Home > The Fullerton National Bank > Performance and Condition Ratios
The Fullerton National Bank, Performance and Condition Ratios
| 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 | 4.4652% | 1,826 |
| Cost of funding earning assets | 0.7370% | 861 |
| Net interest margin | 3.7282% | 2,679 |
| Noninterest income to average assets | 0.2615% | 4,573 |
| Noninterest expense to average assets | 2.2061% | 4,518 |
| Loan and lease loss provision to assets | 0.0747% | 2,705 |
| Net operating income to assets | 1.5381% | 743 |
| Return on assets (ROA) | 1.5381% | 755 |
| Pretax return on assets | 1.5711% | 1,377 |
| Return on Equity (ROE) | 13.3910% | 867 |
| Retained earnings to average equity (ytd only) | 7.4798% | 926 |
| Net charge-offs to loans | 0.0092% | 3,766 |
| Credit loss provision to net charge-offs | 1,133.3333% | 323 |
| Earnings coverage of net charge-offs (x) | 249.6667% | 337 |
| Efficiency ratio | 57.2732% | 4,617 |
| Assets per employee ($millions) | 4.9876% | 2,495 |
| Cash dividends to net income (ytd only)* | 44.1429% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8892% | 661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 70.4576% | 2,452 |
| Net loans and leases to deposits | 105.2059% | 437 |
| Net loans and leases to core deposits | 119.8265% | 588 |
| Total domestic deposits to total assets | 66.9711% | 5,495 |
| Equity capital to assets | 12.0077% | 1,835 |
| Core capital (leverage) ratio | 11.9101% | 1,660 |
| Tier 1 risk-based capital ratio | 15.0150% | 2,850 |
| Total risk-based capital ratio | 16.2712% | 2,772 |
| Memoranda: | ||
| Average total assets | $45,510,600 | 5,239 |
| Average earning assets | $43,827,600 | 5,190 |
| Average equity | $5,227,400 | 5,230 |
| Average total loans | $32,455,400 | 4,952 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 1,885 |
| Cost of funding earning assets | 0.7251% | 866 |
| Net interest margin | 3.6983% | 2,770 |
| Noninterest income to average assets | 0.2453% | 4,732 |
| Noninterest expense to average assets | 2.1547% | 4,626 |
| Loan and lease loss provision to assets | 0.0526% | 3,048 |
| Net operating income to assets | 1.5679% | 772 |
| Return on assets (ROA) | 1.5679% | 788 |
| Pretax return on assets | 1.5970% | 1,436 |
| Return on Equity (ROE) | 13.8040% | 875 |
| Retained earnings to average equity (ytd only) | 9.5112% | 702 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6385% | 4,661 |
| Assets per employee ($millions) | 5.1664% | 2,268 |
| Cash dividends to net income (ytd only)* | 31.0986% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 923 |
| Loan loss allowance to noncurrent loans | 794.6667% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 4,467 |
| Noncurrent loans to loans | 0.2215% | 4,181 |
| Net loans and leases to total assets | 71.5407% | 2,328 |
| Net loans and leases to deposits | 109.2985% | 304 |
| Net loans and leases to core deposits | 124.2715% | 455 |
| Total domestic deposits to total assets | 65.4544% | 5,602 |
| Equity capital to assets | 11.5876% | 2,288 |
| Core capital (leverage) ratio | 11.7972% | 1,823 |
| Tier 1 risk-based capital ratio | 14.2306% | 3,337 |
| Total risk-based capital ratio | 15.4852% | 3,234 |
| Memoranda: | ||
| Average total assets | $45,666,250 | 5,292 |
| Average earning assets | $43,947,000 | 5,247 |
| Average equity | $5,186,750 | 5,294 |
| Average total loans | $32,510,250 | 4,992 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 2,121 |
| Cost of funding earning assets | 0.7054% | 873 |
| Net interest margin | 3.5956% | 3,058 |
| Noninterest income to average assets | 0.2423% | 4,792 |
| Noninterest expense to average assets | 2.1635% | 4,647 |
| Loan and lease loss provision to assets | 0.0529% | 2,921 |
| Net operating income to assets | 1.4541% | 943 |
| Return on assets (ROA) | 1.4541% | 968 |
| Pretax return on assets | 1.4849% | 1,703 |
| Return on Equity (ROE) | 12.8915% | 1,065 |
| Retained earnings to average equity (ytd only) | 7.3442% | 1,429 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4524% | 4,536 |
| Assets per employee ($millions) | 5.0442% | 2,344 |
| Cash dividends to net income (ytd only)* | 43.0303% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7922% | 904 |
| Loan loss allowance to noncurrent loans | 19,666.6667% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 5,277 |
| Noncurrent loans to loans | 0.0091% | 5,150 |
| Net loans and leases to total assets | 71.2168% | 2,330 |
| Net loans and leases to deposits | 109.1895% | 281 |
| Net loans and leases to core deposits | 119.9889% | 559 |
| Total domestic deposits to total assets | 65.2231% | 5,648 |
| Equity capital to assets | 11.4631% | 2,348 |
| Core capital (leverage) ratio | 11.5915% | 1,904 |
| Tier 1 risk-based capital ratio | 14.1030% | 3,373 |
| Total risk-based capital ratio | 15.3577% | 3,281 |
| Memoranda: | ||
| Average total assets | $45,389,000 | 5,335 |
| Average earning assets | $43,664,670 | 5,294 |
| Average equity | $5,119,670 | 5,343 |
| Average total loans | $32,060,000 | 5,040 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2245% | 2,188 |
| Cost of funding earning assets | 0.6796% | 929 |
| Net interest margin | 3.5449% | 3,098 |
| Noninterest income to average assets | 0.2468% | 4,767 |
| Noninterest expense to average assets | 2.1505% | 4,752 |
| Loan and lease loss provision to assets | 0.0529% | 2,751 |
| Net operating income to assets | 1.4190% | 962 |
| Return on assets (ROA) | 1.4190% | 990 |
| Pretax return on assets | 1.4454% | 1,712 |
| Return on Equity (ROE) | 12.6834% | 1,067 |
| Retained earnings to average equity (ytd only) | 12.6834% | 406 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9372% | 4,599 |
| Assets per employee ($millions) | 4.8772% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8303% | 908 |
| Loan loss allowance to noncurrent loans | 14,600.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 5,076 |
| Noncurrent loans to loans | 0.0125% | 5,193 |
| Net loans and leases to total assets | 71.3612% | 2,160 |
| Net loans and leases to deposits | 97.6282% | 801 |
| Net loans and leases to core deposits | 106.4682% | 1,068 |
| Total domestic deposits to total assets | 73.0949% | 5,483 |
| Equity capital to assets | 11.7667% | 1,990 |
| Core capital (leverage) ratio | 11.6876% | 1,835 |
| Tier 1 risk-based capital ratio | 14.4787% | 3,213 |
| Total risk-based capital ratio | 15.7346% | 3,142 |
| Memoranda: | ||
| Average total assets | $45,384,500 | 5,398 |
| Average earning assets | $43,555,000 | 5,358 |
| Average equity | $5,077,500 | 5,405 |
| Average total loans | $31,629,500 | 5,106 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3032% | 2,130 |
| Cost of funding earning assets | 0.6884% | 862 |
| Net interest margin | 3.6148% | 3,022 |
| Noninterest income to average assets | 0.2436% | 4,966 |
| Noninterest expense to average assets | 2.1614% | 4,859 |
| Loan and lease loss provision to assets | 0.0395% | 3,589 |
| Net operating income to assets | 1.4548% | 910 |
| Return on assets (ROA) | 1.4548% | 934 |
| Pretax return on assets | 1.4877% | 1,622 |
| Return on Equity (ROE) | 13.2014% | 952 |
| Retained earnings to average equity (ytd only) | 2.9668% | 3,789 |
| Net charge-offs to loans | 0.1569% | 1,705 |
| Credit loss provision to net charge-offs | 36.0000% | 3,536 |
| Earnings coverage of net charge-offs (x) | 13.9200% | 2,332 |
| Efficiency ratio | 58.5961% | 4,777 |
| Assets per employee ($millions) | 5.2082% | 2,162 |
| Cash dividends to net income (ytd only)* | 77.5264% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8436% | 882 |
| Loan loss allowance to noncurrent loans | 4,446.1538% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 5,266 |
| Noncurrent loans to loans | 0.0415% | 5,085 |
| Net loans and leases to total assets | 65.6505% | 3,123 |
| Net loans and leases to deposits | 97.0910% | 902 |
| Net loans and leases to core deposits | 106.3742% | 1,109 |
| Total domestic deposits to total assets | 67.6174% | 5,726 |
| Equity capital to assets | 10.6456% | 2,984 |
| Core capital (leverage) ratio | 11.1731% | 2,189 |
| Tier 1 risk-based capital ratio | 13.7205% | 3,635 |
| Total risk-based capital ratio | 14.9743% | 3,537 |
| Memoranda: | ||
| Average total assets | $45,572,200 | 5,427 |
| Average earning assets | $43,432,800 | 5,392 |
| Average equity | $5,022,200 | 5,463 |
| Average total loans | $31,873,600 | 5,137 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 2,011 |
| Cost of funding earning assets | 0.6924% | 847 |
| Net interest margin | 3.6535% | 2,874 |
| Noninterest income to average assets | 0.2475% | 4,986 |
| Noninterest expense to average assets | 2.1924% | 4,791 |
| Loan and lease loss provision to assets | 0.0354% | 3,531 |
| Net operating income to assets | 1.4704% | 934 |
| Return on assets (ROA) | 1.4704% | 977 |
| Pretax return on assets | 1.5028% | 1,706 |
| Return on Equity (ROE) | 13.2264% | 987 |
| Retained earnings to average equity (ytd only) | 7.5541% | 1,376 |
| Net charge-offs to loans | 0.2083% | 1,121 |
| Credit loss provision to net charge-offs | 24.0000% | 3,265 |
| Earnings coverage of net charge-offs (x) | 10.4392% | 2,575 |
| Efficiency ratio | 58.7678% | 4,713 |
| Assets per employee ($millions) | 5.1980% | 2,149 |
| Cash dividends to net income (ytd only)* | 42.8861% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7244% | 1,159 |
| Loan loss allowance to noncurrent loans | 3,813.3333% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 5,365 |
| Noncurrent loans to loans | 0.0452% | 5,181 |
| Net loans and leases to total assets | 69.6828% | 2,537 |
| Net loans and leases to deposits | 104.0106% | 456 |
| Net loans and leases to core deposits | 112.5617% | 779 |
| Total domestic deposits to total assets | 66.9959% | 5,796 |
| Equity capital to assets | 11.0726% | 2,941 |
| Core capital (leverage) ratio | 11.2920% | 2,198 |
| Tier 1 risk-based capital ratio | 13.6441% | 3,772 |
| Total risk-based capital ratio | 14.8979% | 3,684 |
| Memoranda: | ||
| Average total assets | $45,246,750 | 5,489 |
| Average earning assets | $43,135,250 | 5,452 |
| Average equity | $5,030,250 | 5,521 |
| Average total loans | $32,004,250 | 5,180 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3190% | 2,097 |
| Cost of funding earning assets | 0.6933% | 833 |
| Net interest margin | 3.6257% | 2,989 |
| Noninterest income to average assets | 0.2459% | 5,011 |
| Noninterest expense to average assets | 2.2354% | 4,765 |
| Loan and lease loss provision to assets | 0.0536% | 3,073 |
| Net operating income to assets | 1.3859% | 1,088 |
| Return on assets (ROA) | 1.3859% | 1,150 |
| Pretax return on assets | 1.4172% | 1,963 |
| Return on Equity (ROE) | 12.4490% | 1,171 |
| Retained earnings to average equity (ytd only) | 6.7064% | 1,760 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3136% | 4,602 |
| Assets per employee ($millions) | 5.0177% | 2,277 |
| Cash dividends to net income (ytd only)* | 46.1290% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9581% | 803 |
| Loan loss allowance to noncurrent loans | 112.4774% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.2246% | 1,679 |
| Noncurrent loans to loans | 1.7409% | 1,205 |
| Net loans and leases to total assets | 68.9630% | 2,640 |
| Net loans and leases to deposits | 97.4041% | 939 |
| Net loans and leases to core deposits | 106.5848% | 1,131 |
| Total domestic deposits to total assets | 70.8009% | 5,739 |
| Equity capital to assets | 11.2336% | 2,816 |
| Core capital (leverage) ratio | 11.3123% | 2,137 |
| Tier 1 risk-based capital ratio | 13.8948% | 3,665 |
| Total risk-based capital ratio | 15.1493% | 3,582 |
| Memoranda: | ||
| Average total assets | $44,735,000 | 5,565 |
| Average earning assets | $42,695,330 | 5,526 |
| Average equity | $4,980,330 | 5,589 |
| Average total loans | $31,615,330 | 5,244 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 1,927 |
| Cost of funding earning assets | 0.6970% | 819 |
| Net interest margin | 3.6640% | 2,830 |
| Noninterest income to average assets | 0.2785% | 4,722 |
| Noninterest expense to average assets | 2.3898% | 4,400 |
| Loan and lease loss provision to assets | 0.0539% | 2,859 |
| Net operating income to assets | 1.2937% | 1,274 |
| Return on assets (ROA) | 1.2937% | 1,355 |
| Pretax return on assets | 1.3296% | 2,184 |
| Return on Equity (ROE) | 11.6741% | 1,408 |
| Retained earnings to average equity (ytd only) | 5.9181% | 2,411 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3333% | 4,249 |
| Assets per employee ($millions) | 4.9190% | 2,431 |
| Cash dividends to net income (ytd only)* | 49.3056% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9520% | 892 |
| Loan loss allowance to noncurrent loans | 193.7107% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 2,918 |
| Noncurrent loans to loans | 1.0077% | 2,369 |
| Net loans and leases to total assets | 69.8923% | 2,358 |
| Net loans and leases to deposits | 95.0657% | 1,036 |
| Net loans and leases to core deposits | 101.2931% | 1,384 |
| Total domestic deposits to total assets | 73.5199% | 5,655 |
| Equity capital to assets | 11.2353% | 2,695 |
| Core capital (leverage) ratio | 11.1590% | 2,257 |
| Tier 1 risk-based capital ratio | 13.7506% | 3,836 |
| Total risk-based capital ratio | 15.0057% | 3,770 |
| Memoranda: | ||
| Average total assets | $44,523,000 | 5,628 |
| Average earning assets | $42,467,500 | 5,585 |
| Average equity | $4,934,000 | 5,636 |
| Average total loans | $31,540,500 | 5,286 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3295% | 2,120 |
| Cost of funding earning assets | 0.6270% | 1,198 |
| Net interest margin | 3.7025% | 2,742 |
| Noninterest income to average assets | 0.2957% | 4,769 |
| Noninterest expense to average assets | 2.1246% | 5,203 |
| Loan and lease loss provision to assets | 0.0550% | 3,214 |
| Net operating income to assets | 1.6570% | 621 |
| Return on assets (ROA) | 1.6570% | 644 |
| Pretax return on assets | 1.6891% | 1,027 |
| Return on Equity (ROE) | 15.3210% | 641 |
| Retained earnings to average equity (ytd only) | 8.4976% | 779 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9171% | 5,450 |
| Assets per employee ($millions) | 4.9750% | 2,398 |
| Cash dividends to net income (ytd only)* | 44.5367% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 69.0408% | 2,539 |
| Net loans and leases to deposits | 101.6708% | 561 |
| Net loans and leases to core deposits | 111.4544% | 796 |
| Total domestic deposits to total assets | 67.9062% | 5,978 |
| Equity capital to assets | 10.9302% | 2,897 |
| Core capital (leverage) ratio | 11.2866% | 2,132 |
| Tier 1 risk-based capital ratio | 13.3965% | 4,056 |
| Total risk-based capital ratio | 14.6556% | 3,994 |
| Memoranda: | ||
| Average total assets | $43,632,000 | 5,691 |
| Average earning assets | $42,106,600 | 5,631 |
| Average equity | $4,719,000 | 5,717 |
| Average total loans | $30,885,400 | 5,326 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 2,274 |
| Cost of funding earning assets | 0.6131% | 1,324 |
| Net interest margin | 3.6753% | 2,866 |
| Noninterest income to average assets | 0.3045% | 4,762 |
| Noninterest expense to average assets | 2.1470% | 5,178 |
| Loan and lease loss provision to assets | 0.0554% | 3,088 |
| Net operating income to assets | 1.6272% | 725 |
| Return on assets (ROA) | 1.6272% | 750 |
| Pretax return on assets | 1.6610% | 1,209 |
| Return on Equity (ROE) | 15.0863% | 713 |
| Retained earnings to average equity (ytd only) | 9.0404% | 884 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5732% | 5,401 |
| Assets per employee ($millions) | 4.9628% | 2,349 |
| Cash dividends to net income (ytd only)* | 40.0754% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8682% | 1,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 71.0310% | 2,228 |
| Net loans and leases to deposits | 109.4302% | 262 |
| Net loans and leases to core deposits | 119.1318% | 499 |
| Total domestic deposits to total assets | 64.9099% | 6,115 |
| Equity capital to assets | 10.8273% | 3,214 |
| Core capital (leverage) ratio | 10.7602% | 2,759 |
| Tier 1 risk-based capital ratio | 12.9109% | 4,479 |
| Total risk-based capital ratio | 14.1669% | 4,398 |
| Memoranda: | ||
| Average total assets | $43,346,250 | 5,773 |
| Average earning assets | $41,972,500 | 5,704 |
| Average equity | $4,675,250 | 5,805 |
| Average total loans | $30,726,000 | 5,391 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2235% | 2,462 |
| Cost of funding earning assets | 0.5958% | 1,446 |
| Net interest margin | 3.6277% | 2,986 |
| Noninterest income to average assets | 0.3123% | 4,723 |
| Noninterest expense to average assets | 2.1722% | 5,177 |
| Loan and lease loss provision to assets | 0.0559% | 2,988 |
| Net operating income to assets | 1.5709% | 795 |
| Return on assets (ROA) | 1.5709% | 822 |
| Pretax return on assets | 1.6035% | 1,318 |
| Return on Equity (ROE) | 14.5835% | 805 |
| Retained earnings to average equity (ytd only) | 8.4818% | 1,081 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6910% | 5,366 |
| Assets per employee ($millions) | 4.8603% | 2,455 |
| Cash dividends to net income (ytd only)* | 41.8398% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8883% | 1,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 71.0308% | 2,160 |
| Net loans and leases to deposits | 106.1277% | 372 |
| Net loans and leases to core deposits | 114.9288% | 629 |
| Total domestic deposits to total assets | 66.9296% | 6,146 |
| Equity capital to assets | 10.7606% | 3,153 |
| Core capital (leverage) ratio | 10.8681% | 2,550 |
| Tier 1 risk-based capital ratio | 12.7845% | 4,629 |
| Total risk-based capital ratio | 14.0394% | 4,542 |
| Memoranda: | ||
| Average total assets | $42,906,670 | 5,847 |
| Average earning assets | $41,624,000 | 5,773 |
| Average equity | $4,621,670 | 5,875 |
| Average total loans | $30,191,330 | 5,467 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 2,533 |
| Cost of funding earning assets | 0.6012% | 1,428 |
| Net interest margin | 3.5784% | 3,087 |
| Noninterest income to average assets | 0.3766% | 4,187 |
| Noninterest expense to average assets | 2.1276% | 5,326 |
| Loan and lease loss provision to assets | 0.0565% | 2,804 |
| Net operating income to assets | 1.6287% | 681 |
| Return on assets (ROA) | 1.6287% | 710 |
| Pretax return on assets | 1.6663% | 1,126 |
| Return on Equity (ROE) | 15.1125% | 694 |
| Retained earnings to average equity (ytd only) | 8.9976% | 1,194 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2567% | 5,576 |
| Assets per employee ($millions) | 4.5809% | 2,924 |
| Cash dividends to net income (ytd only)* | 40.4624% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0266% | 1,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 69.4164% | 2,218 |
| Net loans and leases to deposits | 91.0911% | 1,286 |
| Net loans and leases to core deposits | 95.6262% | 1,642 |
| Total domestic deposits to total assets | 76.2055% | 5,717 |
| Equity capital to assets | 11.2496% | 2,698 |
| Core capital (leverage) ratio | 10.2798% | 3,242 |
| Tier 1 risk-based capital ratio | 12.8350% | 4,704 |
| Total risk-based capital ratio | 14.0858% | 4,617 |
| Memoranda: | ||
| Average total assets | $42,488,500 | 5,907 |
| Average earning assets | $41,247,500 | 5,836 |
| Average equity | $4,579,000 | 5,935 |
| Average total loans | $29,452,500 | 5,541 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 2,586 |
| Cost of funding earning assets | 0.6397% | 1,478 |
| Net interest margin | 3.6661% | 3,142 |
| Noninterest income to average assets | 0.2959% | 5,002 |
| Noninterest expense to average assets | 2.1716% | 5,406 |
| Loan and lease loss provision to assets | 0.0587% | 3,364 |
| Net operating income to assets | 1.5773% | 739 |
| Return on assets (ROA) | 1.5773% | 778 |
| Pretax return on assets | 1.6116% | 1,203 |
| Return on Equity (ROE) | 14.8727% | 802 |
| Retained earnings to average equity (ytd only) | 8.3241% | 899 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5245% | 5,617 |
| Assets per employee ($millions) | 4.8610% | 2,525 |
| Cash dividends to net income (ytd only)* | 44.0310% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9735% | 1,155 |
| Loan loss allowance to noncurrent loans | 19,533.3333% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 6,054 |
| Noncurrent loans to loans | 0.0101% | 5,879 |
| Net loans and leases to total assets | 66.5341% | 2,803 |
| Net loans and leases to deposits | 93.7697% | 1,097 |
| Net loans and leases to core deposits | 100.2100% | 1,383 |
| Total domestic deposits to total assets | 70.9548% | 6,147 |
| Equity capital to assets | 10.3660% | 3,650 |
| Core capital (leverage) ratio | 10.5680% | 2,881 |
| Tier 1 risk-based capital ratio | 12.9205% | 4,780 |
| Total risk-based capital ratio | 14.0696% | 4,758 |
| Memoranda: | ||
| Average total assets | $40,891,800 | 6,013 |
| Average earning assets | $39,551,400 | 5,930 |
| Average equity | $4,336,800 | 6,025 |
| Average total loans | $28,364,800 | 5,635 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3255% | 2,519 |
| Cost of funding earning assets | 0.6557% | 1,419 |
| Net interest margin | 3.6698% | 3,153 |
| Noninterest income to average assets | 0.2887% | 5,135 |
| Noninterest expense to average assets | 2.1935% | 5,365 |
| Loan and lease loss provision to assets | 0.0597% | 3,165 |
| Net operating income to assets | 1.5464% | 851 |
| Return on assets (ROA) | 1.5464% | 884 |
| Pretax return on assets | 1.5830% | 1,380 |
| Return on Equity (ROE) | 14.4923% | 900 |
| Retained earnings to average equity (ytd only) | 7.8680% | 1,420 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1799% | 5,545 |
| Assets per employee ($millions) | 4.7279% | 2,620 |
| Cash dividends to net income (ytd only)* | 45.7075% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9136% | 1,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 69.8691% | 2,216 |
| Net loans and leases to deposits | 100.8309% | 571 |
| Net loans and leases to core deposits | 108.1484% | 843 |
| Total domestic deposits to total assets | 69.2933% | 6,305 |
| Equity capital to assets | 10.4157% | 3,661 |
| Core capital (leverage) ratio | 10.6289% | 2,892 |
| Tier 1 risk-based capital ratio | 12.4761% | 5,183 |
| Total risk-based capital ratio | 13.7268% | 5,116 |
| Memoranda: | ||
| Average total assets | $40,177,500 | 6,107 |
| Average earning assets | $38,838,250 | 6,028 |
| Average equity | $4,287,250 | 6,099 |
| Average total loans | $28,032,500 | 5,702 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 2,846 |
| Cost of funding earning assets | 0.6560% | 1,464 |
| Net interest margin | 3.5741% | 3,468 |
| Noninterest income to average assets | 0.2894% | 5,103 |
| Noninterest expense to average assets | 2.2343% | 5,330 |
| Loan and lease loss provision to assets | 0.0609% | 3,052 |
| Net operating income to assets | 1.4167% | 1,028 |
| Return on assets (ROA) | 1.4167% | 1,068 |
| Pretax return on assets | 1.4523% | 1,706 |
| Return on Equity (ROE) | 13.1635% | 1,131 |
| Retained earnings to average equity (ytd only) | 6.4638% | 2,055 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6206% | 5,350 |
| Assets per employee ($millions) | 5.0834% | 2,110 |
| Cash dividends to net income (ytd only)* | 50.8961% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0196% | 1,327 |
| Loan loss allowance to noncurrent loans | 257.3991% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 4,346 |
| Noncurrent loans to loans | 0.7846% | 3,738 |
| Net loans and leases to total assets | 68.4757% | 2,329 |
| Net loans and leases to deposits | 90.6566% | 1,308 |
| Net loans and leases to core deposits | 96.9536% | 1,524 |
| Total domestic deposits to total assets | 75.5330% | 5,965 |
| Equity capital to assets | 10.6179% | 3,287 |
| Core capital (leverage) ratio | 10.8322% | 2,594 |
| Tier 1 risk-based capital ratio | 12.9351% | 4,953 |
| Total risk-based capital ratio | 14.1918% | 4,889 |
| Memoranda: | ||
| Average total assets | $39,386,330 | 6,189 |
| Average earning assets | $38,107,000 | 6,106 |
| Average equity | $4,239,000 | 6,152 |
| Average total loans | $27,273,330 | 5,778 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 2,774 |
| Cost of funding earning assets | 0.6742% | 1,411 |
| Net interest margin | 3.5529% | 3,470 |
| Noninterest income to average assets | 0.3097% | 4,887 |
| Noninterest expense to average assets | 2.2506% | 5,324 |
| Loan and lease loss provision to assets | 0.0619% | 2,880 |
| Net operating income to assets | 1.3834% | 1,024 |
| Return on assets (ROA) | 1.3834% | 1,065 |
| Pretax return on assets | 1.4247% | 1,661 |
| Return on Equity (ROE) | 12.7634% | 1,221 |
| Retained earnings to average equity (ytd only) | 6.0007% | 2,544 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2210% | 5,370 |
| Assets per employee ($millions) | 4.7211% | 2,635 |
| Cash dividends to net income (ytd only)* | 52.9851% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1784% | 1,196 |
| Loan loss allowance to noncurrent loans | 835.2941% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 5,686 |
| Noncurrent loans to loans | 0.2608% | 5,319 |
| Net loans and leases to total assets | 67.5316% | 2,295 |
| Net loans and leases to deposits | 81.8261% | 2,062 |
| Net loans and leases to core deposits | 87.4212% | 2,154 |
| Total domestic deposits to total assets | 82.5306% | 4,777 |
| Equity capital to assets | 11.2103% | 2,512 |
| Core capital (leverage) ratio | 10.9606% | 2,425 |
| Tier 1 risk-based capital ratio | 13.7486% | 4,502 |
| Total risk-based capital ratio | 15.0063% | 4,452 |
| Memoranda: | ||
| Average total assets | $38,746,000 | 6,263 |
| Average earning assets | $37,377,500 | 6,189 |
| Average equity | $4,199,500 | 6,205 |
| Average total loans | $26,699,500 | 5,865 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6343% | 1,762 |
| Cost of funding earning assets | 0.7388% | 1,567 |
| Net interest margin | 3.8955% | 2,300 |
| Noninterest income to average assets | 0.3669% | 4,685 |
| Noninterest expense to average assets | 2.3345% | 5,274 |
| Loan and lease loss provision to assets | 0.0616% | 3,907 |
| Net operating income to assets | 1.6547% | 626 |
| Return on assets (ROA) | 1.6547% | 639 |
| Pretax return on assets | 1.6906% | 975 |
| Return on Equity (ROE) | 16.0456% | 616 |
| Retained earnings to average equity (ytd only) | 8.9557% | 779 |
| Net charge-offs to loans | 0.0110% | 5,234 |
| Credit loss provision to net charge-offs | 800.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 227.6667% | 199 |
| Efficiency ratio | 57.1249% | 5,837 |
| Assets per employee ($millions) | 4.9654% | 2,219 |
| Cash dividends to net income (ytd only)* | 44.1860% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0567% | 1,431 |
| 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 | 67.3741% | 2,463 |
| Net loans and leases to deposits | 89.6523% | 1,265 |
| Net loans and leases to core deposits | 94.3788% | 1,574 |
| Total domestic deposits to total assets | 75.1504% | 6,177 |
| Equity capital to assets | 10.4851% | 3,181 |
| Core capital (leverage) ratio | 10.6066% | 2,775 |
| Tier 1 risk-based capital ratio | 12.5591% | 5,251 |
| Total risk-based capital ratio | 13.8138% | 5,199 |
| Memoranda: | ||
| Average total assets | $38,980,400 | 6,312 |
| Average earning assets | $37,222,800 | 6,247 |
| Average equity | $4,019,800 | 6,319 |
| Average total loans | $27,154,800 | 5,885 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 1,738 |
| Cost of funding earning assets | 0.7502% | 1,609 |
| Net interest margin | 3.9061% | 2,251 |
| Noninterest income to average assets | 0.3815% | 4,665 |
| Noninterest expense to average assets | 2.3370% | 5,224 |
| Loan and lease loss provision to assets | 0.0619% | 3,805 |
| Net operating income to assets | 1.6668% | 660 |
| Return on assets (ROA) | 1.6668% | 692 |
| Pretax return on assets | 1.7047% | 1,083 |
| Return on Equity (ROE) | 16.2332% | 618 |
| Retained earnings to average equity (ytd only) | 9.4387% | 926 |
| Net charge-offs to loans | 0.0148% | 4,837 |
| Credit loss provision to net charge-offs | 600.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 171.3300% | 325 |
| Efficiency ratio | 56.9514% | 5,807 |
| Assets per employee ($millions) | 5.1524% | 1,988 |
| Cash dividends to net income (ytd only)* | 41.8557% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8830% | 2,053 |
| 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 | 70.2855% | 1,914 |
| Net loans and leases to deposits | 102.1328% | 376 |
| Net loans and leases to core deposits | 107.8151% | 674 |
| Total domestic deposits to total assets | 68.8178% | 6,641 |
| Equity capital to assets | 9.9444% | 3,979 |
| Core capital (leverage) ratio | 9.9993% | 3,682 |
| Tier 1 risk-based capital ratio | 11.6277% | 5,997 |
| Total risk-based capital ratio | 12.8816% | 5,954 |
| Memoranda: | ||
| Average total assets | $38,794,750 | 6,392 |
| Average earning assets | $36,967,000 | 6,329 |
| Average equity | $3,983,500 | 6,408 |
| Average total loans | $27,112,250 | 5,944 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6779% | 1,629 |
| Cost of funding earning assets | 0.7769% | 1,544 |
| Net interest margin | 3.9010% | 2,206 |
| Noninterest income to average assets | 0.4001% | 4,528 |
| Noninterest expense to average assets | 2.3903% | 5,083 |
| Loan and lease loss provision to assets | 0.0632% | 3,748 |
| Net operating income to assets | 1.6058% | 740 |
| Return on assets (ROA) | 1.6058% | 810 |
| Pretax return on assets | 1.6479% | 1,237 |
| Return on Equity (ROE) | 15.4626% | 741 |
| Retained earnings to average equity (ytd only) | 9.2776% | 1,040 |
| Net charge-offs to loans | 0.0228% | 4,382 |
| Credit loss provision to net charge-offs | 400.0000% | 655 |
| Earnings coverage of net charge-offs (x) | 108.3333% | 438 |
| Efficiency ratio | 58.2798% | 5,694 |
| Assets per employee ($millions) | 4.3101% | 3,160 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0204% | 1,806 |
| Loan loss allowance to noncurrent loans | 188.3562% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.7528% | 4,328 |
| Noncurrent loans to loans | 1.0726% | 3,784 |
| Net loans and leases to total assets | 68.7608% | 2,099 |
| Net loans and leases to deposits | 94.8609% | 748 |
| Net loans and leases to core deposits | 100.1878% | 1,065 |
| Total domestic deposits to total assets | 72.4859% | 6,536 |
| Equity capital to assets | 10.3271% | 3,519 |
| Core capital (leverage) ratio | 9.9334% | 3,610 |
| Tier 1 risk-based capital ratio | 12.4191% | 5,555 |
| Total risk-based capital ratio | 13.6058% | 5,541 |
| Memoranda: | ||
| Average total assets | $37,986,670 | 6,456 |
| Average earning assets | $36,042,000 | 6,398 |
| Average equity | $3,945,000 | 6,462 |
| Average total loans | $26,307,330 | 6,007 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6348% | 1,727 |
| Cost of funding earning assets | 0.8252% | 1,396 |
| Net interest margin | 3.8096% | 2,412 |
| Noninterest income to average assets | 0.4683% | 4,001 |
| Noninterest expense to average assets | 2.4691% | 4,871 |
| Loan and lease loss provision to assets | 0.0639% | 3,560 |
| Net operating income to assets | 1.4793% | 895 |
| Return on assets (ROA) | 1.4793% | 972 |
| Pretax return on assets | 1.5219% | 1,510 |
| Return on Equity (ROE) | 14.2036% | 929 |
| Retained earnings to average equity (ytd only) | 9.7075% | 1,186 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8924% | 5,459 |
| Assets per employee ($millions) | 4.2646% | 3,399 |
| Cash dividends to net income (ytd only)* | 31.6547% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0765% | 1,853 |
| 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 | 67.2103% | 2,153 |
| Net loans and leases to deposits | 91.4233% | 857 |
| Net loans and leases to core deposits | 93.3927% | 1,384 |
| Total domestic deposits to total assets | 73.5155% | 6,566 |
| Equity capital to assets | 10.3176% | 3,778 |
| Core capital (leverage) ratio | 10.0154% | 3,362 |
| Tier 1 risk-based capital ratio | 12.2759% | 5,736 |
| Total risk-based capital ratio | 13.4911% | 5,721 |
| Memoranda: | ||
| Average total assets | $37,584,500 | 6,533 |
| Average earning assets | $35,384,500 | 6,481 |
| Average equity | $3,914,500 | 6,537 |
| Average total loans | $25,849,500 | 6,078 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0972% | 1,323 |
| Cost of funding earning assets | 0.9526% | 1,629 |
| Net interest margin | 4.1447% | 1,840 |
| Noninterest income to average assets | 0.3034% | 5,281 |
| Noninterest expense to average assets | 2.3947% | 5,419 |
| Loan and lease loss provision to assets | 0.2873% | 2,367 |
| Net operating income to assets | 1.5491% | 835 |
| Return on assets (ROA) | 1.5491% | 913 |
| Pretax return on assets | 1.5813% | 1,435 |
| Return on Equity (ROE) | 15.5803% | 726 |
| Retained earnings to average equity (ytd only) | 9.8018% | 629 |
| Net charge-offs to loans | 0.0485% | 5,235 |
| Credit loss provision to net charge-offs | 823.0769% | 302 |
| Earnings coverage of net charge-offs (x) | 53.5385% | 649 |
| Efficiency ratio | 44.7733% | 6,822 |
| Assets per employee ($millions) | 4.0876% | 3,770 |
| Cash dividends to net income (ytd only)* | 37.0884% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1336% | 1,678 |
| Loan loss allowance to noncurrent loans | 3,606.6667% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 6,544 |
| Noncurrent loans to loans | 0.0592% | 6,341 |
| Net loans and leases to total assets | 67.4541% | 2,289 |
| Net loans and leases to deposits | 93.7193% | 768 |
| Net loans and leases to core deposits | 97.3786% | 1,191 |
| Total domestic deposits to total assets | 71.9746% | 6,692 |
| Equity capital to assets | 10.5170% | 3,510 |
| Core capital (leverage) ratio | 10.2292% | 3,098 |
| Tier 1 risk-based capital ratio | 12.6760% | 5,343 |
| Total risk-based capital ratio | 13.8916% | 5,315 |
| Memoranda: | ||
| Average total assets | $37,248,600 | 6,575 |
| Average earning assets | $35,588,000 | 6,513 |
| Average equity | $3,703,400 | 6,635 |
| Average total loans | $26,804,600 | 6,092 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1454% | 1,312 |
| Cost of funding earning assets | 0.9755% | 1,707 |
| Net interest margin | 4.1700% | 1,831 |
| Noninterest income to average assets | 0.2962% | 5,403 |
| Noninterest expense to average assets | 2.3801% | 5,454 |
| Loan and lease loss provision to assets | 0.3140% | 2,101 |
| Net operating income to assets | 1.5665% | 921 |
| Return on assets (ROA) | 1.5665% | 1,014 |
| Pretax return on assets | 1.5987% | 1,581 |
| Return on Equity (ROE) | 15.9836% | 742 |
| Retained earnings to average equity (ytd only) | 11.2504% | 643 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1347% | 6,810 |
| Assets per employee ($millions) | 4.2850% | 3,305 |
| Cash dividends to net income (ytd only)* | 29.6129% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9009% | 2,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 71.5934% | 1,627 |
| Net loans and leases to deposits | 101.9647% | 349 |
| Net loans and leases to core deposits | 105.8544% | 747 |
| Total domestic deposits to total assets | 70.2139% | 6,829 |
| Equity capital to assets | 9.9261% | 4,609 |
| Core capital (leverage) ratio | 9.6374% | 4,063 |
| Tier 1 risk-based capital ratio | 11.5111% | 6,220 |
| Total risk-based capital ratio | 12.7648% | 6,190 |
| Memoranda: | ||
| Average total assets | $37,363,750 | 6,658 |
| Average earning assets | $35,810,750 | 6,588 |
| Average equity | $3,662,000 | 6,729 |
| Average total loans | $27,166,750 | 6,156 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1472% | 1,385 |
| Cost of funding earning assets | 0.9890% | 1,832 |
| Net interest margin | 4.1582% | 1,872 |
| Noninterest income to average assets | 0.3517% | 5,026 |
| Noninterest expense to average assets | 2.4132% | 5,409 |
| Loan and lease loss provision to assets | 0.4491% | 1,431 |
| Net operating income to assets | 1.4609% | 1,065 |
| Return on assets (ROA) | 1.4609% | 1,199 |
| Pretax return on assets | 1.4934% | 1,869 |
| Return on Equity (ROE) | 14.9723% | 944 |
| Retained earnings to average equity (ytd only) | 10.1479% | 938 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8323% | 6,840 |
| Assets per employee ($millions) | 4.2701% | 3,314 |
| Cash dividends to net income (ytd only)* | 32.2222% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8441% | 2,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 73.4069% | 1,341 |
| Net loans and leases to deposits | 107.3315% | 195 |
| Net loans and leases to core deposits | 109.4128% | 599 |
| Total domestic deposits to total assets | 68.3927% | 6,982 |
| Equity capital to assets | 9.6016% | 4,911 |
| Core capital (leverage) ratio | 9.6983% | 3,838 |
| Tier 1 risk-based capital ratio | 11.1600% | 6,423 |
| Total risk-based capital ratio | 12.4149% | 6,398 |
| Memoranda: | ||
| Average total assets | $36,963,330 | 6,712 |
| Average earning assets | $35,592,330 | 6,636 |
| Average equity | $3,606,670 | 6,780 |
| Average total loans | $26,840,670 | 6,216 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8236% | 2,547 |
| Cost of funding earning assets | 1.0566% | 1,638 |
| Net interest margin | 3.7670% | 3,532 |
| Noninterest income to average assets | 0.4306% | 4,450 |
| Noninterest expense to average assets | 2.5062% | 5,129 |
| Loan and lease loss provision to assets | 0.0662% | 4,587 |
| Net operating income to assets | 1.4463% | 1,127 |
| Return on assets (ROA) | 1.4463% | 1,261 |
| Pretax return on assets | 1.4795% | 1,930 |
| Return on Equity (ROE) | 14.6985% | 1,042 |
| Retained earnings to average equity (ytd only) | 14.6985% | 485 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0518% | 7,026 |
| Assets per employee ($millions) | 3.9916% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7806% | 3,058 |
| Loan loss allowance to noncurrent loans | 128.6119% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.9826% | 4,542 |
| Noncurrent loans to loans | 1.3845% | 4,039 |
| Net loans and leases to total assets | 69.7111% | 1,807 |
| Net loans and leases to deposits | 95.8400% | 549 |
| Net loans and leases to core deposits | 97.7097% | 1,147 |
| Total domestic deposits to total assets | 72.7369% | 6,845 |
| Equity capital to assets | 10.1269% | 3,948 |
| Core capital (leverage) ratio | 9.9960% | 3,369 |
| Tier 1 risk-based capital ratio | 12.0609% | 5,919 |
| Total risk-based capital ratio | 13.3139% | 5,895 |
| Memoranda: | ||
| Average total assets | $36,229,500 | 6,790 |
| Average earning assets | $34,828,500 | 6,714 |
| Average equity | $3,565,000 | 6,830 |
| Average total loans | $25,890,500 | 6,313 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1495% | 2,252 |
| Cost of funding earning assets | 1.2704% | 1,620 |
| Net interest margin | 3.8791% | 3,432 |
| Noninterest income to average assets | 0.3729% | 4,843 |
| Noninterest expense to average assets | 2.5099% | 5,438 |
| Loan and lease loss provision to assets | 0.0710% | 5,729 |
| Net operating income to assets | 1.4799% | 867 |
| Return on assets (ROA) | 1.4799% | 943 |
| Pretax return on assets | 1.5154% | 1,425 |
| Return on Equity (ROE) | 15.0258% | 738 |
| Retained earnings to average equity (ytd only) | 9.0155% | 794 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4133% | 7,160 |
| Assets per employee ($millions) | 4.0594% | 3,731 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7045% | 3,182 |
| Loan loss allowance to noncurrent loans | 96.9697% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.2645% | 4,115 |
| Noncurrent loans to loans | 1.7577% | 3,521 |
| Net loans and leases to total assets | 70.7158% | 1,880 |
| Net loans and leases to deposits | 103.3564% | 326 |
| Net loans and leases to core deposits | 105.4660% | 821 |
| Total domestic deposits to total assets | 68.4193% | 7,055 |
| Equity capital to assets | 9.5580% | 4,795 |
| Core capital (leverage) ratio | 9.3841% | 4,200 |
| Tier 1 risk-based capital ratio | 11.4811% | 6,170 |
| Total risk-based capital ratio | 12.7331% | 6,158 |
| Memoranda: | ||
| Average total assets | $33,786,400 | 6,864 |
| Average earning assets | $32,430,600 | 6,796 |
| Average equity | $3,327,600 | 6,923 |
| Average total loans | $24,677,400 | 6,436 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1537% | 2,373 |
| Cost of funding earning assets | 1.2758% | 1,839 |
| Net interest margin | 3.8779% | 3,490 |
| Noninterest income to average assets | 0.3786% | 4,827 |
| Noninterest expense to average assets | 2.5458% | 5,300 |
| Loan and lease loss provision to assets | 0.0725% | 5,546 |
| Net operating income to assets | 1.4502% | 1,050 |
| Return on assets (ROA) | 1.4502% | 1,122 |
| Pretax return on assets | 1.4824% | 1,696 |
| Return on Equity (ROE) | 14.6049% | 921 |
| Retained earnings to average equity (ytd only) | 9.3309% | 1,035 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0825% | 5,394 |
| Assets per employee ($millions) | 4.0594% | 3,718 |
| Cash dividends to net income (ytd only)* | 36.1112% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 3,475 |
| Loan loss allowance to noncurrent loans | 92.2756% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.3111% | 4,181 |
| Noncurrent loans to loans | 1.7807% | 3,664 |
| Net loans and leases to total assets | 72.4182% | 1,624 |
| Net loans and leases to deposits | 109.8572% | 180 |
| Net loans and leases to core deposits | 113.3882% | 571 |
| Total domestic deposits to total assets | 65.9204% | 7,199 |
| Equity capital to assets | 9.4184% | 5,213 |
| Core capital (leverage) ratio | 9.6289% | 3,949 |
| Tier 1 risk-based capital ratio | 11.1238% | 6,467 |
| Total risk-based capital ratio | 12.3765% | 6,453 |
| Memoranda: | ||
| Average total assets | $33,099,250 | 6,952 |
| Average earning assets | $31,769,250 | 6,879 |
| Average equity | $3,286,500 | 6,994 |
| Average total loans | $24,275,750 | 6,516 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1577% | 2,431 |
| Cost of funding earning assets | 1.2911% | 2,000 |
| Net interest margin | 3.8667% | 3,460 |
| Noninterest income to average assets | 0.4006% | 4,679 |
| Noninterest expense to average assets | 2.6789% | 4,904 |
| Loan and lease loss provision to assets | 0.0751% | 5,371 |
| Net operating income to assets | 1.3206% | 1,267 |
| Return on assets (ROA) | 1.3206% | 1,342 |
| Pretax return on assets | 1.3582% | 1,933 |
| Return on Equity (ROE) | 13.0448% | 1,190 |
| Retained earnings to average equity (ytd only) | 7.6662% | 1,594 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1446% | 5,036 |
| Assets per employee ($millions) | 3.7301% | 4,355 |
| Cash dividends to net income (ytd only)* | 41.2322% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 3,138 |
| Loan loss allowance to noncurrent loans | 87.8788% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.4745% | 3,998 |
| Noncurrent loans to loans | 1.9960% | 3,483 |
| Net loans and leases to total assets | 72.5775% | 1,668 |
| Net loans and leases to deposits | 96.6098% | 677 |
| Net loans and leases to core deposits | 98.5639% | 1,465 |
| Total domestic deposits to total assets | 75.1244% | 6,710 |
| Equity capital to assets | 9.8954% | 4,277 |
| Core capital (leverage) ratio | 9.8385% | 3,468 |
| Tier 1 risk-based capital ratio | 11.8235% | 5,919 |
| Total risk-based capital ratio | 13.0772% | 5,901 |
| Memoranda: | ||
| Average total assets | $31,954,000 | 7,047 |
| Average earning assets | $30,672,330 | 6,975 |
| Average equity | $3,235,000 | 7,061 |
| Average total loans | $23,401,000 | 6,617 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1761% | 2,320 |
| Cost of funding earning assets | 1.2337% | 2,605 |
| Net interest margin | 3.9424% | 2,943 |
| Noninterest income to average assets | 0.4367% | 4,395 |
| Noninterest expense to average assets | 2.7741% | 4,547 |
| Loan and lease loss provision to assets | 0.0771% | 5,035 |
| Net operating income to assets | 1.3228% | 1,220 |
| Return on assets (ROA) | 1.3228% | 1,266 |
| Pretax return on assets | 1.3614% | 1,841 |
| Return on Equity (ROE) | 12.9093% | 1,217 |
| Retained earnings to average equity (ytd only) | 7.5200% | 1,930 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8537% | 5,059 |
| Assets per employee ($millions) | 3.5204% | 4,947 |
| Cash dividends to net income (ytd only)* | 41.7476% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8846% | 2,747 |
| Loan loss allowance to noncurrent loans | 80.5243% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.6854% | 3,724 |
| Noncurrent loans to loans | 2.3404% | 3,148 |
| Net loans and leases to total assets | 70.6571% | 1,987 |
| Net loans and leases to deposits | 88.1100% | 1,454 |
| Net loans and leases to core deposits | 89.8788% | 2,366 |
| Total domestic deposits to total assets | 80.1919% | 5,895 |
| Equity capital to assets | 10.1786% | 3,561 |
| Core capital (leverage) ratio | 10.0369% | 3,103 |
| Tier 1 risk-based capital ratio | 12.6374% | 5,128 |
| Total risk-based capital ratio | 13.8927% | 5,100 |
| Memoranda: | ||
| Average total assets | $31,145,500 | 7,118 |
| Average earning assets | $29,829,500 | 7,056 |
| Average equity | $3,191,500 | 7,108 |
| Average total loans | $22,701,500 | 6,706 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7200% | 1,498 |
| Cost of funding earning assets | 1.4922% | 2,695 |
| Net interest margin | 4.2278% | 2,067 |
| Noninterest income to average assets | 0.3553% | 5,270 |
| Noninterest expense to average assets | 2.7850% | 4,664 |
| Loan and lease loss provision to assets | 0.0812% | 6,337 |
| Net operating income to assets | 1.4788% | 803 |
| Return on assets (ROA) | 1.4788% | 860 |
| Pretax return on assets | 1.5160% | 1,333 |
| Return on Equity (ROE) | 14.3297% | 825 |
| Retained earnings to average equity (ytd only) | 8.6241% | 809 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5521% | 5,423 |
| Assets per employee ($millions) | 3.4008% | 5,167 |
| Cash dividends to net income (ytd only)* | 39.8169% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8684% | 2,646 |
| Loan loss allowance to noncurrent loans | 74.6903% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.8460% | 3,565 |
| Noncurrent loans to loans | 2.5015% | 3,025 |
| Net loans and leases to total assets | 72.4148% | 2,007 |
| Net loans and leases to deposits | 89.7364% | 1,560 |
| Net loans and leases to core deposits | 91.5906% | 2,546 |
| Total domestic deposits to total assets | 80.6972% | 5,622 |
| Equity capital to assets | 10.3179% | 3,369 |
| Core capital (leverage) ratio | 10.3550% | 2,710 |
| Tier 1 risk-based capital ratio | 12.4492% | 5,067 |
| Total risk-based capital ratio | 13.7054% | 5,047 |
| Memoranda: | ||
| Average total assets | $29,551,200 | 7,218 |
| Average earning assets | $28,147,000 | 7,156 |
| Average equity | $3,049,600 | 7,268 |
| Average total loans | $22,124,000 | 6,815 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8673% | 1,210 |
| Cost of funding earning assets | 1.5397% | 2,724 |
| Net interest margin | 4.3276% | 1,748 |
| Noninterest income to average assets | 0.3596% | 5,286 |
| Noninterest expense to average assets | 2.8180% | 4,408 |
| Loan and lease loss provision to assets | 0.0728% | 6,328 |
| Net operating income to assets | 1.5524% | 823 |
| Return on assets (ROA) | 1.5524% | 901 |
| Pretax return on assets | 1.5888% | 1,371 |
| Return on Equity (ROE) | 15.0425% | 849 |
| Retained earnings to average equity (ytd only) | 9.3079% | 963 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9065% | 5,450 |
| Assets per employee ($millions) | 3.3110% | 5,430 |
| Cash dividends to net income (ytd only)* | 38.1230% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8483% | 2,634 |
| Loan loss allowance to noncurrent loans | 79.0476% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.7618% | 3,798 |
| Noncurrent loans to loans | 2.3382% | 3,301 |
| Net loans and leases to total assets | 73.9555% | 1,815 |
| Net loans and leases to deposits | 97.2722% | 859 |
| Net loans and leases to core deposits | 97.2722% | 2,123 |
| Total domestic deposits to total assets | 76.0294% | 6,647 |
| Equity capital to assets | 10.6010% | 3,408 |
| Core capital (leverage) ratio | 10.3244% | 2,885 |
| Tier 1 risk-based capital ratio | 12.3682% | 5,104 |
| Total risk-based capital ratio | 13.6217% | 5,077 |
| Memoranda: | ||
| Average total assets | $29,287,250 | 7,313 |
| Average earning assets | $27,882,750 | 7,255 |
| Average equity | $3,022,500 | 7,365 |
| Average total loans | $22,008,500 | 6,910 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8290% | 1,348 |
| Cost of funding earning assets | 1.5563% | 2,928 |
| Net interest margin | 4.2726% | 1,879 |
| Noninterest income to average assets | 0.3709% | 5,171 |
| Noninterest expense to average assets | 2.8163% | 4,415 |
| Loan and lease loss provision to assets | 0.0687% | 6,267 |
| Net operating income to assets | 1.5249% | 864 |
| Return on assets (ROA) | 1.5249% | 923 |
| Pretax return on assets | 1.5592% | 1,401 |
| Return on Equity (ROE) | 14.9143% | 871 |
| Retained earnings to average equity (ytd only) | 9.0695% | 1,080 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3694% | 5,455 |
| Assets per employee ($millions) | 3.1836% | 5,717 |
| Cash dividends to net income (ytd only)* | 39.1892% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 2,515 |
| Loan loss allowance to noncurrent loans | 3,408.3333% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 7,287 |
| Noncurrent loans to loans | 0.0548% | 7,182 |
| Net loans and leases to total assets | 75.0070% | 1,694 |
| Net loans and leases to deposits | 98.0339% | 871 |
| Net loans and leases to core deposits | 98.0339% | 2,225 |
| Total domestic deposits to total assets | 76.5112% | 6,600 |
| Equity capital to assets | 10.6659% | 3,204 |
| Core capital (leverage) ratio | 10.1734% | 2,970 |
| Tier 1 risk-based capital ratio | 12.4695% | 4,887 |
| Total risk-based capital ratio | 13.7236% | 4,863 |
| Memoranda: | ||
| Average total assets | $29,116,670 | 7,384 |
| Average earning assets | $27,758,000 | 7,307 |
| Average equity | $2,977,000 | 7,418 |
| Average total loans | $21,860,330 | 6,971 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7205% | 1,703 |
| Cost of funding earning assets | 1.5588% | 3,211 |
| Net interest margin | 4.1617% | 2,189 |
| Noninterest income to average assets | 0.4089% | 4,832 |
| Noninterest expense to average assets | 2.8076% | 4,455 |
| Loan and lease loss provision to assets | 0.0545% | 6,113 |
| Net operating income to assets | 1.4719% | 942 |
| Return on assets (ROA) | 1.4719% | 1,009 |
| Pretax return on assets | 1.5128% | 1,484 |
| Return on Equity (ROE) | 14.7064% | 924 |
| Retained earnings to average equity (ytd only) | 8.8511% | 1,444 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1745% | 5,462 |
| Assets per employee ($millions) | 3.2506% | 5,651 |
| Cash dividends to net income (ytd only)* | 39.8148% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8152% | 2,689 |
| Loan loss allowance to noncurrent loans | 3,358.3333% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 7,388 |
| Noncurrent loans to loans | 0.0540% | 7,269 |
| Net loans and leases to total assets | 74.5138% | 1,856 |
| Net loans and leases to deposits | 95.9801% | 1,112 |
| Net loans and leases to core deposits | 95.9801% | 2,594 |
| Total domestic deposits to total assets | 77.6346% | 6,416 |
| Equity capital to assets | 10.1624% | 3,655 |
| Core capital (leverage) ratio | 9.9679% | 3,204 |
| Tier 1 risk-based capital ratio | 11.9955% | 5,200 |
| Total risk-based capital ratio | 13.2523% | 5,155 |
| Memoranda: | ||
| Average total assets | $29,349,000 | 7,459 |
| Average earning assets | $27,969,500 | 7,393 |
| Average equity | $2,937,500 | 7,511 |
| Average total loans | $21,840,500 | 7,055 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0439% | 1,692 |
| Cost of funding earning assets | 1.9311% | 3,294 |
| Net interest margin | 4.1128% | 2,397 |
| Noninterest income to average assets | 0.4053% | 5,165 |
| Noninterest expense to average assets | 2.9182% | 4,469 |
| Loan and lease loss provision to assets | 0.0564% | 7,001 |
| Net operating income to assets | 1.3252% | 985 |
| Return on assets (ROA) | 1.3252% | 1,030 |
| Pretax return on assets | 1.3640% | 1,519 |
| Return on Equity (ROE) | 13.6549% | 842 |
| Retained earnings to average equity (ytd only) | 7.3359% | 865 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2624% | 5,138 |
| Assets per employee ($millions) | 3.2714% | 5,559 |
| Cash dividends to net income (ytd only)* | 46.2766% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8576% | 2,384 |
| Loan loss allowance to noncurrent loans | 1,375.8621% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 7,253 |
| Noncurrent loans to loans | 0.1350% | 7,092 |
| Net loans and leases to total assets | 71.5960% | 2,862 |
| Net loans and leases to deposits | 89.8589% | 2,231 |
| Net loans and leases to core deposits | 106.8045% | 3,238 |
| Total domestic deposits to total assets | 79.6760% | 5,784 |
| Equity capital to assets | 9.8563% | 3,936 |
| Core capital (leverage) ratio | 9.6912% | 3,474 |
| Tier 1 risk-based capital ratio | 11.9881% | 4,959 |
| Total risk-based capital ratio | 13.0988% | 5,039 |
| Memoranda: | ||
| Average total assets | $28,373,200 | 7,530 |
| Average earning assets | $27,135,000 | 7,458 |
| Average equity | $2,753,600 | 7,662 |
| Average total loans | $20,954,800 | 7,142 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0463% | 1,855 |
| Cost of funding earning assets | 2.0121% | 3,290 |
| Net interest margin | 4.0342% | 2,660 |
| Noninterest income to average assets | 0.4032% | 5,252 |
| Noninterest expense to average assets | 2.9554% | 4,223 |
| Loan and lease loss provision to assets | 0.0617% | 6,748 |
| Net operating income to assets | 1.2097% | 1,443 |
| Return on assets (ROA) | 1.2097% | 1,500 |
| Pretax return on assets | 1.2476% | 2,111 |
| Return on Equity (ROE) | 12.5157% | 1,231 |
| Retained earnings to average equity (ytd only) | 6.1351% | 1,884 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2992% | 4,726 |
| Assets per employee ($millions) | 3.6505% | 4,541 |
| Cash dividends to net income (ytd only)* | 50.9809% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8235% | 2,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 6,382 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 73.0037% | 2,792 |
| Net loans and leases to deposits | 98.0185% | 1,328 |
| Net loans and leases to core deposits | 116.1473% | 2,606 |
| Total domestic deposits to total assets | 74.4795% | 6,869 |
| Equity capital to assets | 9.6733% | 4,529 |
| Core capital (leverage) ratio | 9.6059% | 3,783 |
| Tier 1 risk-based capital ratio | 11.6226% | 5,313 |
| Total risk-based capital ratio | 12.8769% | 5,248 |
| Memoranda: | ||
| Average total assets | $28,105,750 | 7,609 |
| Average earning assets | $26,903,000 | 7,532 |
| Average equity | $2,716,500 | 7,745 |
| Average total loans | $20,823,750 | 7,210 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0211% | 2,098 |
| Cost of funding earning assets | 2.0773% | 3,381 |
| Net interest margin | 3.9439% | 2,914 |
| Noninterest income to average assets | 0.4038% | 5,252 |
| Noninterest expense to average assets | 3.0065% | 4,062 |
| Loan and lease loss provision to assets | 0.0433% | 6,801 |
| Net operating income to assets | 1.0959% | 1,784 |
| Return on assets (ROA) | 1.0959% | 1,861 |
| Pretax return on assets | 1.1320% | 2,528 |
| Return on Equity (ROE) | 11.3419% | 1,603 |
| Retained earnings to average equity (ytd only) | 4.8501% | 2,592 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8966% | 4,436 |
| Assets per employee ($millions) | 3.4928% | 4,831 |
| Cash dividends to net income (ytd only)* | 57.2368% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8411% | 1,942 |
| Loan loss allowance to noncurrent loans | 130.9764% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 1.0629% | 4,843 |
| Noncurrent loans to loans | 1.4057% | 4,401 |
| Net loans and leases to total assets | 74.2252% | 2,645 |
| Net loans and leases to deposits | 93.4276% | 2,186 |
| Net loans and leases to core deposits | 111.7879% | 3,154 |
| Total domestic deposits to total assets | 79.4467% | 5,674 |
| Equity capital to assets | 9.7631% | 4,269 |
| Core capital (leverage) ratio | 9.7032% | 3,626 |
| Tier 1 risk-based capital ratio | 13.7184% | 3,683 |
| Total risk-based capital ratio | 14.9776% | 3,607 |
| Memoranda: | ||
| Average total assets | $27,739,670 | 7,690 |
| Average earning assets | $26,573,000 | 7,614 |
| Average equity | $2,680,330 | 7,826 |
| Average total loans | $20,526,330 | 7,300 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0071% | 2,334 |
| Cost of funding earning assets | 2.1335% | 3,500 |
| Net interest margin | 3.8736% | 3,170 |
| Noninterest income to average assets | 0.4342% | 4,923 |
| Noninterest expense to average assets | 2.9669% | 3,905 |
| Loan and lease loss provision to assets | 0.0434% | 6,427 |
| Net operating income to assets | 1.0854% | 2,013 |
| Return on assets (ROA) | 1.0854% | 2,143 |
| Pretax return on assets | 1.1289% | 2,876 |
| Return on Equity (ROE) | 11.2931% | 1,887 |
| Retained earnings to average equity (ytd only) | 4.6678% | 3,325 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6783% | 4,242 |
| Assets per employee ($millions) | 3.4485% | 4,948 |
| Cash dividends to net income (ytd only)* | 58.6667% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9028% | 1,616 |
| Loan loss allowance to noncurrent loans | 3,860.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 7,511 |
| Noncurrent loans to loans | 0.0493% | 7,398 |
| Net loans and leases to total assets | 72.1328% | 3,215 |
| Net loans and leases to deposits | 88.0297% | 3,283 |
| Net loans and leases to core deposits | 103.4196% | 4,199 |
| Total domestic deposits to total assets | 81.9414% | 4,574 |
| Equity capital to assets | 9.6709% | 4,424 |
| Core capital (leverage) ratio | 9.7072% | 3,749 |
| Tier 1 risk-based capital ratio | 13.9390% | 3,628 |
| Total risk-based capital ratio | 15.1971% | 3,545 |
| Memoranda: | ||
| Average total assets | $27,638,500 | 7,745 |
| Average earning assets | $26,435,500 | 7,663 |
| Average equity | $2,656,500 | 7,881 |
| Average total loans | $20,225,000 | 7,350 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7639% | 1,805 |
| Cost of funding earning assets | 2.6574% | 3,382 |
| Net interest margin | 4.1065% | 2,679 |
| Noninterest income to average assets | 0.4255% | 5,256 |
| Noninterest expense to average assets | 2.7938% | 4,847 |
| Loan and lease loss provision to assets | 0.0444% | 6,861 |
| Net operating income to assets | 1.4617% | 1,101 |
| Return on assets (ROA) | 1.4617% | 1,060 |
| Pretax return on assets | 1.4987% | 1,691 |
| Return on Equity (ROE) | 15.3972% | 865 |
| Retained earnings to average equity (ytd only) | 6.9385% | 1,173 |
| Net charge-offs to loans | -0.0104% | 7,857 |
| Credit loss provision to net charge-offs | -600.0000% | 7,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4198% | 5,472 |
| Assets per employee ($millions) | 3.4611% | 4,775 |
| Cash dividends to net income (ytd only)* | 54.9367% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8994% | 1,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 71.4399% | 3,697 |
| Net loans and leases to deposits | 88.9754% | 3,643 |
| Net loans and leases to core deposits | 104.9279% | 4,307 |
| Total domestic deposits to total assets | 80.2918% | 4,914 |
| Equity capital to assets | 9.5525% | 4,609 |
| Core capital (leverage) ratio | 9.5035% | 4,013 |
| Tier 1 risk-based capital ratio | 13.6498% | 3,726 |
| Total risk-based capital ratio | 14.8600% | 3,658 |
| Memoranda: | ||
| Average total assets | $27,024,200 | 7,763 |
| Average earning assets | $25,739,400 | 7,704 |
| Average equity | $2,565,400 | 7,959 |
| Average total loans | $19,252,000 | 7,382 |