Noninterest expense to average assets | 3.6033% | 2,067 |
| Loan and lease loss provision to assets | 1.9586% | 830 |
| Net operating income to assets | -1.8287% | 7,377 |
| Return on assets (ROA) | -1.4933% | 7,242 |
| Pretax return on assets | -1.4283% | 7,054 |
| Return on Equity (ROE) | -22.9489% | 7,588 |
| Retained earnings to average equity (ytd only) | -22.9489% | 7,546 |
| Net charge-offs to loans | 2.9077% | 563 |
| Credit loss provision to net charge-offs | 126.5734% | 3,670 |
| Earnings coverage of net charge-offs (x) | 0.1259% | 5,540 |
| Efficiency ratio | 94.8718% | 1,454 |
| Assets per employee ($millions) | 2.4114% | 7,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 2,563 |
| Loan loss allowance to noncurrent loans | 113.3803% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.9953% | 4,975 |
| Noncurrent loans to loans | 1.4474% | 4,328 |
| Net loans and leases to total assets | 50.0233% | 6,871 |
| Net loans and leases to deposits | 53.4093% | 7,314 |
| Net loans and leases to core deposits | 59.2388% | 7,478 |
| Total domestic deposits to total assets | 93.6603% | 68 |
| Equity capital to assets | 5.9510% | 7,938 |
| Core capital (leverage) ratio | 6.4748% | 7,806 |
| Tier 1 risk-based capital ratio | 10.8939% | 5,990 |
| Total risk-based capital ratio | 12.1508% | 5,923 |
| Memoranda: | ||
| Average total assets | $18,483,000 | 7,978 |
| Average earning assets | $17,138,000 | 7,942 |
| Average equity | $1,202,670 | 8,134 |
| Average total loans | $9,836,000 | 7,872 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2652% | 6,048 |
| Cost of funding earning assets | 1.1621% | 7,385 |
| Net interest margin | 4.1031% | 2,254 |
| Noninterest income to average assets | 0.4868% | 4,444 |
| Noninterest expense to average assets | 3.3409% | 2,534 |
| Loan and lease loss provision to assets | 0.4425% | 2,712 |
| Net operating income to assets | 0.4460% | 4,668 |
| Return on assets (ROA) | 0.4646% | 4,776 |
| Pretax return on assets | 0.5531% | 4,902 |
| Return on Equity (ROE) | 6.8293% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.8293% | 2,274 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4359% | 3,265 |
| Assets per employee ($millions) | 2.1159% | 7,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 3,663 |
| Loan loss allowance to noncurrent loans | 99.3056% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.8507% | 5,068 |
| Noncurrent loans to loans | 1.3814% | 4,241 |
| Net loans and leases to total assets | 60.7373% | 5,544 |
| Net loans and leases to deposits | 67.3722% | 6,236 |
| Net loans and leases to core deposits | 72.0109% | 6,914 |
| Total domestic deposits to total assets | 90.1518% | 730 |
| Equity capital to assets | 8.1408% | 6,611 |
| Core capital (leverage) ratio | 7.4958% | 7,162 |
| Tier 1 risk-based capital ratio | 12.4252% | 4,587 |
| Total risk-based capital ratio | 13.6780% | 4,518 |
| Memoranda: | ||
| Average total assets | $18,079,000 | 8,035 |
| Average earning assets | $16,865,500 | 8,006 |
| Average equity | $1,230,000 | 8,182 |
| Average total loans | $9,848,500 | 7,915 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0397% | 5,360 |
| Cost of funding earning assets | 1.8820% | 6,783 |
| Net interest margin | 4.1576% | 2,473 |
| Noninterest income to average assets | 0.6782% | 3,265 |
| Noninterest expense to average assets | 3.7812% | 1,790 |
| Loan and lease loss provision to assets | 0.3674% | 3,481 |
| Net operating income to assets | 0.2116% | 5,813 |
| Return on assets (ROA) | 0.3165% | 5,306 |
| Pretax return on assets | 0.5143% | 4,935 |
| Return on Equity (ROE) | 5.3272% | 4,222 |
| Retained earnings to average equity (ytd only) | 2.5685% | 3,593 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0452% | 2,051 |
| Assets per employee ($millions) | 2.4039% | 7,394 |
| Cash dividends to net income (ytd only)* | 51.7857% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 3,612 |
| Loan loss allowance to noncurrent loans | 86.0140% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7436% | 4,991 |
| Noncurrent loans to loans | 1.5421% | 3,482 |
| Net loans and leases to total assets | 47.5794% | 7,217 |
| Net loans and leases to deposits | 50.7882% | 7,593 |
| Net loans and leases to core deposits | 53.6877% | 7,810 |
| Total domestic deposits to total assets | 93.6821% | 36 |
| Equity capital to assets | 5.6263% | 8,119 |
| Core capital (leverage) ratio | 5.6653% | 8,144 |
| Tier 1 risk-based capital ratio | 9.6484% | 7,148 |
| Total risk-based capital ratio | 10.8269% | 7,125 |
| Memoranda: | ||
| Average total assets | $17,692,600 | 8,084 |
| Average earning assets | $16,259,200 | 8,059 |
| Average equity | $1,051,200 | 8,269 |
| Average total loans | $9,158,400 | 7,982 |